Tip 1: How to open a bank account for a legal entity
Tip 1: How to open a bank account for a legal entity
In accordance with the Russian legislationscores cash between legal entities may be carried out in an amount not exceeding 100,000 rubles in the same transaction. Rascores for transactions above this amount, must be made by a non-cash way, i.е. through a bank account in Bank.
Instructions
1
In order to open an account for a legal face, you must first choose a bank, throughwhich will be carried out in the future. The selection criteria can be the cost of opening a settlement account and connecting the "Bank-Client" program, the cost of settlement and cash services. Important criteria will be the proximity of the bank to the office of the company, the availability of special programs, for example, "Salary project" or preferential loans to customers.
2
Once you have decided on the choice of the bank,it is necessary to provide documents for opening an account. As a rule, their list is the same in all banks. The package of documents includes: - application for opening an account, signed by the head and chief accountant of the company, - cards with samples of signatures of the head and chief accountant and the seal of the organization's seal, - decision to create a legal entity, - constituent documents, - certificate of state registration of a legal entity , - a certificate of registration with the tax authority, - a letter from the state statistics bodies, - an extract from the Unified State Register of Legal Entities, - orders for appointment to the position of hands the driver and the chief accountant. In addition, the bank may also request other documents at its discretion.
3
After providing the necessary documents between the bank and the legal facem is a contract for the maintenance of a current account with an indication of its number, which can later be used in the formation of payment documents.
4
It should be remembered that in accordance with the Russianthe organization is obliged to submit information to the tax authority at the location of opening and closing of settlement accounts within 7 days from the opening (closing). Otherwise, a fine of 5,000 rubles will be imposed on her. Similar information should be reported to the Pension Fund, the Mandatory and Medical Insurance Fund. Failure to comply with these requirements shall entail the imposition of a fine in the amount of 10,000-20,000 rubles.
Tip 2: How to open a current account for a legal entity
Settlement account is the main financial instrumentlegal person, employee for the management of cash flows. It is necessary for making payments to partners, paying taxes, transferring wages, making revenues, withdrawing cash and other transactions related to the performance of the organization. As a rule, the settlement account is opened immediately after the state registration of the enterprise.
You will need
- - the charter;
- - memorandum of association;
- - the minutes of the meeting of founders or the decision of the sole participant on the establishment of the enterprise;
- - certificate of entering a legal entity into the Unified State Register (OGRN);
- - certificate of registration as a taxpayer (TIN);
- - a letter from Rosstat indicating the statistical accounting codes;
- - Extract from the Unified State Register of Legal Entities;
- - a card with specimen signatures and seal imprint;
- - documents on the appointment of persons indicated in the card with specimen signatures;
- - copies of the passports of persons indicated on the card with specimen signatures;
- - Forms of applications, contracts, questionnaires.
Instructions
1
You can open a settlement account in any bank orat once in several if there is such a need. In any case, to begin with, evaluate the banks on a number of parameters and on their basis choose the most suitable for you.
2
Consider service options in differentbanks, based on the following criteria: - tariffs for the opening of a settlement account, cash management services, work in the "Client-Bank" system, - the proximity of the bank's office, - the possibility of comprehensive servicing of the organization (salary project, concessional lending to employees) legal person in the bank, including in the regime of overdraft (execution of payments in excess of the balance on the current account).
3
Get in the Inspectorate of the Federal Tax Serviceat the place of registration of the enterprise an extract from the Unified State Register of Legal Entities. Prepare copies of the minutes of the meeting of founders or decisions of the sole participant on the establishment of an enterprise, decisions or orders for appointing persons who have been given the right to manage a settlement account and dispose of cash (director, chief accountant, their deputies or, for example, proxies), copies of their passports. Verify the copies with the signature of the manager and the seal of the organization.
4
Confirm the notary's copies of the following documents:- Articles of association - Articles of association - Certificate of registration of a legal entity in the Unified State Register (OGRN) - Certificate of registration as a taxpayer (TIN) - A letter from Rosstat indicating statistical codes.
5
Mandatory document for opening settlementaccounts - a card with samples of signatures and a seal. You can make it yourself by downloading the form from the reference legal database, notarized and given to the bank. But it is possible to act differently: the persons indicated on the card must show their passports to the bank's branch and leave samples of their signatures in the presence of a legal or operational department employee who will certify them.
6
Ask the bank for a set of documentsthe basis of which opens a settlement account: - an application for opening an account, - a bank account agreement, - a customer questionnaire. Fill them in by hand or electronically, put the signature of the head, chief accountant and the seal of the company.
7
With the completed set of documents, contactthe legal or operational department of the bank in which you open a settlement account. Depending on the policy of the credit institution, you can open an account immediately or within a few days.
8
Having received a notification from the bank about opening an account,forget to report this to the Inspectorate of the Federal Tax Service, the Pension Fund and the Social Security Fund in a 7-day period. His pass is threatened with significant fines on the part of each of these state bodies.
