To carry out the legal activities of an LLC, it is necessary to open a current account immediately after registration with the tax authority. You need to be very serious about choosing a bank, preparing a package of documents, as well as drawing up an agreement with a bank.
It is necessary
- - banking consultant
- - a full package of required documents
- - funds to pay for the cost of bank services
Instructions
Step 1
A current account is a bank account for a legal entity (in this case, for an LLC), the main functions of which are the storage of funds, cashless payments with other legal entities and individuals. When opened, it is assigned its own unique number, which must be reflected in all relevant documents.
Step 2
For the financial activities of LLC, the current account is of great importance:
- greatly simplifies the process of settlements with suppliers and customers;
- ensures the safety of storage and movement of funds;
- according to the law, the current account refers to "demand deposits".
In accordance with the rules of the bank, at the end of the reporting period, a certain percentage must be accrued on the balance of funds.
Step 3
In order to open an account, you must submit the following documents to the bank:
- an application for opening a current account (the application form is issued by the bank itself);
- constituent documents and certificate of state registration of LLC (copies of the organization's charter and constituent agreement, registration certificate and information extract from the Unified State Register of Legal Entities, certificate of registration with the Federal Tax Service Inspectorate of the Russian Federation);
- samples of signatures of the director and chief accountant;
- documents on the appointment to the position of director and chief accountant;
- print imprint.
All copies of documents must be notarized. In the future, the bank will carry out payment orders only with the provided signatures and the seal, the imprint of which was provided.
Step 4
When submitting a full package of documents to the bank, an agreement is concluded between the bank and the LLC for servicing the current account, where a unique account number, the date of the conclusion of the agreement and its entry into force, and the conditions for the provision of banking services and their cost are described in detail.
Step 5
Choosing a bank to open a current account is a very responsible matter, it must be approached with all seriousness. The main points to consider when choosing a bank:
- location of the head office and bank branches, distance from your office. Indeed, in the future, the accounting department will have to take documents and payment orders there;
- the cost of banking services (monthly account maintenance, commissions for making payments and for withdrawing funds, cash collection services);
- the bank's rating and its reputation.
It is necessary to compare the above indicators for several banks, consult with knowledgeable people and read reviews about the work of banks. Only after weighing everything should be made a decision and conclude an agreement.
