Cashier: How To Open A Bank Account

Agencies, organizations, enterprises, institutions, and individual industrial and commercial households who want to settle accounts in daily economic activities (collectively referred to as depositors) can open accounts in banks (or credit cooperatives).

Tellers should understand and participate in the opening process of bank accounts, so as to facilitate future dealings with banks.

(1) choose to open a bank well.

Generally speaking, we should weigh the pros and cons in the following situations: (1) whether the unit is close to the bank; secondly, whether the banking facilities and projects are advanced and complete, and whether it can directly handle the quick settlement in different places; third, whether the bank credit funds are strong enough to provide certain loan support in the difficult times of the enterprises.

(two) understand the basic procedures for opening bank accounts.

Current bank account

"There are four kinds of deposit accounts: one is the basic deposit account, the other is the general deposit account, the three is the temporary deposit account, and the four is the special deposit account." "

A depositor should first open a basic deposit account in a bank, because it is an account for depositors to handle daily pfer accounts and cash receipts and payments.

Cash withdrawals such as wages and funds of depositors can only be handled through this account.

The basic deposit account is what people call a settlement account.

The procedures for opening are as follows:

The first step is to have the basic conditions for opening accounts in advance.

(1) enterprises and individual industrial and commercial households must have the original business license or business license issued by the local administrative department for Industry and commerce. The organs and public institutions must have approval from the central or local commission, personnel and civil affairs departments.

(2) in accordance with the above documents, the official seal and financial seal with identical names in the business license or document are approved by the public security department.

It is also required to have a corporate identity, a financial secretary's name, and a bank's financial personnel.

The second step: in addition to individual business and outdoor business, all enterprises and units should sign the code to the local Metrology Department.

Some places also need to obtain the tax certificate from the local tax department.

Third step: apply to the bank (or credit union) to open an account with the above certificate and fill in the application form (or application form).

The fourth step: the application form (or application form) agreed by our bank to endorse in our bank (Society), and the seal, business license original or file, code certificate, tax certificate, etc., to the local people's Bank for the "opening permit".

The fifth step is to send the copy of the "permit for opening an account" to the opening bank, where the bank will set up an account and reserve the seal on the reference card.

The sixth step: to

Purchase a certain amount of pfer cheque and cash cheque.

The seventh step is to pfer or deposit a certain amount of funds in the opened account according to the requirements of the bank for use.

At this point, the newly opened bank account can be lawfully used.

A general deposit account is a depositor's loan deposit account opened by a bank other than a basic deposit account based on a loan contract or a loan receipt, or a depositor who agrees with a basic deposit account.

An auxiliary account opened in different places.

A temporary deposit account is an account opened by a depositor for a specific purpose, based on a temporary licence issued by the local industrial and commercial administrative organ or by a local authority concerned for the approval of the establishment of an interim institution.

A special deposit account is a depositor's application for opening a special fund account in accordance with the relevant documents approved by the relevant department, or in accordance with the relevant documents of the state.

For example, an account opened for capital construction, an account opened for renovation funds, and a depositor's account management account for a specific purpose.

The general deposit account, the temporary deposit account and the special deposit account are simpler than the basic deposit accounts.

The people's Bank of China does not emphasize the issuance of the "opening permit" by the branches of the local people's Bank. It only requires the banks to examine the banks themselves and declare it to the branches of the local people's Bank within 7 days of opening and revoking.

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