The company opens a special account, how to open a company account

Bring your business license and legal person information to the bank to apply for a company's corporate account Very simple, try not to delay until around the New Year, there will be a lot of people.

The process of opening a corporate account is as follows:

1. When the company is established, it is necessary to apply for a business license, and the business license will be stamped on it to indicate whether it is a taxpayer;

2. Engrave the official seal and financial seal according to the business license handled by the company establishment, and file it with the Public Security Bureau;

3. Choose the right bank as your own opening bank, when opening an account, the bank will make a list of account opening information, prepare the information according to the list, and pay attention to the corresponding seal according to the bank's requirements;

4. After submitting the information in accordance with the bank's regulations, the bank will report to the People's Bank of China for approval, and the process can be completed after one week. If necessary, you can handle banking services such as checks, online banking, and SMS notifications. After the processing is completed, the bank account can be used normally.

Article 28 of the Company Law of the People's Republic of China.

Shareholders shall pay in full and on time the amount of capital contributions subscribed by them as stipulated in the articles of association. If the shareholder makes a monetary contribution, the full amount of the monetary contribution shall be deposited into the bank account opened by the limited liability company; Where non-monetary assets are used to make capital contributions, the formalities for the transfer of property rights shall be completed in accordance with law.

If a shareholder fails to pay the capital contribution in accordance with the provisions of the preceding paragraph, in addition to paying the full amount to the company, it shall also bear the liability for breach of contract to the shareholder who has paid the capital contribution in full on time.

Article 29 of the Company Law of the People's Republic of China.

After the shareholders have fully subscribed to the capital contribution stipulated in the articles of association, the representatives designated by all shareholders or the persons jointly entrusted by the shareholders shall submit the application for company registration, the articles of association and other documents to the company registration authority to apply for establishment registration. Article 30 After the establishment of a limited liability company, if it is found that the actual value of the non-monetary property contributed by the establishment of the company is significantly lower than the amount fixed in the articles of association, the shareholder who has made the capital contribution shall make up the difference; The other shareholders at the time of the establishment of the company are jointly and severally liable.

As we all know, the company is the first to open a basic account, because the basic account opening license is required to open a general account and a temporary account, and it is precisely because we are now aiming at the newly registered company bank account, so let's talk about the specific situation of opening a basic account.

1. Before handling the basic account, visit several banks to compare the corporate business charges, service attitude, speed of account opening and convenience of outlets. After determining the bank you choose, choose a branch close to the office to facilitate the office in the future. When you go to the counter, the bank staff will give you a list of required documents and fees.

2. The documents required for opening a bank account for a new enterprise are as follows: "original business license", "original legal person ID card", financial seal, official seal, and legal person seal. If the handler goes to open an account, it is necessary to have the ID card of the handler and a power of attorney signed by the company's legal person.

3. Details of the bank account opening process: the bank submits the verification documents--- the customer truthfully fills in the "Application for Opening a Unit Bank Settlement Account", and stamps the official seal--- the opening bank should sign the "RMB Unit Bank Settlement Account Management Agreement" with the depositor, and the opening bank and the depositor each hold a ---copy of the "Affiliated Enterprise Registration Form" - the following bank will send it to the People's Bank of China for approval and approval--- after the People's Bank of China approves and issues the "Account Opening Permit", the general opening bank will "Account Opening Permit" original and password, "Account Opening Application" The customer retains the joint delivery and signs for the receipt with the customer.

1. Make an appointment with the bank account manager in advance or bring relevant materials directly to 2. Sign the relevant documents and seal under the guidance of the account manager 3. The bank will submit the relevant information to the central bank, which generally takes 5 working days, and the central bank will issue an account opening permit 4. Wait for the account manager to notify you to collect certificates, return cards, U shields, etc. 5. Carry out account deposits and other remaining operations under the guidance of the account manager Note: Generally speaking, in the account opening and evidence collection, the legal representative is present at least once.

