Today, few people imagine his life without plastic cards and deposits.All financial transactions pass through the banking organization for the convenience and quality of life.The main thing - skillfully use the account, and then the plastic card will be a powerful tool in your hands.They there are many varieties of each of them, in fact, will be discussed in this article.
tool of modern man
First we need to understand what the meaning is embedded in the phrase bank account.First of all, a system that accumulates non-cash funds of enterprises and individuals, as well as in the finance business.In order to carry out financial transactions, usually clients open different types of bank accounts, which have legal status.They are a source of financing and a variety of activities each client.Unfold depending on the purpose of the citizen.
Classification
The following types of bank accounts:
1. Current accounts - are necessary for doing business.With them come crediting funds settlement with contractors and suppliers, listing various operations with credit funds, as well as fees and salaries to workers.Opening a bank account can make as a company and an individual person to perform monetary transactions, which are directly related to their economic activity.
2. Transit.Generally used for the calculation of export earnings, which can sell in the event that the contract conditions are met.This account can be called temporary.It opened as a supplement to the currency.
3. Current.Requires ordinary citizens or commercial organizations.As a rule, it receives the money that can be removed by using an ATM or bank cashier.
4. Deposit.It is under contract and is intended for storing tools.
5. Loan - used for loans to customers, taking into account return.
6. Foreign currency account in the bank.It is necessary for financial transactions when working with tools, presented in a foreign currency.Since it is easy to pay for goods and transfer of funds for specific services.
7. Card.Used to transfer funds using a credit card.
Types of accounts opened in the bank, can be registered and numbered.It is also necessary to take into account.The first opened, as a rule, the standard package.Working with them is impossible without presenting identity documents.Numbered also serve to maximize the protection of documents and funds of each client.To open such an account, you must use a specific cipher, a digital code that hides all the information of the applicant.This code is known only favorites bank workers and the client of the bank.Driving registered and numbered accounts is widespread in the Swiss banks and is the most reliable.
a special bank account for a short period
If you need to open an account for an indefinite period, use the term deposit.As a rule, it opens a period of one month to two years.It can be even longer.You can always demand payment, but risk losing the accumulated profit.Also operates a bank account on demand, where you can any day to put a certain amount of money and withdraw it whenever you need.Opening it, you should know that the most minimal interest is charged.Today, you can open accounts in US dollars, euros and Russian rubles.With multi-currency deposits can be converted into each other.It is very convenient for those who travel frequently or leave for trips abroad.
Foreign currency
Under the wording of foreign currency banknotes to be understood that recognized legal tender, the relevant foreign state.If the banknotes were withdrawn from circulation or limited in circulation - they can not be called a foreign currency.For the purpose of the transfer and settlement of cash foreign currency account was created.Apart from him, there is a deposit, or a deposit for storing available finance.Deposits make out the bank customer on the basis of a formal agreement.It states that the party, which took a sum of money received from the depositor or investor, is obliged to carry out a refund with interest payable at the rate specified in the contract.
Interest Accrual
addition, distinguish more bank accounts for the interest.There are several kinds.First - monthly.Profit is added on to the basic monthly contributions.In the second case, interest is charged to the depositor at the end of the term by adding to the total amount of the deposit.The third option, which you can choose, processing deposit - quarterly.You will receive interest on the deposit every week, three months or even six months.This is depends on your bank or specific contributions.We must always remember that the opening of any bank account, you are required to pay a minimal fee.Each financial institution it is different and varies from one hundred rubles to several hundred thousand.But in most cases the amount is less than 10 thousand Russian rubles.
Why do we need a current account?
Under current law, the opening of a bank account is not necessary, however, provides an excellent opportunity to carry out non-cash payments to some PIs.In other words, any financial transactions occurring in this way are entitled to establish their own businesses, with nowhere obliging clients.If you have your own account, you can fully engage in business activities.It can be opened in any banking institution, regardless of the place of residence, registration or territory where the enterprise is located.If the SP closes or opens a bank account, it is required to notify the tax office, and within ten days, not later.Thus, the entrepreneur must be on a special form to make a written statement, which is sent to the tax office.If you are already a client of a financial institution, it is also necessary to prevent the tax, indicating which bank the current account has been opened to the registration as a SP.
At the conclusion of the agreement (at the time of the creation of a / c) you need to know that the establishment of the bank is obliged to accept and credit the purse money at your disposal.At the same time financial institutions have the right to dispose of money, who are on your account.We'll talk about this in more detail.
Regulatory Framework, or What you should pay special attention to
First, consider the liabilities of the bank at the conclusion of the contract:
- Uninterrupted cash payment within a clearly defined timeframe.
- pay interest for that financial institution uses cash customer.Compliance with the terms stipulated by the contract, and payment at the end of each quarter;
- Transactions from customer's account provided by the legislation.
If you plan to open a bank account (IP), note that the financial institutions do not have the right to disclose transactions carried out on it.They are responsible for the confidentiality of each client.Information concerning any monetary transactions can receive only the owner or his representative.If you have opened a bank account for the company, the bank may provide employees with the state law enforcement or other officials the information they need.But!Only in those cases provided by the current legislation.
