A personal account is an account that is opened in a commercial bank by an individual, individual entrepreneur or organization for making settlements. Several personal accounts can be opened for an economic entity.
Instructions
Step 1
In order to open an account, an individual must contact the bank with a passport and TIN. Some banks do not require the original of the latter, it is enough to give a number if it has been assigned to you. In addition, you need a certain amount of money to open an account.
Step 2
Next, you need to explain to the operator for what purposes you need an account. To carry out incoming and outgoing transactions, you will open a current account or "On Demand" deposit. They make it possible to use the account without restriction, make contributions and withdraw money at any time.
Step 3
After you have chosen the required account, a bank representative will prepare an agreement, which specifies the conditions for the provision of the service. At the same time, read it carefully, check the correctness of filling in your personal data, only then sign. It is necessary that the signature on the contract coincides with the signature in the passport. In addition, for all subsequent consumable operations, it will be checked against your installed sample.
Step 4
To open a personal bank account for an individual entrepreneur, you need to submit the following documents: passport, certificate of registration as an individual entrepreneur and tax registration. In addition, it is necessary to write a corresponding application, fill out a card with samples of signature and seal, certify it with a notary or a bank representative, as well as provide patents or licenses, if this is provided for by the activities. The bank checks the above documents within 1-5 days and opens an account.
Step 5
To open a personal account, a legal entity needs to collect a larger package of documents than an entrepreneur. In addition to certificates of state registration and tax registration, an enterprise needs to submit a copy of the charter, constituent agreement, documents on the appointment of a manager, chief accountant, copies of their passports. In addition, you should draw up a card with samples of signatures and a seal, as well as an extract from the register of legal entities.
