direct deposit: 比如你的工资从公司直接过去，不经过你自己的手。

billpayment: 用online bill payment 网页设置bill pay， 不是用check card. 所以purchase就更加不算了。

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A giro, also called a direct deposit, is a banking term for a method of payment. It is almost the opposite of a cheque. A cheque is given to the payee who deposits it in his or her bank, whereas a giro is given by the payer to his or her bank, which transfers funds into the payee's bank, directly into their account. Giro is often used by post offices as well.

The difference is one of 'push' versus 'pull'. That is, a cheque is a 'pull'-initiated transaction: the presentation of the cheque by the payee causes the payee's bank to seek the funds from the payer's bank, who then takes the funds from the payer's account if the funds exist. If they do not exist, then the cheque "bounces" (is returned to the payee with a message of insufficient funds). By contrast, a giro is a 'push'-initiated transaction: the payer directs his or her bank to take existing funds from his or her account and transfer them to the payee's bank, where the payee can then draw the funds out. As a result, a giro cannot "bounce", because the bank will only process the order if the payer has sufficient funds to cover the payment. However, this also means that the payer receives no benefit of "float".

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Electronic bill payment is a feature of online banking, similar in its effect to a giro, allowing a depositor to send money from his demand account to a creditor or vendor such as a public utility or a department store to be credited against a specific account. The payment is optimally executed electronically in real time, though some financial institutions or payment services will wait until the next business day to send out the payment. The bank can usually also generate and mail a paper cheque to a creditor who is not set up to receive electronic payments.

Most large banks also offer various convenience features with their electronic bill payment systems, such as the ability to schedule payments in advance to be made on a specified date, the ability to manage payments from any computer with a web browser, and various options for searching one's recent payment history: when did I last pay Company X? To whom did I make my most recent payment? In many cases one can also integrate the electronic payment data with accounting or personal finance software.

[此贴子已经被作者于2007-2-16 22:34:33编辑过]

mm问这两个东东是为拿开户的bonus吗

如果是的话paypal给自己赚钱也算dd的