Must vs. Have To

'Have to' expresses everyday responsibilities at work, or for family and friends. 'Must' is only used for strong personal obligations.

Example 'Have to' for Responsibilities:

You have to count the cash at the end of day before you begin your audit of receipts.

You have to give a down payment.

Example 'Must' for Strong Obligations:

I must pay off my bank loan soon.

Each employee must know the customer's requirements to open a new account.