正存和倒存有哪些区别?

2025-03-14 23:04:30
推荐回答(1个)
回答1:

支票倒提
1、倒提,具体是指客户在支票出票行(即支票卖出行。客户购买支票时,银行应在支票的右上角加盖银行名称及该客户名称,此处加盖的银行名称即支票出票行名称)办理的转帐支票转款业务,资金流向是从支票出票行到客户在其他银行所开立的存款帐户。

2、这种业务一般适用于单位客户(或者个人结算帐户)。

比如,单位客户甲在北京石景山某银行开立基本帐户(或者一般帐户)购买转帐支票若干。某日甲单位的会计在石景山办业务,忽然接到通知需要马上在海淀区某银行存入款项若干(假设五百万吧)用于货款划拨,这时该会计已经来不及赶到海淀正存支票(一般,大额现金的提取必须提前通知银行;从基本户取现金跑到海淀存不现实),他就可以在石景山银行使用倒存进行资金划转。这样做,与在海淀的银行存现金(或者正存该张转帐支票)是一样的效果。

3、此时,应该在支票正面加盖公司在石景山银行的预留印鉴(一般是财务章和法人章),填写大写日期、收款单位名称(此时是该公司为自己的另一个银行帐户划款,所以收款人应为该公司甲)、用途、金额大小写、密码(适用于工行,如果有的话)等等,背面空白(若在海淀的银行办理与倒存对应的“正存”业务,支票背面应加盖收款人在海淀银行的预留印鉴)。

4、倒存如果不出意外应该十二小时(一个交换场次)到账(正存是二十四小时,远郊是两到三天)

一般来说用“倒存”这个字眼儿的比较普遍,因为在银行内部,倒提有时候还用于该银行内部帐的划转、帐务计提等等。

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