What is the difference between schedule and non schedule bank?

What is the difference between schedule and non schedule bank?
Schedule banks are those which are included in the Second Schedule of Banking Regulation act 1965; others are non schedule banks. To be included in the Second Schedule, a bank (a) must have paid up capital and reserves of not less than Rs. 5 lakhs (b) it must also satisfy the RBI that its affairs are not conducted in a manner detrimental to the interests of its depositors. Schedule banks are required to maintain a certain amount of reserves with the RBI; they in return, enjoy the facility of financial accomodation and remittance facilities at concessional rates from RBI.The difference between schedule and non schedule is immaterial as the number of non schedule bank is almost nil.