A personal account is a vital necessity

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A personal account is a vital necessity
A personal account is a vital necessity

Video: A personal account is a vital necessity

Video: A personal account is a vital necessity
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What is a personal account? It is something that 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 agencies, 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.

Main purpose

For tax inspections, a personal account is a record of all receipts and accruals of taxes, additional payments, various fines (after inspections), returns. It must be opened by every new firm that registers.

This account is
This account is

Many citizens pay utility bills. Apartment owners, when they receive the relevant documents on their right to real estate, must go to the organization that manages the house (housing and communal services enterprise), submit an application that they want to open a personal account. They need it to pay utility bills. Details of all previous owners will not be valid.

Another such account is opened in banks when applying for loans. By the way, it's importantknow that at the same time, a financial and credit institution should not take any amounts or interest from a person. Such actions would be illegal. The bank has the opportunity to open such an account in order to keep money there at a certain percentage. Also, sometimes the accounting department of an enterprise needs a personal account. This is required for settlements with individuals.

Some subtleties

There are some peculiarities when opening a personal account, let's look at 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 to provide the original of the latter, others only need to name the number. A certain amount of money will also be required.

Account number
Account number

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

3. After selecting an account, a bank employee will prepare an agreement, it will contain all the conditions for this service. Read each item carefully, then, if everything suits you, you can sign the document. Signatures in it and in the passport must match. It should also be signed for subsequent debit transactions. An important characteristic is the personal account number, you can always find it in your bank.

Good to know

To open a bank account for an individual entrepreneur (individual entrepreneur) you will need the following documents:

Openingpersonal accounts
Openingpersonal accounts

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

- Passport.

- Statement.

- A card that will contain samples of printing and signatures. It must be notarized or bank certified.

- Required licenses and patents.

In 1-5 days, the bank checks everything and opens personal accounts.

Note that a legal entity will require more documents. In addition to the main package, you need a memorandum of association, a charter, papers confirming various appointments (director, accountant), copies of administration passports. You will also need signature samples, a seal impression, an extract from the current register of legal entities.

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

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