A current account is the main financial instrument of a legal entity that serves to manage cash flows. It is necessary for making payments to partners, paying taxes, transferring wages, depositing proceeds, withdrawing cash and other operations related to the implementation of the organization's activities. As a rule, a current account is opened immediately after the state registration of an enterprise.
It is necessary
- - charter;
- - memorandum of association;
- - minutes of the meeting of founders or the decision of the sole participant to create an enterprise;
- - certificate of entry of a legal entity into the Unified State Register (OGRN);
- - certificate of registration as a taxpayer (TIN);
- - a letter from Rosstat indicating the statistical accounting codes;
- - extract from the Unified State Register of Legal Entities;
- - a card with samples of signatures and seal imprints;
- - documents on the appointment of persons indicated in the card with sample signatures;
- - copies of passports of persons indicated in the card with sample signatures;
- - forms of applications, contracts, questionnaires.
Instructions
Step 1
A current account can be opened in any bank or in several banks at once, if there is such a need. In any case, to begin with, evaluate the banks on a number of parameters and, based on them, select the most suitable for you.
Step 2
Consider service options at different banks, focusing on the following criteria:
- tariffs for opening a current account, settlement and cash services, work in the "Client-Bank" system;
- the proximity of the bank office;
- the possibility of comprehensive services for the organization (salary project, concessional loans to employees);
- the prospect of lending to a legal entity in a bank, including in the overdraft mode (execution of payments in excess of the balance on the current account).
Step 3
Obtain from the Inspectorate of the Federal Tax Service at the place of registration of the enterprise an extract from the Unified State Register of Legal Entities. Prepare copies of the minutes of the meeting of founders or the decision of the sole participant on the creation of an enterprise, decisions or orders on the appointment of persons who have been granted the right to manage the current account and dispose of funds (director, chief accountant, their deputies or, for example, authorized representatives), copies of their passports. Certify copies with the signature of the head and the seal of the organization.
Step 4
Have a notary certified copies of the following documents:
- charter;
- memorandum of association;
- certificate of entry of a legal entity into the Unified State Register (OGRN);
- certificate of registration as a taxpayer (TIN);
- a letter from Rosstat indicating the statistical accounting codes.
Step 5
An obligatory document for opening a current account is a card with samples of signatures and seal imprints. You can make it yourself by downloading the form from the reference legal databases, notarizing it and submitting it to the bank. But you can do otherwise: the persons indicated on the card must appear with their passports at the bank branch and leave samples of their signatures in the presence of an employee of the legal or operational department, who will certify them.
Step 6
Ask the bank for a set of forms of documents, on the basis of which a current account is opened:
- application for opening an account;
- bank account agreement;
- customer profile.
Fill them in by hand or in electronic form, affix the signatures of the manager, chief accountant and the seal of the company.
Step 7
With a ready-made set of documents, contact the legal or operational department of the bank in which you open a current account. Depending on the policy of the credit institution, an account can be opened for you immediately or within a few days.
Step 8
After receiving a bank notification about opening an account, do not forget to inform the Inspectorate of the Federal Tax Service, the Pension Fund and the Social Insurance Fund within 7 days. His pass is threatened with significant fines from each of the listed state bodies.