Thus, opening a current account in a financial institution, you must adhere to the legal framework, to gather all the necessary documentation, to register with the tax.If you are planning to open their own bank account for the SP, this attempt is unlikely to succeed.As a result, the bank has the right to suspend access to the electronic wallet of the legal or natural person.It is best to turn to professionals who know their business.They will provide you with suitable financial institutions and prepare all necessary documents.
Special and universal bank accounts
Please be aware that due to the universal accounts you can make absolutely any transactions with their cash.However, there are certain restrictions imposed by regulations and directly by the Bank.Current Account, which we have already mentioned, refers to the universal.It is basic and provides for compliance with certain regulatory requirements.To open it, the customer must provide the following documents: certificate of registration in the tax, on the state registration of the legal entity or for the registration of a person as an individual entrepreneur.
is necessary to take into account the fact that the number of current accounts, which has the right to open the client is not limited to the current legislation.Organizations and agencies that have separate offices, shops and warehouses, can open a sub-account for making transfers and admission revenue at the place of their units.This is an important factor to be taken into account.By the accounts of settlement are to perform work on production sharing.They are used for the operation of crediting of funds, as well as the costs associated with a tax payment, a private agreement and so on.
Unlike universal, special accounts provide targeted use of existing funds.In addition, it should be a subject that will monitor.
accounts of legal entities in the bank
to create a / c in a bank to a legal entity must submit the following papers:
- founding documents;St.
- of of state registration;
- card;
- license (special permit), which is usually issued to a legal entity in accordance with the law;
- documents that can confirm the authority of the executive body;
- official documents confirming the powers of the persons mentioned in the card.They are allowed to dispose of the funds, which are on the account of a legal entity.
should be noted that the bank account types that allow you to perform many operations have multiple modes.The first is legal and is partly determined by the legislation.The second - a special.As a general rule, it sets a formal agreement or by law.
special legal regime is established for the budget, currency, ruble (in Russian Federation), deposit and card accounts.It deals exclusively with the involvement of bank funds to purses not to store them.The main objective is to use finances as resources for lending.When a bank makes a deal, he does not take responsibility for the commission of any specific transactions, the relevant constitutional commissions or commissions.The Bank assumes the obligation to commit settlement of transactions in the future, if they would be some need.It should also be said that the bank has no legal right to refuse a client in custody settlement transactions if they fully comply with the law and cover all cash costs.
In order to open a bank account for a company, you need to fill a lot of papers, notarized copies of constituent documents.There are also companies that offer their services to save you time.Experienced legal counsel will bring you up to speed, to recommend a good branch and give to your data.Even turning to a professional, you should pay attention to the following types of bank accounts and agreements:
- Framework Agreement - Consideration of settlement operations to be performed by you in the future;
- services prescribed in the contract - the account balance, which will constantly change on your electronic purse;
- independent species - the remainder.
Highlights
Bank is obliged to carry out all transactions calculated according to the official contract.The key element defines the legal purpose of bank accounts and non-cash payments.
operations may be conducted either side of the agreement - a credit institution, as well as directly to the client.The bank is required to have a license.Physical, government, legal (both Russian and foreign person) using the services, can make payment transactions.Personal account at the bank is made by means of the contract, which is a single document.However, its absence does not mean that the contractual relationship has not been drawn up.When a customer submits an application to open a bank account for the company, he makes an offer.Acceptance only after signature of the head.
Liabilities Bank
Bank has its obligations to customers.Firstly, it should lead all's operations.This means that the banking system is obliged to deposit cash and write them off.Second, the financial institution must promptly charging the customer cash settlement issue, without giving up cash operations, which serve the interests of the client.Third, the Bank is required to pay each customer for the balance of his account.Important is the fact that the accounts of companies in the banks were under strict protection.That is, the bank is obliged to keep secret and not disclose personal customer information to third parties, relating to payments and funds that come to his personal account.Proper and timely implementation of payment transactions is in compliance with all bank established legal order and the terms of payment reasons.
In addition, the bank shall, within a period of time to produce enrollment, which are addressed to the client, according to settlement documents.Term transferring the funds to a special bank account should not exceed one day.This condition can be fulfilled only if the contract has clauses on the terms stipulated by law.
for all types of bank accounts, as a rule, are made relevant agreements, under which both parties (owner and the banking system) have certain obligations.One of them is the priority of payments.In accordance with the law, by the due date must be respected the sequence of writing off funds of the owners of the relevant documents.
There are two rules that determine the order.The first - the remainder is completely sufficient to cover all of the request.In this case, the documents shall be paid in accordance with the calendar of the next payment.The second rule is determined by the fact that in case of lack of funds all the requirements are automatically canceled.Then the owner is obliged to deposit a certain amount in the bank.For the second variant legislation provides six separate groups of non-cash payments:
- Write-off occurs on the payment documents providing payments to the state funds and budgets.They tend to be transferred to the official wage employment parties.
- write-off provided for in the documents that are budgetary payments, as well as extra-budgetary funds.Such operations are performed in the third stage.
- write-off provided for in the documents that constitute the issuance of funds from accounts in order to meet the demands for compensation for damage that has been caused to life and health.It also includes an item on the alimony.
- Write-offs for the issuance of Finance for payment of severance payments, as well as labor payment to individuals who work under the contract.It also provides for the payment of remuneration prescribed in the author's contract.
- Write-offs that can be made in calendar sequence.
