What documents are required to open a current account in Reutov?
To open an account for an individual entrepreneur, it is sufficient to present only their passport.
If you are opening a current account for an LLC, you will need:
the CEO's passport;
a set of incorporation documents.
The bank will prepare everything else independently — you will receive a set of documents for review and signature at the meeting with the representative.
How many current accounts can an organization have?
The law does not limit the number of current accounts that a legal entity or individual entrepreneur may open.
A company or individual entrepreneur may open several accounts. This is convenient if the client wants to use the terms of different tariffs. Opening several accounts is also convenient for managing different business areas and servicing branches.
A credit institution is entitled to close a client's current account in the following cases:
no transactions have been made on the account for six months;
the account has a zero or negative balance, and no funds have been credited to it for 6 months;
the legal entity has been liquidated.
In addition, the account may be closed if the bank suspects the client of using Current Account Services for unlawful purposes. In such situations, the organization is entitled to suspend transactions and request supporting documents. If the client is unable to prove the legality of the incoming funds, the account will be closed.
Except in the case of liquidation, the bank notifies the client of the decision in advance. If there are funds remaining in the account, they can be transferred to another account or received in cash.
How long does it take to open a current account for legal entities?
Opening an account for a legal entity usually takes no more than one day if you promptly arrange a meeting with a bank representative to sign the documents.
You can open an account without personal visits to a branch or the tax office. After signing the agreement, the bank will independently submit all necessary data to the Federal Tax Service within a few days.
