What bank does a company generally choose to open a basic account?

Generally speaking, companies will go to some big banks to open accounts, Bank of China, Agricultural Bank of China, China Construction Bank, as long as it is a regular national bank, it is safe. Don't use your mobile number. Most people sign up for the company's **, and **people will keep their ** in the registration documents for easy follow-up.

However, if you want to save money for your registration, don't keep your **. Because your identity information will be soon**.

Those who can open an account and register a company must also be rich, but you are just an accountant ......So once you have successfully opened an account, the bank's people will be eyeing you. You will get a state-owned bank account manager, a foreign bank account manager, a loan company, a trademark**, a patent**person and a store**, a business meeting organizer, a mortgage company, search engine marketing, import and export**, accounting outsourcing services, ......and a series of harassment**, once you start, there is no peace.

Therefore, I don't care what bank you go to to open an account, even if you go to a foreign country to open an account, I also advise you not to use your own mobile phone number to open an account. You can even judge your information based on the caller's industry distribution over a period of time. Finally, when you're being exploited, the business value of the information, your phone number, your company name, your name will appear in the online free business information database, you know.

Find a new ** number. Listen to me.

Remember? These are the lessons of my blood and tears! I used to open an account, dozens of ** a day, and it was uncomfortable!

I thinkAs a relatively large enterprise, the company also attaches great importance to opening an account. Because it is a matter of interest for the company and the welfare of employees. There are two issues to consider when opening an account, one is the cost issue and the other is the convenience issue.

One is to facilitate handling and handling other businesses. Although online banking is now available, most of the offices work well, but sometimes it is necessary to make a batch of transfers and collect bills, and sometimes it is necessary to escape from the bank.

The second is the cost issue, each bank's withholding standard is different, various annual fees, and some transfers are also charged. Generally speaking, the cost of local commercial banks is very low and there may be preferential policies. If Changsha Bank was previously used in Hunan Company, there is no cost.

There is no need to cross the line. - Account fees, SMS fees, fee receipts, base fees, high fees, all unreadable. The funds reconciliation account is transferred to the basic household, and both accounts are deducted from the annual fee each year.

Companies are divided into four categories: basic accounts, general accounts, temporary accounts, and special accounts. Only one basic account can be opened for a company.

Others, such as general accounts, can be set up by the company for some business needs, and there is no limit to the number of them. Enterprise certification, amazon** store, express sales, and promotion of WeChat public need to open the public.

Enterprises also have to set up a bank to issue invoices and pay taxes according to their own actual conditions. Businesses also need to open a VAT invoice account, customers need to pay to a public account, and they also need to open a public account. Therefore, basically after the establishment of the business, the basic household needs to be opened to start the business.

1. Choose one that is closer to the enterprise or has more convenient transportation.

2. According to the company's own operating conditions, choose the opening bank with appropriate fees.

3. Try to choose a bank with fast processing time and high efficiency.

4. Choosing a bank with a good service attitude is helpful to enterprises to a certain extent.

5. Enterprises can only and must apply for a basic account.

Extended Materials

A deposit bank is a bank in which the payer or payee has an account during the clearing process of the bill. According to the different ways in which the bearer submits the bill to the bank, the bill clearing is divided into two types: Shun Hui clearing and entrusted collection clearing. In the fund clearing method of Shunhui clearing, the payer's bank (paying bank) directly transfers the money to the payee's bank (payee bank).

In the fund settlement method of entrusted collection and liquidation, the payee entrusts its opening bank to collect the bill payment from the paying bank.

According to the Measures for the Administration of Bank Accounts and the Provisions on Penalties for Violating the Bank Settlement System, the depositary bank violated the regulations and did not hold an account opening license.

or have opened a basic deposit account.

If a depositor opens a basic deposit account or forcibly pulls a unit to open an account, it shall be revoked within a time limit and a fine of 5,000 yuan to 10,000 yuan shall be imposed.

If the depositary bank violates the regulations by paying cash to the depositor of the general depositor's account or failing to report to the People's Bank of China within 7 days from the date of opening or canceling the account of the unit, it shall be fined between 2,000 and 5,000 yuan.

The company has the following advantages:

Market economy. Equal market players are required.

in accordance with the principle of equivalent exchange; Through fair competition, we will obtain and provide commodities from the market, promote the rational flow of the entire market, and realize the optimization of structural erection and the rational allocation of resources. The requirements of the market economy determine that market entities must have clearly defined property rights.

And it must be independent and equal. Due to its unique nature, the legal person system has enabled legal persons to play a major role in the market economy. As a form of legal person, the characteristics of the company fully meet the requirements of the market economy, which will inevitably mean that the company will become the main body of the market economy.

Compared with other market players, the advantages of the company are clearly manifested in:

1. The limited liability of the company's shareholders determines that the shareholders who invest in the company can not only meet the needs of investors to seek benefits, but also limit the risks they bear to a reasonable range and increase their enthusiasm for investment.

2. The company, especially the shares, can be publicly issued and bonds, and widely raise funds in the society, which is convenient for the establishment of large enterprises.

3. The company implements the principle of complete separation of ownership and management rights, and improves the company's management level.

4. The company's unique organizational structure.

The form makes the company's capital and operation tend to maximize the benefits and better realize the purpose of investors.

The opening bank of the company's basic account can choose an approved legally established bank, such as Bank of China, China Construction Bank, Industrial and Commercial Bank of China, etc.