The process of opening a corporate account is as follows:

1. Make an appointment with the bank account manager in advance or bring relevant materials directly;

2. Sign and seal relevant documents under the guidance of the account manager;

3. The bank will submit the relevant information to the central bank, which generally takes 5 working days, and the central bank will issue an account opening permit;

4. Wait for the account manager to notify you to collect evidence, receipt card, U shield, etc.;

5. Carry out the remaining operations such as account deposit under the guidance of the account manager.

Corporate account refers to the bank settlement account opened by the depositor in the name of the unit. Corporate bank settlement accounts are divided into basic deposit accounts, general deposit accounts, special deposit accounts, and temporary deposit accounts according to their purposes.

The basic deposit account is the main 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 salaries, bonuses and cash can be handled through this account. Depositors can only open one basic deposit account with the bank. Opening a basic deposit account is a prerequisite for opening a settlement account with other banks.

According to the Administrative Measures for RMB Bank Settlement Accounts, an entity can only choose one bank to apply for opening a basic deposit account.

A special deposit account refers to a bank settlement account opened by a depositor for special management and use of its funds for specific purposes in accordance with laws, administrative regulations and rules. The special deposit account is used to handle the receipt and payment of various special funds, which is applicable to capital construction funds, renovation funds, extra-budgetary funds, grain, cotton and oil purchase funds, transaction settlement funds, transaction deposits, trusts, interbank funds deposited by financial institutions, policy-based real estate development funds, unit bank card reserves, housing**, social security**, income remittance funds, business expenditure funds, and organizational funds of the party, youth league and trade unions set up in the unit. Other funds that need to be managed and used on a special basis. The purpose of opening a special deposit account is to ensure that funds for specific purposes are earmarked for specific purposes and to facilitate supervision and management.

Legal Analysis: Conditions for the Establishment of Segregated Accounts by the Company's Labor Union:

1) What are the conditions for the establishment of a national-level group company:

1. The registered capital of the parent company of the enterprise group is more than 50 million yuan.

2. Have at least 5 holding subsidiaries;

3. The total registered capital of the parent company and its subsidiaries is more than 100 million yuan;

4. All members of the group have legal personality.

2) What are the conditions required for the establishment of a provincial group company:

1. The registered capital of the parent company is more than 30 million yuan;

2. There are three subsidiaries (i.e., holding companies);

3. The sum of the registered capital of the parent company and the registered capital of the three subsidiaries is more than 60 million yuan.

4. All members of the group have legal personality.

3) What are the conditions for the establishment of a municipal group company:

1. The registered capital of the parent company is more than 10 million yuan;

2. There are three subsidiaries (i.e., holding companies);

3. The sum of the registered capital of the parent company Youju and the registered capital of the three subsidiaries is more than 20 million yuan.

4. All members of the group have legal personality. Time limit for acceptance and review: to apply for the establishment, change, cancellation of registration and filing of the group, where the documents are good and the documents are complete, the administrative authority for industry and commerce shall complete the approval or verification procedures within 5-15 working days after acceptance.

Legal basis: Article 5 of the Interim Provisions on the Registration and Administration of Enterprise Groups An enterprise group shall meet the following conditions:

1) The parent company of the enterprise group has a registered capital of more than 50 million yuan and has at least 5 subsidiaries;

2) The total registered capital of the parent company and its subsidiaries is more than RMB 100 million;

3) All members of the group have legal personality.

The national pilot enterprise group should also meet the conditions of the pilot enterprise group determined by the national pilot enterprise group.

In addition, the general account cannot be transferred to a personal settlement account, and a bank settlement account opened at a bank business institution other than the bank where the basic deposit account is opened. Plainly. The settlement account of the unit bank is divided into a basic deposit account according to the purpose, and the general account can only be opened with the basic account, and the general account cannot be opened in the opening bank of the basic account.

c) A special deposit account is for the depositor in accordance with the law. The bank settlement account opened by the individual industrial and commercial household with the business license or the name of the operator shall be included in the management of the bank settlement account of the unit, and the business license shall be applied for after the capital verification is successful. The depositor of the settlement account of the corporate bank can only open one in the bank.

Basic deposit account.

1) The basic deposit account is a bank settlement account that the depositor needs to open for daily transfer settlement and cash receipt and payment.

