Advice 1: How to close a Bank account

An individual has the right at any time to close your RAaccounttion account at the Bank. If the fee is not charged, you can not do this. But in situations where you are sure that you will no longer need to overpay makes no sense. For this operation you just need to contact the Bank branch where it was opened and, very often, any more.
You will need
  • - passport;
  • - the application for closing the settlement account or other document in the form of the Bank (to be filled in the office of the credit institution);
  • - fountain pen.
Instruction
1
Come with your passport to the Bank branch and inform the teller about his desire to close the account. If the linked savings account, other similar document or Bank card, take them. All this - the property of a credit institution, which at refusal of services of the latter should be returned to her.
2
Most likely, you will be asked to write a statement and will offer a special form.
If the account fee is charged, better pick up a copy of the completed application (if this will not help in the Bank, find a copy machine nearby, the lack of such services is usually not) and ask them to make it a mark of acceptance. Known cases when the Bank "forgot" to close an account or a product such as a map. And then after some time when the accumulated amount of money, began demanding its return. And to prove his innocence former client was difficult.
3
In completion of all formalities, the Bank employee will check the application with your passport, will take tied to the account Bank records (passbook and similar; your copy of the contract for maintenance of the account and the annexes thereto remain with you) or Bank card with them.
If there were some money, the Bank should give them to you in cash through the cashier or transfer to another account, including third-party Bank. In practice small amounts it usually credits to your income.In case of debt it before you close the account, you will have to repay the Deposit money to the cashier of the Bank, through an ATM or the transfer of third party credit institutions or from another account in the same.

Advice 2: How to close the account of FE in the Bank

Any individual entrepreneur may face the need to close the account in the Bank. This may be due to the cessation of the business activity, change in Bank. The account closure procedure is simple and takes very little time. It is necessary to observe some requirements for the closure of the accounts of SP in Bank.
You will need
  • - application for closing of account;
  • the amount of funds remaining in the account;
  • - approved limit on cash balances.
Instruction
1
In accordance with the legislation of the Russian Federation the contract of the Bank accountand may be terminated by agreement of the parties, at the initiative of the Bank or the client. To close the RAaccountcent accountand contact the Bank with the statement for termination of the contract of Bank account. The contract stops from the moment the Bank receives your application.
2
When you close the RAscoretion scoreand the Bank will give you the balance of funds available on the accounte, or transfer them to your specified RAaccountth account of another Bank. Cash or RAaccount- ing documents submitted to the Bank after closing the accountand will be returned to the sender with a note that the contract of the Bank accountand terminated.
3
After the closure of the accountand the Bank will notify the tax Inspectorate, Pension Fund and HIF. Notice of closing the accountand fill in approved forms. Examples of forms you can find on the official sites: www.nalog.ru, www.fss.ru, www.pfrf.ru in the sections information for the taxpayer and for the employer. Don't forget to report on closing of accountand those of your partners, because the details of your accountas specified in the contracts, in order to avoid further incorrect payments to a non-existent account.
4
For the late notification of the closure of RAscoretion scoreand the tax Inspectorate, social insurance Fund and Pension Fund legislation stipulates liability in the form of imposing a fine of 1,000 rubles.
Note
The notification period for the closure of the accounts of the funds and the tax office is 7 days. It is safer to consider the period from the date of transfer of your statement on the closure of the Bank account.
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