3. Postal giro: An account holder may make deposits, withdrawals and remittances, designate payments, transfer funds, and apply for giro checks, as well as receive payments from others.

• 三划拨储金：指存款人得以其帐户办理存款、提款、汇款、拨款、转帐及申请领用划拨支票，并得接受他人存款之储金。