What is a personal account? This is what has become an important part of many people's lives. It is an account that reflects various financial transactions between organizations (insurance companies, banks, utilities, government, tax authorities) and a client who is a legal or natural 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 account of all receipts and taxes, additional payments, various fines (after inspections), and refunds. It must be opened by each new company that is registered.
Many citizens pay utility bills. The owners of the apartment, when they receive the relevant documents about their right to real estate, must go to the organization managing the house (housing and communal services company), submit an application stating that they want to open a personal account. They need this to pay for utilities. Details of all previous owners will not be valid.
Another such account is opened in banks when applying for loans. By the way, it is important to know that in this case, a financial institution should not charge any amount or interest from a person. Such actions will be illegal. The bank has the opportunity to open a similar account to keep money there at a certain percentage. Also, sometimes the accounting department of the company needs a personal account. This is required for settlements with individuals.
Some subtleties
There are peculiarities when opening a personal account, let's consider them:
1. If it is necessary for an individual, then the person should contact the bank, prepare their passport, as well as the TIN. Some ask for the original of the latter, others just need to call the number. Still need a certain amount of cash.
2. In order to carry out credit / debit transactions, you will need a current account or a deposit called “Demand”. They will allow you to use the funds without any restrictions, withdraw money or, conversely, deposit.
3. A bank employee after selecting an account will prepare an agreement, all conditions of this service will be written in it. Carefully read each item, then, if everything suits you, you can sign the document. Signatures in it and in the passport must match. Should be followed by subsequent expenditure operations sign as well. An important characteristic is the personal account number, you can always find it in your bank.
This is useful to know
To open a personal account in a bank of an individual entrepreneur (individual entrepreneur), you need the following documents:
- Certificate of registration and registration with a tax organization.
- Passport.
- Statement.
- A card in which there will be samples of the seal and signature. It should be certified by a notary or in a bank.
- Necessary licenses and patents.
For 1-5 days, the bank checks everything and performs the opening of personal accounts.
Note that a legal entity will need more documents. In addition to the main package, you need a memorandum of association, charter, papers confirming various appointments (directors, accountants), copies of administration passports. You will also need sample signatures, a print 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.