Any legal entity after state registration is obliged to open a bank account. This must be done as soon as possible after receiving documents from the tax office. The procedure for opening a current account consists of several stages.
Instructions
Step 1
Choose the appropriate bank. When choosing, pay attention to the remoteness of the branch from your office. Next, take the banking service agreement and transaction rates for review. These are the cost of opening an account, monthly service fee, the cost of processing payment orders and making payments, commission for receiving and depositing cash to the current account. Include in this list those operations that will directly relate to your type of activity.
Step 2
Explore ways to manage your account in addition to contacting a bank accountant. Nowadays, all banks provide a bank-client service. For this, software and access keys are purchased, thanks to which it becomes possible to independently manage the movement of funds on the account, generate statements and reports.
Step 3
An economical analogue of the bank-client system is Internet banking. Not everyone has this service. Its advantage is that the work is carried out online through a special section of the bank's website. It is enough to go through the registration procedure and receive an electronic key.
Step 4
Having chosen a suitable option for work, collect a package of documents for concluding an agreement with the bank. These are all the constituent documents for the company, originals and photocopies, the latter must be certified by a notary or a bank employee. Order a copy of the charter from the tax office. Additionally, it is required to provide the minutes of the meeting of founders on the election of the head or another document of title and the head's passport. Applications, cards with signatures are drawn up and certified by the bank.
Step 5
The finished agreement is signed by the parties, after which, through the bank's cash desk, replenish the new current account. The cost of opening services will be deducted from it. On average, this amount varies from 3 to 5 thousand rubles for a ruble account. Sometimes banks hold promotions and lower prices for this operation.
Step 6
Within seven days from the moment the bank hands out the data on the open account to the representative of the organization, prepare information letters of a notification nature and send them to the tax office, the pension fund and the social insurance fund. Failure to comply with this condition will result in a fine of up to 5,000 rubles. from each organization. It is impossible to hide the fact or date of opening an account, since the bank, in turn, is also obliged to notify the above organizations about the beginning of cooperation with you.
