Is the enterprise settlement card equal to the personal savings card?

Enterprise settlement card is not equal to personal savings card, and there is still a difference between the two.

The differences between them are as follows:

1. Functionally, the enterprise settlement card not only has basic functions such as cash deposit and withdrawal, transfer and remittance, consumption, but also has powerful payment and settlement functions such as automatic deduction, package payment, batch transfer, associated contract signing and transaction fund custody. Personal savings card mainly provides personal financial services such as transfer, consumption, cash deposit and withdrawal, payment, collection and payment.

2. Object-oriented: The enterprise settlement card is suitable for customers and logistics enterprises with large fund settlement and frequent transactions, as well as individual industrial and commercial customers. Personal savings card is suitable for ordinary customers.

3. Charge: Corporate settlement card transfer is free, and bank transfer and inter-bank transfer are free. Annual fee 20 yuan. A settlement agreement needs to be signed. Personal savings card bank and inter-bank transfer charge a certain fee, and the annual fee is 10 yuan.

Extended data:

Enterprise settlement card is also called company settlement card. It is a bank card issued by a bank for corporate customers. As can be seen from the definition of enterprise settlement card, its main function is similar to that of personal bank card, and it can be used to inquire account status, transfer and remit money, cash deposit and withdrawal, consumption and so on.

Channel function

(1) counter

Card opening, deposit and withdrawal (no need to fill in the form), information maintenance and other functions.

(2) Electronic channels

1.ATM /CRS: deposit and withdrawal, transfer, balance inquiry and password modification.

2. Self-service terminal: cash withdrawal reservation, POS card payment reservation, transfer, line inquiry, authentication record inquiry, card details inquiry, account details inquiry, password modification and electronic certificate application.

3.POS: Pay by credit card.

4. Corporate online banking: cash withdrawal reservation, check, card transaction details inquiry, credit line inquiry and authentication application record inquiry.

5. Bank-enterprise platform: cash withdrawal reservation, check, card transaction details inquiry, credit line inquiry, authentication application record inquiry and intra-bank transfer.

6. Telephone banking: withdrawal reservation and line inquiry.

7. SMS: cash withdrawal appointment, POS card payment appointment and appointment information review.

Product characteristics

(1) Wide channels. It can be used at the counter of Agricultural Bank, ATM /CRS, self-service terminal, POS, SMS, telephone banking, enterprise online banking and bank-enterprise communication platform.

(2) Convenient service. It is easy to carry, the counter is free of filling in forms, the electronic channel is simple to operate, and it supports 7×24 hours service.

(3) transaction security. Chip media, multiple quota controls and multiple authentication methods make the transaction more secure.

Suitable group: corporate customers. Customers who regularly deposit and withdraw money at the counter, customers who need to deposit and withdraw money during non-business hours or customers who need to pay in chain stores can open RMB unit settlement accounts and apply for unit settlement cards in institutions under our jurisdiction.

References:

Baidu encyclopedia-company settlement card