2) The general deposit account is a bank settlement account opened by a depositor for borrowing or other settlement needs, the general account can only be transferred, and the basic account can only be opened with a business license, administrative regulations and rules, and the special management and use of funds for specific purposes.

4) A temporary deposit account is a bank settlement account opened by a depositor for temporary needs and use within a specified period of time.

Note: The basic account can be opened in cash and transfer, general deposit account, and it should be opened at other outlets or other banks.

The bank settlement account opened by the depositor in the name of the unit is the unit bank settlement account and special deposit account: if there is no business license, a temporary account for capital verification and a temporary deposit account must be opened first.

According to the different deposit period and deposit interest rate, it is divided into: unit demand deposit account and unit time deposit account.

1. Corporate fixed deposit account: It is a deposit account opened by the depositor, which is used to calculate the deposit amount, deposit term, interest rate level and interest settlement method agreed with the bank in advance. This account is used to account for unit time deposits, unit call deposits and unit agreement deposits.

The corporate fixed deposit account is a non-settlement account.

2. Corporate current deposit account: It is a bank current settlement account with RMB in RMB.

Settlement accounts (current accounts) can be divided into the following according to different purposes

1. Basic deposit account: the settlement account that the depositor needs to open for daily transfer and settlement and cash receipt and payment. Only one basic deposit account can be opened for one unit.

2. General deposit account: a settlement account opened by a depositor in a bank other than the bank where the basic deposit account is opened for borrowing or other settlement needs.

3. Temporary deposit account: a settlement account opened by the depositor for temporary needs and use within the specified period.

4. Special deposit account: a settlement account opened by a depositor for special management and use of its funds for specific purposes in accordance with laws, administrative regulations and rules.

Bank deposits refer to the monetary funds deposited by a business with banks and other financial institutions. According to the provisions of the national cash management and settlement system, every enterprise must open an account in the bank, called settlement account deposit, which is used to handle deposits, withdrawals and transfer settlements.

There are four types of business deposit accounts.

1. Basic account: Each enterprise must have only one and can withdraw cash.

2. General account: You can open a lot, you can only transfer money, you can't withdraw cash.

3. Temporary account: It will be used for capital verification when it is established.

4. Special users: used when there is a professional use, such as doing a project and so on.

The process of opening a basic account for a company:

1. Submit the relevant account opening certificate.

Administrative and public institutions such as organs, troops, schools, and people's organizations must submit to the bank a certificate issued by the financial department or the competent department at the next higher level; Industrial and commercial enterprises under the ownership of the whole people and collectives must submit to the bank the certificate issued by the competent department and the business license issued by the administrative department for industry and commerce. After the above-mentioned supporting documents are reviewed and approved by the bank, the bank will issue an application form for account opening.

2. Fill in the application form.

Fill in the following information as required: the name of the unit applying for account opening; the nature and class of the unit; higher-level authorities; Business license registration number; Address of the unit, **; funding** and utilization; production and operation scope, etc. And the unit stamps and submits it to the bank for review.

3. Fill in the seal card.

The seal identification card should be stamped with the official seal of the account opening unit and the name seal of the financial supervisor or accounting officer. The seal card is a legal basis for payment agreed in advance between the unit and the bank. Therefore, when the bank handles the settlement business for the unit, it should proofread the seal reserved on the seal card, and if the seal stamped on the payment voucher is inconsistent with the seal on the seal card, the bank cannot handle the payment, so as to ensure the deposit safety of the account opening unit.

4. The account number issued by the bank is the account code.

The account opening unit. It is composed of the bank designating the corresponding account according to the administrative affiliation of the unit and the nature of the capital, and adding the sequence number of the enterprise unit.

Hello, the following information is required to open a basic account.

1. Copy of the original and copy of the business license;

2. The original and copy of the organization's ** certificate;

3. Original and duplicate of tax registration certificate (national tax, local tax);

4. 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 reserved seal);

Supporting documents for items 1-4 are required.

Copy of A4 paper (2 copies of basic account) with official seal.

5. Account opening application form (fill in the form for account opening), 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). After bringing all these materials, you can go to the bank to open a basic account, and if you don't understand, please continue to ask questions, understand. Target!