One of the ways to insure your deposit is to receive an answer to the question asked whether the bank that you have chosen to open a deposit there is a member of the existing Russian system of insuring people's money deposits.
It is necessary
deposit bank agreement
Instructions
Step 1
The depositor always risks in a certain way, placing his funds in any of the selected commercial banks, because there is always some probability that the bank will go bankrupt and will not be able to return his money to the depositor.
Step 2
A system of state insurance of household deposits has been adopted in Russia. It is regulated by the presence of a special state program, the basis of which is the Federal Law of the Russian Federation, dedicated to the insurance of household deposits in the banks of our country. To date, more than 900 banks are members of the existing household deposit insurance system in the Russian Federation.
Step 3
When opening a deposit with a bank, be sure to ask if the bank participates in the state deposit insurance program. A citizen of Russia does not need to take any special actions so that the deposit placed in the bank is insured, all depositor's funds deposited in the bank are subject to insurance automatically when the bank agreement is drawn up.
Step 4
In the event of such an insured event, submit an application to the Warehouse Insurance Agency. Refunds begin no later than the 17th day after the official announcement of the bank's bankruptcy. However, we are not talking about the full amount of the deposit, but only about the guaranteed payment of the amount, which is 100 thousand rubles. If the depositor entrusted the bank with an amount greater than this, then the remaining funds will be paid at the rate of 90% of the amount, more than 100 thousand rubles, but not exceeding the amount of 400 thousand rubles.
Step 5
To insure your deposits more reliably, place your money in several commercial banks that are members of the state deposit insurance system, so that the amount entrusted to each of them does not exceed 100 thousand rubles. Or invest in a state-owned bank (Sberbank).
