Mean while in BECS system, BSB and account numbers, are used when transferring funds via the Direct Entry System. In APCS payment system, BSB and account numbers, are used to identify the account to be debited and are printed on the cheque. For international inward money transfer, a SWIFT code must be used together with a BSB Number and Account Number. A financial institution may also use one centralised BSB for all accounts. Many smaller financial institutions are now identified by the first three digits of the BSB with the "state" field being part of the "bank" identifier. While banks generally still follow the state branch structure, building societies and credit unions often do not.
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