# Other Product Features

The **Virtual Account Service (VAS)** integrates with BCB’s core banking platform and introduces new product features.

## Interest

- **No debit or credit interest** is applied to Sub Accounts, Parent Accounts, or Settlement Accounts.
- This ensures the service is strictly used for **fund segregation and flow management**, not as an interest-bearing product.


## Credit Limits

- **Parent Accounts** and **Settlement Accounts**: Credit limits may be configured, subject to BCB approval.
- **Sub Accounts**: No credit limit is available — balances must remain non-negative.


## Fees and Charges

- Configurable at either the **Parent Account** level or **Sub Account** level.
- Fee categories may include:
  - Maintenance fees
  - Statement fees
  - Transaction fees


## Overdraft

- **Parent Accounts** and **Settlement Accounts**: Overdrafts may be permitted under BCB’s credit policies.
- **Sub Accounts**: Overdrafts are not permitted — balances must remain ≥ 0.


## Statements

- Statements are available for all account types: **Sub Accounts, Parent Accounts, and Settlement Accounts**.
- Supported formats:
  - **Hard copy** (paper)
  - **Soft copy** (digital)
- Statements may be generated at the **individual account level**, or aggregated at the Parent/Settlement level depending on reporting needs.
- Data aligns with the existing core banking setup, ensuring consistency across all customer channels.