How to open a settlement account

The current account is a "demand" account and ensures reliability and quick access to the cash, which are on it, as soon as necessary. The main purpose of its purpose is to conduct non-cash settlements with counterparties and in government agencies, as well as with borrowers. In this regard, all organizations leading economic activities necessarily open the current account in one of the banks.

Most entrepreneurs who are just starting their activities give preference to work with Sberbank Russia, because This banking institution has a wide branch network, has a high degree of reliability. The opening of the current account in the bank has its own sequence, but in different banks there may be distinctive features of this process.

To open the current account in the Bank, submit originals of the necessary documents and their copies. All copies must be certified by a notary. Package of documents for opening a current account in the Bank:

an application for opening an account (the Bank provides a special form);
documents on state registration of a business entity;
certificate that the organization is registered with the tax service;
constituent documentation (charter, contract);
documents confirming the powers of the head and chief accountant (Minutes of the meeting of founders, the order for the appointment of the head, the order for receiving the person to work to the position of chief accountant);
documents on statistical codes from Rosstat;
extract from the register;
document on registration in extrabudgetary funds;
cards with examples of signatures of all persons who will have access to a settling account, and the seal of the organization.

Power of attorney for opening an account in a bank

An example of a completed power of attorney to open an account in the bank

Application form for opening an account (approximate form)

An example of a completed application for opening an account (approximate form)

After that, employees of the banking institution will be checked by the adopted documents. Within 4-7 business days, an agreement will be prepared for the opening and further use of a bank account. Before signing the document, check its content, if necessary, consult a lawyer.

After both sides (organization and bank) signed an agreement, the organization can carry out all the surveillance with the current account of the operation. Each organization is obliged to notify government agencies that the current account is opened, and provide all the necessary documents for this in the procedure established by law and certain times.

Blank reports on the opening (closing) of the account of the payer of insurance premiums to the Pension Fund of the Russian Federation

Example of the posting (closing) of the account of the payer of insurance premiums to the Pension Fund of the Russian Federation

A power of attorney may be issued to open a current account, which gives the authority to the official person to conduct some operations, for example, the provision of payment documents of the Organization to the Bank for non-cash operations, receiving statements about cash flow, receiving and making cash within the current account and Dr.