Why you need a checking account
Current account is a Bank account with a unique number by which you can easily find and identify the customer of any Bank and keep track of all its monetary transactions – like receipt of funds and their withdrawal. Initially, when opening a Bank settlement account, any sums of money in cash is not necessary, but later the current status of this account corresponds to the amount of funds that belong to the client.
The account does not involve the accrual of interest, it is not intended neither to generate income nor for storing monetary amounts. It is an operating expense with which a Bank customer performs non-cash payments. As in Russia purposeful policy to reduce the circulation of cash and the transfer of all calculations, including those carried out by citizens in private, on a cashless form, to open a Bank account can any person, physical or legal.
How to open a Bank account
If you are an individual, you need to apply to any Bank, show your passport and write the application for opening a current account. Usually for the convenience of making cashless payments this account is attached to a plastic card of the Bank – debit or credit. Your application will be considered, and a few weeks after you sign the contract with Bank about account opening and maintenance credit card.
You, as the owner, can refuse to open a checking account, if you have provided incorrect information about the enterprise or inaccurate documents. His refusal the Bank is not obliged to explain.
In that case, if you – the legal entity or private entrepreneur, opening a Bank account is not dependent upon your desires, because the amount of cash payments in terms of entrepreneurial activities limited by law 100 thousand rubles. Therefore, even though the law does not oblige you to open a Bank account, you will do it by objective necessity.
Check with the Bank requirements as to the form of the assurances provided by the documents, they all can vary.
Each credit institution may have their own nuances when opening a Bank account, they are usually posted on the official website of the Bank. But of those documents, the presentation of which is required for all, you'll need:
- an extract from the register received no later than a month before going to the Bank;
- the certificate on state registration;
- certificate from the tax office with INN;
- incorporation documents, the decision of the General meeting of founders or shareholders on the establishment;
- a letter of statement on the account in statistics bodies;
orders on appointment of Director and chief accountant;
- documents confirming the actual location of the organization.
Advice 2: How to know the account number Sberbank
To transfer funds to a plastic card definitely requested a room RAaccounttion of savings Bank accounts. To correctly refer the documents necessary numbers, check them yourself in the Bank or via the Internet.
You will need
- - the envelope of the card;
- - the card number;
- - the secret word;
- - the passport.
Remember, if you had the envelope of the issued card. If Yes, find it. On the envelope will be indicated the account – it consists of a 20 digit number printed on the front side in the column located after the name and surname of the card holder.
In case you lose the envelope, contact the savings Bank by a single phone 8-800-555-55-50 (for Russia calls free). Listen and act on the advice of the robot. After making the manipulation of telephone extensions you will be moved to the line to the desired operator.
Wait for a response operator. Let us know about your problem. You will be asked to articulate information about yourself: name card holder, its number and the secret word that you specified in the application for a card. It (the word) speak as clearly as possible, spell (if you ask). When the system confirms your identity, the employee of Bank will report your account number.
If the information you mentioned, not confirmed, or you have forgotten your secret word, you refuse to provide the requested information. Do not argue with the operator, because his actions, in this case, it is absolutely legitimate and is the guarantor of the security of your account. To obtain the required number, take your passport and visit the Bank. Upon presentation of the document and maps will give you the necessary information.
Log in to the system "Sberbank Online". This requires that your card was connected to service "Mobile Bank". To enter will receive a permanent identification number and password (via ATM or phone). In the same way to request a one-time password for the security of transactions. On the opened page the system "Sberbank Online" you will see the number of your checking account.