Any form of doing business involves cash flow.Individual entrepreneurs with a small amount of work in the early stages of business development can make payments for goods and services in the form of cash.But sooner or later there comes a time when you need to open a checking account.This does not mean that you should immediately run to the bank and apply.First, you must determine the general procedure of opening, maintaining and closing the account.Then you need to analyze the conditions of different banks and choose the best option.
Why do you need a current account Savings Bank
In terms of legislation, the decision to open an account takes an entrepreneur yourself.If the scheme of cash payments is not contrary to the laws of the Russian Federation, the SP and the company may not even apply to the bank on this issue.Another thing is that without a full functioning company checking account is impossible.For example, if a company enters into a contract for a total amount of 100 000 rubles, then such payment must be conducted through the bank.This amount of statistics is the lower limit value of the contracts LLC.In addition, taxes and other obligatory payments are paid exclusively by bank transfer.It turns out that the settlement account of the organization is a must.
collects data
Account settlement - is the account, which is made with a credit institution in the name of the client for storage of cash and non-cash settlements.
After a positive decision of a bank account should be familiar with the basic nuances of the procedure, namely:
- What documents are needed to open an account;
- possible causes of failure;
- the nuances of the relationship between the bank and the client;
- account closure procedure;
- deadline for providing data to regulatory authorities to open or close the account.
Step One
Opening a bank account takes place on the basis of certain documents.While each bank's own characteristics, a common list for the legal entity as follows:
- the certificate of registration;
- certificate of registration in a single register;
- copies of the charter;
- a document confirming the authority of persons who have access to the account (minutes of the meeting of founders on appointment to the post of director, the order on the appointment of the chief accountant, and so on);
- cards with samples of signatures of persons having access to the account;seal impressions;
- certificate of acceptance of the company registration in the tax, pension funds, extra-budgetary funds;
- a certificate of registration in the statistics;
- license for financial activities.
application form for opening and service contract provides the customer accounts employee of the bank.The Bank may request additional documents: a client profile;addition to the agreement on the accounts of contractors and so on.
accounts of legal entities - non-residents
Before import all the documents you need to register at the Embassy of the Russian Federation of a foreign state.In addition, all provided documents must be attached notarized translation into Russian (text, stamps, seals, Apostilles, etc.).The main list of the documents is the same.
documents: a current account individual entrepreneurs
- certificate of state registration;
- certificate of registration in a single register, a certificate of assignment of Enterprise, OKATO, NACE are available upon request of the bank;
- an extract from the Unified State Register SP;
- cards with samples of signatures of persons having access to the account;stamp (if any);
- a statement (in the form of the bank);
- service contract (in the form of the bank);
- passport;
- an agreement on the implementation of activity to receive payments of individuals.
decrypts account number
Notarized copies of constituent documents of the bank provides employees with authentication and account opening.Current account Savings Bank is composed of 20 digits.The first five define the main activity and form of ownership of the client:
- 40701 - non-financial institutions;
- 40702 - non-commercial organizations;
- 40703 - non-profit organizations;
- 40802 - individuals - SP;
- 40807 - non-residents - legal entities;
- 40818 - ruble accounts of non-residents;
- 40819 - currency accounts of non-residents;
- 40821 - individuals - non-residents.
next three digits identify the account currency:
- 810 - rubles;
- 840 - dollars;
- 978 - euros.
following 11 digits denote the number of units, the serial number of the customer or a contract.
Refusal to open an account
Bank may refuse to open an account if:
- there is a decision on the suspension of the tax service previously opened accounts;
- SP or his representative is not present in person during the procedure of opening an account;
- the customer has provided the documents with untrue data;
- the client has not provided all the documents;
- there is evidence of customer involvement in terrorist activities.
In case of refusal to open an account bank employee returns to the client application with a note of the refusal and stating the reason or send a corresponding letter.The application and all documents returned to the client's representative for a receipt.
Features service accounts
SP SP Current account can be opened in any bank of Russia.But the question is that in some institutions to maintain high rates of such accounts.Banks often share maintenance fees of limited liability companies and individual entrepreneurs to pay in the past only two hundred rubles a month, provided that the number of transactions on the account was not more than twenty pieces per month.If the transaction did not exist, the Commission will not be charged.As individual entrepreneurs often work remotely, the availability of free Internet banking to quickly check the balance of payments and will send a large advantage when choosing a bank for servicing.
Before signing the contract must pay attention to the cost of the following services:
- opening, closing, account management;
- connection and Internet banking services;
- the transfer fee on the account of this and other banks.
Features a withdrawal SP
If the procedure for opening the company and with respect to the same IP, then the removal of the wage an individual entrepreneur may have questions.All funds in the current account owned by the entrepreneur.By law, all proceeds of the Russian Federation SP, which were obtained as a result of entrepreneurial activity, entrepreneur disposes of its own.In theory, deposit and withdraw funds for personal use from the account at any time.In practice, account for business is better not to use third-party applications.
But if the account is current - account for this transaction from the business, then the question arises, how to remove the earnings SP.The best option - to transfer the funds from the settlement on the current account of an individual.In comments to the payment in such cases it is necessary to specify "Transfer of own funds, not subject to VAT."
Managers Ltd. by law have no right to dispose of the funds to the account of the legal person for personal purposes.
Termination of service
Closing of the current account - the termination of the contract of bank services.By law the contract may be terminated:
- by agreement of the parties;
- unilaterally;
- a court decision;
- for other reasons provided for in the legislation.
unilaterally on the initiative of the bank may be closed by the settlement.This means that the contract may be terminated by the court due to the absence of operations for 365 days.In the absence of transactions in the account for two years, the bank can refuse service and cancel the contract within two months from the date of notification to the client.
also unilaterally at the initiative of the client can be closed by the settlement.This means that the client may at any time apply for a discontinuance of service.Availability of unpaid documents does not constitute grounds for refusal to close the account.
The court account maintenance can be stopped in such cases:
1. If there is no money in the account is terminated the contract.The new bill the client can open only after the lifting of the tax authority.
2. If you have money in the account two possibilities:
- the contract is not terminated and the account is not closed until the lifting of the suspension of service;
- the contract is terminated, the account can not be closed until the lifting of the suspension of service.
Special cases
Termination of service takes place on the day the bank received a written statement from the client, if the application specifies a later date.If, at this point on account of the funds available, the remainder shall be issued to the customer from the cash register or transferred to a bank account specified by the client within seven calendar days.In the absence of details for the transfer or assigns the client funds may be stored in a special off-balance account before the expiry of the limitation period.After that, they will be written off in the income of the bank.Any cash and settlement documents, the bank received after the close of the contract, returned to the sender with a note.If the option to send money and documents to the receiver client does not, for example, the bank closed, they (the money and documents) are stored in the legal department of the bank.All documents are subject to the customer inventory.
