How do I open a basic account after registering a company?

The next step after registering a company license is to register a basic bank account, and not opening a corporate bank account will bring serious consequences. If the enterprise does not have a bank account, in addition to being unable to process payments, income remittances, salary payments, issuing F invoices and other daily business of the company, and cannot apply for a social security account, it will also be monitored by the tax bureau and listed as an abnormal business enterprise by the Market Supervision and Administration Bureau.

After the company is registered, if it does not have a bank account, it will be monitored by the tax bureau and will be classified as an abnormal business by the market supervision and administration bureau. Once the enterprise is listed as an abnormality, the legal person and shareholders will be restricted from high consumption, and it will affect personal credit, and there will be strict restrictions on future purchases, loans, children's schooling and other matters.

If you do not pay wages to public accounts through private accounts or cash, it will be regarded as tax evasion and tax evasion, and you will face high taxes and fines. Generally, the company cannot pass the certification of WeChat***, Weibo and other self-leading platforms for public households, and it is impossible to enter the e-commerce platform.

In Shanghai, the account opening fees of different banks are different, involving account management fees, transfer fees, annual fees, online banking fees, etc., the basic account opened by the company needs to be submitted to the central bank for approval, and the general bank needs 15-20 working days to approve it, and the general bank will send SMS notifications to the reserved mobile phone number after the completion of the transaction. Bank account opening generally depends on our own decision to open in the **, it is recommended to open in the nearest place so that it is more convenient to handle business in the future, when you choose, you can first understand the bank's fees, preferential policies, services, etc., and choose a bank suitable for your own business to open an account.

Information required for handling the company's basic account.

Legal analysis: If you do not need to use invoices, it will not affect if you do not open a basic account. If the enterprise really does not want to open a basic account due to business needs or special circumstances, it can be replaced by a temporary account, which is valid for up to two years.

If the temporary account is a capital verification account, it cannot be withdrawn. If it is not a capital verification account, it is just a simple temporary account, and it can be withdrawn. But this temporary account has a basic account in a different place.

If an enterprise wants to open a deposit account with a bank, handle daily transfer settlement and cash receipt and payment business, it must open a basic deposit account. A unit can only open one basic deposit account with one financial institution.

Legal basis: "Law of the People's Republic of China on Commercial Banks" Article 48 Enterprises and public institutions may independently choose the business premises of a commercial bank to open a basic account for daily transfer and settlement and cash receipt and payment, and shall not open more than two basic accounts. No unit or individual may open an account in the name of an individual to store the funds of a unit.

Summary. 1. General account handling process: You must bring the basic account opening permit certificate to the bank for operation, and different banks will have some differences in application materials and corresponding fees.

Take ICBC as an example: go to the bank to apply for a general account opening, sign the "ICBC Share ********* Trading Agreement", go through the account opening procedures for physical business, and obtain the 10-digit customer code of the exchange.

Note: The handling branch will bind your code to your e-banking customer certificate (ordinary card, corporate self-service card). After the binding is successful, you can trade on T+1 trading day.

To open an account, you must pay a deposit of 10,000 yuan. The funds will not be refunded until the account is closed.

2. Information required for general households: original and duplicate of business license; Original and duplicate of the organization's ** certificate; Original and copy of tax registration certificate (national tax, local tax); Account opening permit; The original ID card of the legal representative, the original identity certificate of the handling personnel, and relevant authorization documents (authorized to handle business, authorized to use the seal seal as a reserved seal); The above must provide 1 copy of A4 paper and affix the official seal.

Account opening application form (fill in the form at the branch of the opening bank), the official seal of the unit, and the reserved seal (official seal or special financial seal, private seal of the legal representative or authorized person).

How to open a general account if the company has a basic account.

1. General account handling process: You must bring the basic account opening permit certificate to the bank for operation, and different banks will have some differences in application materials and corresponding fees. Take ICBC as an example:

Go to the bank to apply for a general account opening, sign the "Industrial and Commercial Bank of China Share ********* Trading Agreement", go through the account opening procedures for physical business, and obtain the 10-digit customer code of the exchange. Note: The handling branch will bind your code to your e-banking customer certificate (ordinary card, corporate self-service card).

After the binding is successful, you can trade on T+1 trading day. To open an account, you must pay a deposit of 10,000 yuan. The funds will not be refunded until the account is closed.

2. Information required for general households: original and duplicate of business license; Original and duplicate of the organization's ** certificate; Original and copy of tax registration certificate (national tax, local tax); Account opening permit; The original ID card of the legal representative, the original identity certificate of the handling personnel, and relevant authorization documents (authorized to handle business, authorized to use the seal seal as a reserved seal); The above must provide 1 copy of A4 paper and affix the official seal. Account opening application form (fill in the form at the branch of the opening bank), the official seal of the unit, and the reserved seal (official seal or special financial seal, private seal of the legal representative or authorized person).

