Overview of ATM functions:
1. Withdrawal: up to 20,000 yuan per day per bank card, with a maximum of 5000 yuan.
2. Deposit: The number of deposits per day is unlimited, but the maximum number of sheets for one deposit is 100. The deposit machine only accepts banknotes with a denomination of 100 yuan, and it can recognize the new version of the RMB, and when depositing, different denomination and versions of RMB can be mixed.
3. Transfer: Realize card-to-card transfer between bank cards.
4. Balance inquiry: display the current balance of the card.
5. Change Password: The password changed here is the withdrawal password.
Some banks' ATMs allow interbank transfers. There is no limit to the amount of money that can be transferred from one's own account. The regulations for local bank transfers and interbank transfers stipulate that the maximum cumulative amount of money that can be transferred on the same day is set at 50,000 yuan, but for transactions exceeding 5,000 yuan, it is necessary to sign an agreement on large-value transfers at the counter with one's ID card and card. Most of the banks ATM interbank transfer charges, slightly lower than the counter transfer, but higher than the Internet banking, mobile banking transfer charges.
: The role of bank cards are:
1, consumption. Cardholders can make purchases or pay for labor at special merchants according to the scope of use and methods of use stipulated by the card-issuing bank, usually by presenting the card and entering the reserved PIN, or by presenting an identity document, instead of paying in cash.
2. Deposit and withdrawal, exchange. Cardholders can use their bank cards for deposits, withdrawals (including off-site and inter-bank withdrawals) and remittances.
3. Overdraft. Credit card holders can also apply for a certain amount of credit overdraft.
4. Unit card use. No cash can be deposited or withdrawn from the unit card, and all funds in the unit card are transferred and deposited from the basic account. The unit card can handle the settlement of commodity transactions and labor supply payments, but not overdraft
Debit cards are divided into transfer card, special card, stored value card according to different functions. The transfer card has the function of transferring money, depositing and withdrawing cash and spending money. Specialized cards are debit cards that are used in specific areas and for specific purposes (other than department stores, restaurants and entertainment) and have the functions of transferring and depositing cash. Stored-value cards are prepaid wallet-type debit cards in which the bank transfers funds to the card for storage at the request of the cardholder and debits the funds directly from the card during transactions.
Credit cards are further categorized into credit cards and quasi-credit cards. A credit card is a credit card in which the issuing bank grants the cardholder a certain credit limit within which the cardholder can make purchases and repayments later. A quasi-credit card is a credit card in which the cardholder first deposits a certain amount of reserve according to the bank's requirements, and when the reserve is insufficient for payment, the cardholder can overdraw within the credit limit stipulated by the card-issuing bank.