Second, you can go to the business outlets for on-site consultation.
Third, you can inquire through mobile banking. Take China Merchants Bank as an example. The query method is as follows:
1. When China Merchants Bank's mobile phone is turned on, find mine and click Enter.
2. After entering, find the item "Bank Inquiry" and click Enter.
3. After entering the bank for inquiry, enter the bank card number to be inquired.
4. After inquiry, you can see the bank name of the bank card.
An account bank refers to a business outlet that handles account opening procedures. Refers to the bank that opens a bank account. That is, the first time you apply for a passbook or bank card and issue it to your bank, the passbook will be registered, usually referring to a branch.
An enterprise can only have one basic account in a bank, but it can have multiple general accounts in different banks. Basic account can withdraw cash and handle transfer and remittance. Ordinary accounts can only handle transfer or remittance settlement business, and cannot withdraw cash.
Renminbi basic deposit account
This account can handle cash receipt and payment and daily transfer settlement. According to the regulations on account management of the People's Bank of China, a unit can only choose one bank to apply for opening a basic deposit account.
To open RMB basic deposit account, you must submit one of the following documents to the bank:
The business license of enterprise legal person or the original of the business license issued by the administrative department for industry and commerce and passed the annual inspection;
Approval from the central or local organization establishment committee, personnel and civil affairs departments;
A certificate issued by the competent authority that the subsidiary agrees to open an account;
The "Account Opening Permit" and "Account Opening Certificate" of the financial department of the Armed Police Corps or above;
The approval of the competent department of the resident office for the establishment of a permanent office in the field.
In addition, if it is an enterprise legal person, it must also submit the enterprise code certificate issued by the State Bureau of Technical Supervision.
RMB general deposit account
This account can handle transfer settlement and cash deposit, but it cannot handle cash withdrawal and salary payment. The company can open the account in a bank outside basic deposit account;
Or although it is a non-independent accounting unit, it needs to handle the settlement business separately because it is not in the same place as the competent unit, and can apply for opening this account with the consent of the competent unit.
The information required to open a RMB general deposit account is the same as that of basic deposit account.
Basic account can withdraw cash, but general accounts can't, so there is no difference in other functions.
In international trade, if payment is made by letter of credit, the bank usually refers to the bank where the buyer deposits and applies to the beneficiary to open a letter of credit. This bank is this bank.