Despite the regular experience of visits to banks and other commercial organizations working with citizens, the Russian man in the street sometimes does not see the difference between the concepts of “banking day” and “working day”. What are these periods?
What is a banking day?
Under banking day it is customary to understand the period within which financial institutions carry out payment transactions with the participation of specialists. As a rule, it is between 10 and 16 hours.
Participation of bank employees in payment transactions is the main criterion for determining the banking day. The fact is that with the development of remote service technologies, the introduction of electronic payment interfaces, customers of financial institutions increasingly prefer to carry out transactions on their own. Moreover, such technological solutions, as a rule, operate around the clock. Consequently, the term "banking day" in relation to self-made payments is not always applicable.
But there are some types of financial transactions that, on the one hand, are carried out by the bank's client without contacting cashiers, on the other hand, in fact, require the intervention of the credit institution's specialists at certain stages of the transaction.
For example, using the Bank-Client system, a citizen can generate an order to transfer funds from one bank account to another - at any time of the day. However, in some cases, the "payment" is processed only within the banking day. Therefore, a person often needs to wait a little while his translation order is completed.
What is a working day?
The term " working day" has 2 main interpretations:
- a calendar day that is not a holiday or a day off;
- the time period within which employees must be at work and perform their duties under the employment contract.
Thus, a somewhat tautological, but quite meaningful construction of the form is admissible: "Tomorrow is a working day, I have a long working day", when a person wants to say that tomorrow he, firstly, needs principle to be at work, and secondly, he will be there for a long time.
Comparison
Banking day is a period that is present in one way or another within a working day. An exception may be the scenario when an employee of a credit and financial institution comes to work part-time and works, for example, from 11 to 15 hours. In this case, his working day will be shorter than the banking day, within which he can, if necessary, perform cash transactions.
Thus, the fundamental difference between banking days and working days is that the criterion for determining the first is a specific type of employee's activity. In this case, this is the conduct of cash transactions in the bank. In turn, the remaining working time of an employee of a credit and financial institution will not be relevant to the banking day.
Having determined what is the difference between banking days and working days, we will reflect the criteria we have identified in the table.
Table
| Banking day | Working day |
| What do they have in common? | |
| Banking day, as a rule, is part of the banker's working day, and when working part-time, it can be equal to or longer than him | |
| What's the difference between them? | |
| The term denotes the time period within which the bank carries out cash transactions with the participation of specialists | The term may mean:
|
