Advice 1: How to close a Bank account

An individual has the right at any time to close your RAaccounttion account at the Bank. If the fee is not charged, you can not do this. But in situations where you are sure that you will no longer need to overpay makes no sense. For this operation you just need to contact the Bank branch where it was opened and, very often, any more.
How to close a Bank account
You will need
  • - passport;
  • - the application for closing the settlement account or other document in the form of the Bank (to be filled in the office of the credit institution);
  • - fountain pen.
Instruction
1
Come with your passport to the Bank branch and inform the teller about his desire to close the account. If the linked savings account, other similar document or Bank card, take them. All this - the property of a credit institution, which at refusal of services of the latter should be returned to her.
2
Most likely, you will be asked to write a statement and will offer a special form.
If the account fee is charged, better pick up a copy of the completed application (if this will not help in the Bank, find a copy machine nearby, the lack of such services is usually not) and ask them to make it a mark of acceptance. Known cases when the Bank "forgot" to close an account or a product such as a map. And then after some time when the accumulated amount of money, began demanding its return. And to prove his innocence former client was difficult.
3
In completion of all formalities, the Bank employee will check the application with your passport, will take tied to the account Bank records (passbook and similar; your copy of the contract for maintenance of the account and the annexes thereto remain with you) or Bank card with them.
If there were some money, the Bank should give them to you in cash through the cashier or transfer to another account, including third-party Bank. In practice small amounts it usually credits to your income.In case of debt it before you close the account, you will have to repay the Deposit money to the cashier of the Bank, through an ATM or the transfer of third party credit institutions or from another account in the same.

Advice 2: How to close the account of FE in the Bank

Any individual entrepreneur may face the need to close the account in the Bank. This may be due to the cessation of the business activity, change in Bank. The account closure procedure is simple and takes very little time. It is necessary to observe some requirements for the closure of the accounts of SP in Bank.
How to close the account of FE in the Bank
You will need
  • - application for closing of account;
  • the amount of funds remaining in the account;
  • - approved limit on cash balances.
Instruction
1
In accordance with the legislation of the Russian Federation the contract of the Bank accountand may be terminated by agreement of the parties, at the initiative of the Bank or the client. To close the RAaccountcent accountand contact the Bank with the statement for termination of the contract of Bank account. The contract stops from the moment the Bank receives your application.
2
When you close the RAscoretion scoreand the Bank will give you the balance of funds available on the accounte, or transfer them to your specified RAaccountth account of another Bank. Cash or RAaccount- ing documents submitted to the Bank after closing the accountand will be returned to the sender with a note that the contract of the Bank accountand terminated.
3
After the closure of the accountand the Bank will notify the tax Inspectorate, Pension Fund and HIF. Notice of closing the accountand fill in approved forms. Examples of forms you can find on the official sites: www.nalog.ru, www.fss.ru, www.pfrf.ru in the sections information for the taxpayer and for the employer. Don't forget to report on closing of accountand those of your partners, because the details of your accountas specified in the contracts, in order to avoid further incorrect payments to a non-existent account.
4
For the late notification of the closure of RAscoretion scoreand the tax Inspectorate, social insurance Fund and Pension Fund legislation stipulates liability in the form of imposing a fine of 1,000 rubles.
Note
The notification period for the closure of the accounts of the funds and the tax office is 7 days. It is safer to consider the period from the date of transfer of your statement on the closure of the Bank account.
Useful advice
To your cooperation with the Bank had long-term, when choosing a Bank to service your account, pay attention to the requirements for payment orders and terms of transfer of funds. This will allow you to avoid difficulties and troubles with payments to contractors, and the transfer of funds to you.

Advice 3: As an LLC to close Bank account

The managers may at any time close the account in one Bank and open another. This procedure does not take much time, but to do so, you will have to fill out some paperwork.
As an LLC to close Bank account
Instruction
1
First and foremost you need to formulate a reason that pushed you to this action. This may be a re-registration, liquidation of the organization or dissatisfaction in the service of the Bank.
2
If your organization has multiple founders, the question of the closing of the current account is decided at a meeting of shareholders (participants) of the company. A decision is made in the form of a Protocol.
3
Contact the servicing Bank. Tell us about your intentions and ask them to provide a statement and a sample of his fill. Note that the document must fill out the employee who has the right of first signature (head). Here you need to specify the contract number, Bank details and the reason for the account closure. If you have a checkbook in the statement specify that it shall be returned, and list the numbers of unused checks.
4
If your checking account has a certain amount, list it on another account or remove with a checkbook. In the first case, you need to issue a payment order in payment purpose indicate: "Transfer of funds" (the amount must be specified without the VAT).
5
After that, take the statement, payment order and cheque book to the Bank. From this point on will be launched the procedure for closing accounts. Be sure to ask about the timing of the operation, because you will need to notify various authorities on closure of the account.
6
Once you get the notification, fill in the message on account closing (form # C-09-1). Submit it to the tax office within 7 days after the procedure. Will also notify you of the account closure of the FSS and the FIU. For this you can use the above form, and can apply for a form instance. Make all forms in duplicate, so one must remain in your hands the corresponding on.

Advice 4: How to make money at the expense of the organization

Legal entities carrying out commercial activity in Russia must have a current account. Bank accounts necessary for settlement with suppliers and buyers. Heads of organizations must submit to the Bank the proceeds received in cash, as well as other income, if the limit does not allow you to save money in the checkout. Also on the account funds can transfer counterparties.
How to make money at the expense of the organization
Instruction
1
If you are the head of the organization and want to make a certain amount of money to the account, must first justify their appearance. For example, cash received from the sale of goods. In this case, the income will be revenue. Is the Foundation you need to say to the teller at the Bank, which will issue a receipt. If funds received by the accountable person, it should be recorded in the receipt. On the basis of decorated document, the accountant will have to make a posting in accounting. All movements of funds on the current account should be documented, that is, using statements and accompanying supporting documents (payment order, receipt, warrant, etc.).
2
If the counterparty wants to add to your account funds billed for payment. In it, enter all Bank and other details (the name and address of the Bank, organization name, BIC, correspondent account, INN and KPP), and the basis of payment. This document to be optional, the buyer can Deposit money under the agreement or invoice.
3
Some organizations have multiple current accounts in different banks. To transfer money from one account to another are allowed. Let's say you decide to close one account, but there was a certain amount of money. In this case, you should contact the Bank branch with the payment order. In the document the payment should read as follows: "Transfer of own funds. Amount without VAT".
4
If the founder wants to Deposit cash into the account for free, it needs to execute the contract. If this is a material assistance in the form of a loan, the operation is also issued in the form of a contract.
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