Thank you. You are welcome.

The basic account is the host account for transfer settlement and cash receipt and payment, and the daily fund receipt and payment of business activities, as well as the withdrawal of wages, bonuses and cash can be handled through this account. It is a bank settlement account opened by the depositor for daily transfer settlement and cash receipt and payment, and it is the depositor's host account. So, what is the basic account opening process?

Zhongzhi Finance and Taxation will answer for you.

1. The process of opening a basic account.

1. Bring the information to the target bank, fill in the account opening application, and wait for the bank to open.

2. The bank submits the information to the Bank of China. After the approval of the People's Bank of China, it will issue an account opening permit and an institutional credit certificate.

3. Wait for the bank's notice to go to the branch to get Chi Hong's account opening permit, trembling certificate and institutional credit certificate. Bank activation account. The account is used normally. 2. Required information to open a basic deposit account, different depositors should issue supporting documents to the relevant bank outlets according to the following requirements:

1. The original business license of the enterprise legal person shall be issued.

2. For unincorporated enterprises, the original business license of the enterprise shall be issued.

3. Organs and public institutions that implement budget management shall issue the approval or registration certificate of the personnel department or the establishment committee and the certificate of approval of the financial department to open an account; Public institutions that are not under budget management shall issue an approval or registration certificate from the personnel department or the establishment committee.

4. Units at or above the regimental level (inclusive) of the armed forces and armed police and detachments (sub-units) on scattered duty shall issue account opening certificates from the financial departments of the units at or above the military level and the financial departments of the armed police corps.

5. Social organizations shall issue a certificate of registration as a social group, and religious organizations shall also issue an approval or certificate from the administrative department for religious affairs.

6. Private non-enterprise organizations shall issue a private non-enterprise registration certificate.

7. Permanent establishments in other places shall issue an approval document from the competent department of the place where they are stationed.

8. Foreign institutions in China shall issue approval or certificates from the relevant national authorities; The representative offices and offices of foreign-funded enterprises in China shall issue a registration certificate issued by the national registration authority.

9. For individual industrial and commercial households, the original business license of individual industrial and commercial households shall be issued.

10. Residents' committees, villagers' committees, and community committees shall issue approval documents or certificates from their competent departments.

11. The subsidiary institution of independent accounting shall issue the license and approval document for opening the basic deposit account of the competent department.

12. Other organizations shall issue approval or certificate from the competent authority.

If the depositor is a taxpayer engaged in production or business activities, the tax registration certificate issued by the tax department shall also be issued. If the tax registration certificate cannot be obtained according to the relevant provisions of the state, it may not be issued. It is also necessary to show the ** certificate of the organization issued by the state (original), the legal person ID card (if it is not a legal person who originally came to open a basic account, the authorized person's ID card and legal person ID card must be presented, and then according to the authorization letter provided by the bank).

In addition, you also need to bring the official seal of the enterprise, the financial seal and the private seal of the legal person.

All the above documents must be originals.

There are four types of corporate accounts: basic accounts, general accounts, temporary accounts, and special accounts. There are many things to be done to register a company, from the approval of the company's name, the preparation of the registered address, to the company's business license, and the handling of tax matters, all of which must be done, otherwise the company registration cannot be handled.

So, is it necessary to handle the basic account of the company's bank? Is it okay not to open one? In this regard, let's talk about the defeat hole in detail.

Although there is no mandatory requirement that a registered company must open a public account, many business transactions need to use a public account, so if the company wants to operate normally, then it needs to be opened.

What is the use of the company for public accounts? The main aspects are as follows:

1.It is one of the necessary conditions for a company to be upgraded to a corporate account of a general taxpayer.

2.It will be of great help to the settlement and operation of the company's funds, for example, the unit payroll, special management of special funds, daily transfer and settlement and cash receipt and payment are all carried out through the corporate account, and the function of the account is to improve the efficiency of the company's capital operation.

3.When it comes to online sales and business dealings with enterprises, it will involve business-to-business, private-to-private account transactions.

Of course, there are four types of corporate accounts: basic accounts, general accounts, temporary accounts, and special accounts. Not all types of public households need to be handled, and generally basic households and general households can be handled.

The so-called basic deposit account is the most basic corporate account opened by the company in the name of the depositor, which is mainly responsible for daily transfer cash settlement and cash receipt and payment. An enterprise or institution can only open one basic corporate account in one bank, that is to say, a company can only have only one basic deposit account.