A novice businessman, having decided to start his own business, immediately faces many urgent problems and questions. For example, in which bank to open a current account. After all, there are many financial institutions and all of them are vying with each other to offer their services, assuring that they are able to create the best conditions for any client.
Instructions
Step 1
Please note that the choice of bank depends on many factors. For example, on what transactions will be mainly carried out through this current account; on the value of bank fees for opening and maintaining an account; speed and quality of service, etc.
Step 2
Take the time and effort to make inquiries. Analyze the information received and, based on it, draw up a preliminary list of several banks with the most favorable conditions. If possible, personally visit the branches of each of these banks, consult, make an impression about the level of professionalism of the employees.
Step 3
A very important point is perspective. You should consider in advance what banking services you may need in the future. And, accordingly, pay attention to financial institutions where all these services can be obtained.
Step 4
Special attention should be paid to the reliability of the bank. Alas, not a single commercial organization, even the seemingly most reliable and solid one with an impeccable reputation, is immune from ruin. However, large banks are much less likely to find themselves in such a bleak situation than small ones. In addition, the collapse of a large bank can lead to negative consequences for a very large number of people, which is fraught with a social explosion, therefore, as a rule, the state makes every effort to keep it afloat. For security reasons, it would be wiser to open an account with a large, well-known bank.
Step 5
If possible, use the services of a banking consultant. A competent person can compile fairly objective information about a bank by analyzing data such as: term of work (a year, two or decades), the ratio of its liabilities to assets, representation among founders (how respectable people are), frequency of change of top managers in it (managers, top managers), the bank's entry into the deposit insurance system, etc.
Step 6
Finally, it is necessary to take into account such indicators as the location of the bank branches; speed of connection with the right specialist when trying to get through; the time it takes to wait in line, etc. All this is also important when deciding on the choice of a financial institution, because it is not in vain that they say “time is money”.
