Online banking is a self-help channel provided by banks to enterprises. If there are many daily transfers and remittances, you can also consider opening online banking for enterprises to avoid the distress of queuing in the bank.
After the opening of corporate online banking, general banks have U shields for document preparation and verification, and individual banks also have U shields from competent authorities. When transferring money and remitting money, you must use the U shield of the certificate-making organ to prepare the certificate, and then use the U shield of the rechecking organ to recheck it, so that the money can be transferred out. You can manage two U shields separately to avoid losses.
When online banking is opened in U Shield, the electronic certificate issued by the bank can only be transferred on the computer with the certificate and the password of U Shield. Therefore, online banking is relatively safe.
The charges of each bank are different. For example, CCB charges for e-banking services 1.200 yuan/year. Some banks charge monthly fees, but the overall fees are similar.
Extended data:
Measures for the administration of RMB bank settlement accounts
Article 12
A general deposit account is a bank settlement account opened by depositors in banking institutions outside basic deposit account for loans or other settlement needs. General deposit account can't withdraw cash, so the company has a basic account besides general deposit account.
Article 18 General account of the company
When applying for opening a general deposit account, a depositor shall issue to the bank an account opening certificate stipulated by basic deposit account, an account opening registration certificate in basic deposit account and the following documents:
(1) When depositors need to borrow money from banks, they shall issue loan contracts.
(2) Relevant certificates issued by depositors for other settlement needs.
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