According to the Measures for the Administration of Bank Accounts, depositors can open accounts with their own banks, and banks can also voluntarily choose depositors to open accounts. No unit or individual may forcibly interfere with the opening or use of accounts by depositors and banks. The opening of a basic deposit account shall be submitted to the local People's Bank of China for examination and approval and the issuance of an account opening permit, the original of which shall be retained by the depository unit and the copy shall be submitted to the opening bank for retention.

Therefore, a business can choose one of any legally established bank as the opening bank, but can only choose one business institution of a commercial bank to open a basic deposit account.

A company can open a basic account in a joint-stock commercial bank, a small bank or a local bank. Open a general account in the four major banks.

1. The difference between the two:

1. The settlement speed of the four major banks is fast, there are many outlets, the system of online banking, counter settlement, return box and so on is very mature, and the teller is proficient in operation.

2. There are few outlets and ATMs in small banks. However, local banks generally have a density of outlets in their areas not less than the four major banks, and their services are generally very cordial, and more importantly, local banks are generally close to local taxation, industry and commerce, and even the People's Bank of China.

The basic account opened by the company is mostly used for: settlement, tax payment, payroll, and cash withdrawal.

1. Understand your own business needs, first try to imagine what businesses should be handled regularly after opening an account, in addition to cash withdrawals and public to private, there are also those businesses, arranged according to the frequency of use, and select the most frequently used.

2. A good outlet, the business of the outlet, then there are naturally many people who handle the business, and the business ability may be limited if there are few people in the outlet, so it is necessary to understand the business needs before. The services of large banks may be a little worse, but there are many outlets, convenient deposits, and a wide range of exchanges. If it is possible, it is best to know the situation of the customers who open an account in a branch, and you can find an outlet with poor quality of existing customers, and the enterprise will get better service.

3. Geographical location, a good bank will not let customers often run business outlets. One month.

Once or twice it's almost the same, or even less (e-receipts, statements). So geographic distance is a small issue compared to meeting business needs.

4. Consult the teller before opening an account, pay attention to not being the lobby manager, maintain a good relationship with the teller after opening an account, be familiar with your account manager, and the bank's affairs will be very smooth.

What to consider when opening an account:

One is the convenience of withdrawing cash and handling other businesses. Although there is now online banking, most business offices can do it, but sometimes it is necessary to go to the bank occasionally to handle batch transfers and retrieval orders, so the principle of proximity is adopted.

The second is the issue of fees, the deduction standards of various banks are different, various annual fees, and some transfers also charge handling fees.

Generally, the fees of local commercial banks are relatively low, and there may be preferential policies. For example, the Changsha Bank used to be used by the Hunan company without any fees. There is no handling fee for cross-bank transfers.

1. Capital verification account.

It is used by the industrial and commercial bureau to determine the registered capital. (This has ceased to exist with the cancellation of capital verification).

2. Basic households.

It needs to be opened with the approval of the local bank (account opening permit), and a business can only have one, and it is the only account that can withdraw cash.

3. General households.

The function is no different from the basic account except for cash withdrawal, and you can open an account at any bank except the basic account opening outlet with the account opening permit.

4. Special account. Accounts with specific purposes (e.g. real estate development income accounts).

5. Temporary households.

A capital verification account is a type of temporary account) that is opened according to the temporary needs of the enterprise (capital increase, etc.).

The basic bank account refers to the account where the depositor handles daily transfer and settlement, cash receipt and payment. The expenditure of cash such as wages and funds of the enterprise can only be handled through the basic deposit account.

An enterprise can only open a basic deposit account, when it comes to the indispensable business license, the business license is a proof of an enterprise, and in layman's terms, a business license is an ID card of an enterprise. In addition, the legal person ID card is also a must, in addition to the company's seal, the official seal, the legal person seal, the financial seal, three chapters, when the time is to stamp on the seal card, if the legal person does not have time or for various reasons can not be present, need to entrust others to handle, but also have a power of attorney and the ID card of the handler.

The above are the basic materials for opening an account with a bank, and some banks may need other materials, so you can consult the bank in advance before opening an account. If you still have any questions, you can consult Xiaoyi, and look forward to your adoption

The difference between a basic bank account and a general account.

In the case of ABC's corporate account, the basic deposit account is the depositor's main account, and the depositor's daily business activities shall receive and pay funds and withdraw wages, bonuses and cash through this account.

The general deposit account is used to handle the depositor's loan transfer, loan repayment and other settlement fund receipt and payment. This account can be used for cash deposits, but not cash withdrawals.

After the establishment of the company, the business operation of the capital exchange, will definitely involve the need to go to the bank to open an account. In fact, there is no relevant regulation for the opening bank to open in **, as long as it is in the same city. However, it is recommended for the following aspects, so that it is more reliable to choose the opening bank.

Basic bank account: It is a bank account handled by an enterprise in order to meet the daily cash receipt and payment business. After the basic bank account is handled, the bank will issue an account opening license and a credit institution ** certificate in order to supervise the credit and capital flow of the enterprise.

General bank account: In order to handle transfer settlement and cash deposit business, the general account cannot withdraw cash.

The basic account can deposit cash or withdraw cash, but the general account can only transfer and deposit cash, and cannot withdraw cash. If you want to withdraw cash, you can only withdraw it by transferring it to another bank account.

Basic bank account.

It refers to the account of the depositor for daily transfer settlement and cash receipt and payment. The company's cash expenditures such as wages and funds can only be made through the basic deposit account.

Transact. General Deposit Account.

It is used to handle the receipt and payment of depositors' loans, repayment of loans and other settlements. This account can be used for cash deposits, but not cash withdrawals.