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According to the unified regulation of PBC, the following businesses must be handled at banks through the personal settlement account:
-Accepting inward fund transfer from any other person or unit （such as agency salary payment account, accepting remittance from any other person or unit）;
-Money transfer from any other account under its own name （including its own current saving account and settlement account）;
-Outward account transfer and remittance （money transfer to any other person or unit）;
-Credit card consumption （consumption and online shopping through Peony Money Link Card or "Elite Club" account card）;
-Payment of charges （for telephone fee and mobile phone fee）;
-Investment （T-bond, funds, insurance and securities purchase）;
-Loan （the granting and repayment of various loans including housing loan, auto loan and unsecured loan）;
-Handling credit card or personal check. 按人民银行统一规定，您在银行办理如下业务时须通过结算账户办理： －接受他人或单位的资金转入（如代发工资账户、接收他人或单位的汇款） －给本人名下的其他账户转帐汇款（包括本人的活期储蓄账户和结算账户） －对外转账/汇款（给他人或单位转账汇款） －刷卡/消费（通过牡丹灵通卡/理财金账户卡刷卡消费或网上购物）
－缴费（缴纳电话费、手机费等） －投资（购买国债、基金、保险，证券投资等） －贷款（住房贷款、汽车贷款、信用贷款等多种贷款的发放和偿还） －办理信用卡、个人支票 | 
