It means that the holder presents the bill to the bank for payment, and the holder's bank will exchange it to the issuing bank after receiving it, and the issuing bank will make payment after verifying that the bill is correct. Bank acceptance bill is a deferred payment bill issued by the bank on behalf of the payer, and the bank has the obligation to pay at sight when it expires; The longest term of a bill is six months, and it can be endorsed and transferred within the term of the bill.