savings book is a document confirming the fact of an agreement between the bank and the customer on the receipt and storage of cash in his account.The issue of such documents has been Sberbank.Passbook can be of two types: bearer and name.
client has the right to select the type of the resulting document.As advocates mandatory details complete information about an individual and the bank (address, name, name of the client), as well as information on any movement of funds from the account, or for him.In the absence of other supporting documents, the basis for the bank accounts are in the record book.In addition, the customer has the right to withdraw any amount in the range of the contribution only in providing passbooks.Otherwise, an employee of the bank can not meet the demand of the depositor.
So let's deal with the main question: why create a savings book for what purpose is it used?Previously, it actively used the company for cashless payment of wages staff.Currently, however, a widespread system of transfers of funds on deposit and credit cards.High benefits passbook if your account to withdraw money illegally.After all, it is in this case is a confirmation of this fact and will become the basis for the recognition of such transactions void.
worth noting that bank savings book to bearer is considered a security.Its peculiarity lies in the possibility of further transmission of the document from one owner to another.Thus, it can be sold without the knowledge of the bank, which does not require formalities.And it is only a confirmation of the passbook is pre-signed agreement between the depositor and the credit institution, so the absence of this document does not prohibit dispose of the funds in the account at its sole discretion.While the book to bearer, in fact, it is the very document that confirms the existence of an agreement.That is why no operation without providing such security can not be achieved.
Another feature of the kinds of passbooks considered recovery procedures in case of loss.Name can easily repair or replace the new owner upon demand.For this purpose it is enough to issue a statement at the office of the bank.But bearer savings book does not provide for its repair or replacement.So, if a document has been lost or damaged, the lender can not help, because there is no reason to confirming the legal ownership of a book.Return rights is possible only with the help of filing a lawsuit in court and resolve the issue of state authorities.
Some banks to save money do not give out books, and limited only by entering into a contract with a client.However, the investor may request this document, unless otherwise provided in the contract.Availability of passbook will be for you an additional guarantee of safety equipment.The Bank has the right to refuse to issue the customer a savings instrument only if the contract parties noted the fact of his absence.Therefore, before signing the agreement the customer must carefully examine it, to warn themselves from problems in the future.
In conclusion, it can be concluded that at present the passbook is no less important than before.Of course, there are new means of settlement and tracking the movement of funds, but in respect of the deposit, it can become a serious helper, so it does not allow a third party to plunder resources and an additional guarantee of the veracity of operations.
