when will Bank Charge Bearer item be used

Dears,

Could anyone share your knowledge on what is Bank Charge Bearer used for in AR module, navigation is as below.

(R)Receivables

Customers -> Customer  search for Customer_A

Accounts tab, click Detail on account record.

Payment Details tab,

Payment Instruments region -> Bank Account Transfer -> Bank Account Transfer Attributes  -> Bank Charge Bearer

1. When there is a receipt from Customer_A, who will pay for bank charge depends on the setup of "Bank Charge Bearer", is this right?

2. If so, is it same when create receipt from Customer_A by Lock box?

3. If both no on above two points, then when will this item will be used in AR module?