The differences between basic deposit accounts and general deposit accounts are as follows:

1. The bank settlement account that depositors need to open for daily transfer settlement and cash collection and payment is called a basic deposit account.

2. A bank settlement account opened by a depositor at a banking institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs.

3. The depositor function of the settlement account of the unit bank opens a basic deposit account at the bank.

4. The basic deposit account is the main account of the depositor. The depositor's collection and payment of funds for daily business activities and the withdrawal of wages, bonuses and cash should be handled through this account.

5. General deposit accounts are used to handle depositors’ loan transfers, loan repayments, and other settlement fund collections and payments. This account can handle cash deposits, but cannot handle cash withdrawals.

Extended information:

Basic account:

Basic account is mainly a company account used to save, withdraw money and transfer money. Each company can only have A basic account. This account is a normal account used by the company. You can deposit goods and withdraw funds at any time. The method of withdrawing funds must be withdrawn through the company's cash check or transfer check.

The depositors who apply to open a basic deposit account are:

1. Enterprise legal persons;

2. Individual accounting units within the enterprise legal persons;

3. The financial department that manages fiscal budget funds and extra-budgetary funds;

4. Administrative agencies and public institutions that implement fiscal budget management;

5. County level (including ) or above military and armed police units;

6. Foreign institutions in China;

7. Social groups;

8. Canteens, guesthouses, and kindergartens attached to the unit ;

9. Permanent establishments in other places;

10. Private enterprises, self-employed households, contractors and individuals.

General account:

General accounts are mainly used for transfers. A company can open multiple general accounts in each bank. General accounts must be opened under the premise of a basic account. After opening, the general account can be deposited and withdrawn at any time, but the withdrawn funds must be transferred to the company's basic account through the company's transfer check, and then withdrawn through the company's cash check.

Temporary deposit account:

It is an account opened by the depositor due to temporary business activities or temporary institutions in other places. The depositor can handle transfer settlement and cash management through this account. Handle cash receipts and payments.

Special deposit account:

It is an account that the depositor needs to open for specific purposes. Such as capital construction funds, renovation funds, etc.

Baidu Encyclopedia-Basic Deposit Account

Baidu Encyclopedia-General Deposit Account