Over-the-counter trading of Guangfa Bank account has been suspended due to abnormal risks. What do you mean?

If you receive a short message, it will remind you that your bank account has been suspended from OTC trading due to abnormal risks. You don't have to guess what happened. Please take your bank card and ID card to the bank counter at once. Show me the reminder information and the bank teller will handle it for you.

If you don't handle it, the card can't be consumed. It will be very inconvenient.

Learn about bank account changes in one minute. What bank accounts are there?

bank deposit

Bank account is the general name of deposit account, loan account and current account opened by customers in the bank. In China, according to regulations, all state organs, organizations, military units, schools, enterprises and institutions must open accounts in banks. According to different purposes, bank accounts can be divided into basic account, special accounts and auxiliary accounts. In the accounting institutions of bank accounting, in order to ensure the truthfulness, completeness and correctness of account books, subsidiary ledger and general ledger are classified records and reflections on the sources and use of funds caused by banking business and financial activities. [ 1]

Chinese name

bank deposit

Foreign name

bank deposit

Demand deposit time deposit

A bank account is a financial account between a financial institution and a bank customer, also known as an account (Hongkong and Macau) or an account (Taiwan Province and Chinese mainland). Bank accounts can be divided into deposit accounts, credit card accounts or other types of accounts provided by financial institutions. Financial institutions notify customers of transactions in their bank accounts at specific times through bank statements. The account balance at a specific time is the customer's position in a financial institution.

American type

In the United States, different banks or financial institutions will provide users with a variety of account types with complex names to choose from when opening accounts, but generally speaking, they will be divided into the following three categories and five sub-categories: checking accounts, savings accounts and deposit accounts. Among them, checking accounts include basic deposit account and interest-bearing accounts, while ordinary deposit accounts include money market deposit accounts and certificates of deposit (commonly referred to as CDs). [2]

cheque account

Checking account. Individuals in China seldom use checks, but more enterprises use checks in business transactions. If you sign a check and someone else receives your check and cashes it at the bank, the money will be paid from your checking account. The check you signed is a cash check.

In America, the popularity of checking accounts is much higher. With the popularity of plastic cards (plastic cards, generally referring to debit cards and credit cards in the form of plastic cards), they are gradually replaced by credit cards and debit card payments, and in recent years, they have been divided into market share by emerging mobile payments. In the non-cash payment of daily life in the United States, checks have become less and less used.

Basic checking account

Basic Checking Account, also known as "no frills" account, can provide the simplest but most core personal payment service by saving a small amount of money (such as $250) to avoid the account management fee. Note that what is said here is "payment service", that is, the bank provides cash instead of paying you interest! Individual banks will also limit the number of checks they can write each month, and if they exceed it, they will charge extra fees.

Interest-bearing checking account

An interest-bearing checking account corresponds to a "no frills" account. You need to have a large balance of each account in the bank (for example, more than $65,438+00,000) to avoid paying the account management fee, and the money in the checking account can earn low interest. In addition, it also provides more personal financial services, such as free access to cashier's checks and drafts, and free transfer from savings account overdraft protection.

"demand" deposit

Savings account. If compared with domestic account, savings account is more like a current account when opening an account in a domestic bank, but there are some differences, so the current account here is quoted.

The similarity between the two is that the money in the account can be withdrawn with the deposit, and at the same time, it can earn a certain interest; They are different because savings accounts can only make a limited number of free withdrawals a month (the number of withdrawals varies from bank to bank, ranging from 3/6). Yes, the money is yours, but if you take too much, you will have to charge a service fee, which is stipulated!

Similar to Basie's checking account, a small amount of money (such as $300) can be deposited in a savings account, which can exempt the account management fee and the deposit interest is slightly higher than that of an interest-bearing checking account. Free cash withdrawal and transfer can be made three times a month, and the transaction fee for cash withdrawal/transfer will be charged if the number exceeds the specified number.

"Regular" savings

A savings account. Some people may get dizzy when they see this. What's the difference between saving and not saving? Well, I can only say that savings and deposits are different. If an inaccurate description must be given, savings are savings, and banks usually use the money to lend. Deposits are also savings, but the money obtained by banks is usually used for investment.

Money market account

Similarly, money market deposit accounts (MMDAS) can be classified as common domestic wealth management products sold by banks.

Similar to the minimum subscription amount of RMB 50,000 for domestic wealth management products, MMDAs needs to maintain a certain account balance (such as $2,500) to avoid account management fees. The bank will invest the money in your account in short-term commercial bonds, national debt or CDs (these investments are called money market investments, and you know the origin of the name), and get higher interest rate returns than savings accounts. More flexible than domestic wealth management products, it can only be redeemed on a fixed date, and it can open a limited number of checks or a limited number of withdrawals/transfers per month (for example, check+withdrawal+transfer does not exceed 6 times).