The personal account is a vital necessity

What is a personal account? This is what has become an important part of many people's lives. It is an account reflecting various financial transactions between organizations (insurance companies, banks, utilities, state authorities, tax inspection) and a client who is a legal or physical person. One person may have several. Each of these accounts has its own characteristics: number, name of the bank.

The main purpose

For tax inspections, a personal account is an accountall receipts and charges of taxes, additional payments, various penalties (after inspections), refunds. It should be opened by every new company that registers.

Many citizens pay for utilities. Owners of the apartment, when they receive the relevant documents about their right to real estate, must go to the organization that manages the house (utility company), apply that they want to open a personal account. They need it to pay for utilities. The requisites of all previous owners will not be valid.

Another such account is opened in banks during registrationcredits. By the way, it is important to know that at the same time the financial and credit institution should not take any amounts or interest from a person. Such actions will be illegal. The bank has the opportunity to open a similar account in order to keep money there at a certain percentage. Also, sometimes an enterprise account needs a personal account. This is required for settlements with individuals.

Some subtleties

There are special features when opening a personal account, let's consider them:

1. If it is necessary for an individual, then a person should apply to the bank, prepare his passport, as well as an INN. Some are asked to provide the original of the latter, others only have to call the number. A certain amount of money will still be required.

2. To carry out income / expenditure transactions, you will need a current account or deposit called "On Demand". They will allow using the funds without any restrictions, withdraw money or, conversely, make.

3. Employee of the bank after the selection of the account will prepare a contract, it will describe all the conditions of this service. Carefully read each item, then if you are satisfied, you can sign the document. The signatures in it and in the passport must match. It should also be signed at subsequent expenditure transactions. An important characteristic is the account number, it can always be found in your bank.

This is useful to know

To open a personal account of a private entrepreneur (individual entrepreneur) in the bank, you will need the following documents:

- Certificate of its registration and registration with a tax organization.

- Passport.

- Application.

- A card in which there will be samples of seals and signatures. It should be certified by a notary or bank.

- Necessary licenses and patents.

For 1-5 days the bank checks and performs opening of personal accounts.

Note that a legal entity will needmore documents. In addition to the main package, you need a memorandum of association, articles of association, papers confirming different appointments (directors, accountants), copies of the administration passports. Also need samples of signatures, an imprint of the seal, an extract from the current register of legal entities.

Before opening a personal account, you can always consult with specialists in the bank.