202 1 year banks that do not charge for public accounts

You can go to Shang Hui Bank, Hangzhou Bank, Jiujiang Bank, Minsheng Bank, China Everbright Bank, Shanghai Pudong Development Bank and other local banks for consultation. You can consult online or call the customer service hotlines of various banks.

1. The bank's policy is always changing. Some banks are free in the first year and start charging service fees in the second year. Basically, large joint-stock commercial banks have annual fees, while small commercial banks or new commercial banks may be free.

2. The charging standard of each bank's account opening bank is different. Even if it is the same ICBC or Agricultural Bank, the charging standard of different outlets is also very different. The general account opening fee is 1000- 1500 yuan. In addition to account opening fees, many banks will also charge annual fees (or account management fees), online banking fees, settlement cards, SMS service fees and so on. Generally, the management fees of the four major banks will be more expensive, while the joint-stock banks will be relatively cheaper.

Corporate accounts are non-personal accounts as opposed to private accounts, that is, personal accounts, such as bank accounts of companies and institutions, without cards and passbooks. They withdraw money by cheque and remittance voucher. Company accounts are generally divided into four types:

One is basic account: a company has only one basic account, and basic account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment. Depositors can only withdraw wages, bonuses and other cash through basic account. In this account, the bank can withdraw cash or handle the transfer and settlement business.

The second type is general ledger: an enterprise can handle multiple general ledgers. This account is a bank settlement account opened by the depositor in a bank outside basic account for loan or other settlement needs. For general accounts, banks can only handle transfer business, but not cash settlement business.

The third special fund account is a bank settlement account opened by depositors to manage and use their special funds. The special deposit account is used to handle the receipt and payment of various special funds, and the special deposit account can handle cash settlement business after approval.

The fourth kind of temporary account is a bank settlement account opened by depositors for temporary needs, which is used to handle the receipt and payment of funds generated by temporary institutions and depositors' temporary business activities. Temporary accounts are time-limited and should be used within the prescribed time limit.

The role of opening to Gong Hu:

1. Stay in JD.COM, Tmall, Amazon and other e-commerce platforms;

2. WeChat official account and Alipay enterprise certification;

3. The company needs to sign a tax deduction agreement when issuing invoices;

4. The company signs an agreement and collects money;

5. The company opens social security accounts and provident fund accounts.

6. Apply for general taxpayers and purchase tax control equipment;

7. The company applies for business start-up subsidies;