Advice 1: How to find out about applying for a savings account

Quite often, Bank customers expect that on an open account money will come. Most people don't have to think about it as connected to the service SMS-informing on all operations on the account. But how do you know about the flow of money into traditional passbook?
How to find out about applying for a savings account
Instruction
1
The ability to monitor the status of the account online (Internet banking), and to receive notification of account transactions on the phone (Mobile banking), unfortunately, not available to owners of passbooks. So, to those who decorated the savings book, there is only one way to learn about the balance sheet, income and expenditure. Naturally, this is the walk to the offices of the savings Bank in which the book was open. Therefore, unlike holders of plastic cards to the holders of passbooks this service available only in the mode of operation of the Bank.
2
Bring your passport or identity card and, in fact, the very savings account. Most of the offices of the savings Bank currently stocked devices of electronic queue. At the entrance to the Bank terminals are where you need to select the desired menu item and get the voucher.
3
Worker the operating room present your passbook and ID. After that your passbook will pass through the printer, and you will be able to see those transactions (with dates) that have occurred since your last visit to the Bank. Debit transactions are shown as numbers with the sign "minus", and in credit operations, unfortunately, it is impossible to see the sender's name.
4
No doubt, the savings Bank, as a distinctive product of the savings Bank, will exist for a long time, however the inconvenience of its use, compared to other products of the Bank ever will reduce the audience holders.
Note
Some time ago in the savings Bank decided that the passbook thing of the past, in particular, in view of its attachment to a specific account, and tried to replace it with a contribution "Savings account". But then I was surprised because even the young people, the target audience of the savings Bank on innovative products, chose to open a savings account and not current account with an associated card. May be because tax inspections recommended that the open savings book on which students can receive a tax deduction for training. Maybe because of the comparability of the concepts of "savings Bank" and "stability".

Advice 2: How to open a savings account

Passbook is most often used for enumeration linked to a Bank account of various benefits from the state: unemployment benefits, child etc., pensions (although in this case there are other options), etc. the Furnishing of this document does this, except that I have to stand in a queue in the branch of Sberbank.
How to open a savings account
You will need
  • - passport;
  • the money for the down payment (10 p.);
  • - fountain pen.
Instruction
1
Choose the most convenient branch of the savings Bank of the Russian Federation. In some cases options may be limited by the list proposed to you in the organization, from which you expect payment (e.g., employment centre). In this case, will have to settle for those that are in the list, which will give you in the appropriate state structure.
Rate, what branch you prefer to visit based on your employment and hours of work, if there is a lot of people usually whether there is an electronic queue, etc., and make a decision according to the situation.
2
Contact working time to the operator the selected compartment. Notify us of your desire to have the savings account and the purpose for which it is doing. For example, to receive benefits for whatever reason. The operator on the basis of this information offers the best banking service.
The fee for such accounts, the Bank does not take, by contrast, charges a percentage, albeit symbolic, to balance them at year-end.
3
Read and sign all required fields, complete the documents that you will be given a teller. Give him the completed set, together with the passport.
4
Mandatory conditions for opening savings account - minimum fee tied her Bank account. He is 10 R. if you wish you can make more - as long as you want.
State out loud the amount of the minimum fee that would make.
In most cases, money will be the teller but in some offices can send you to the cashier. In this case, the operator needs to do in the savings Bank mark about the first installment and give it to you. The cashier give you a passport, passbook and money for a down payment. Get your documents back along with the receipt.
5
When you receive a passbook, take the operator details of the branch. They need, if the owner is open to social benefits. Your account number is listed on the cover page of passbook. Usually from the appropriate government Agency you will be required its a photocopy or the original, which will make a copy for yourself.
Note
SBA may also need to return taxes at the tax deductions, payments to bailiffs in connection with judicial decisions in your favor and some other purposes.

Advice 3: How to restore the savings Bank

If the design of a product in Sberbank of Russia (loans, deposits and current account) you have been issued a savings account, this document is required for your identification, a passport is not enough. Therefore, the lost or damaged passbook should be restored. Please contact the issuing Bank with your passport and the contract on banking product for which it is issued.
How to restore the savings Bank
You will need
  • - passport;
  • - the contract of Bank product (Deposit, account or credit - depending on the situation);
  • statement free form or in the form of the Bank.
Instruction
1
Identification in the system "Sberbank Online", if you are a user.
2
Open the menu application and select the version of the statement on issue of the duplicate passbook, fill it out and pass on execution to the Bank.
3
If you wish, write a statement about issuance of duplicate passbook in any form. Enter the name and number of the Bank branch, which was opened passbook, the surname, a name, a patronymic, passport details and residential address, banking product, which is tied to a savings account, the output of the contract provision of banking services, the name of the Deposit, account or credit, the request to restore the savings account and the reason (in connection with the loss or reduction in disrepair) and sign it. However, the statement you can write directly in the Bank, so this step can be skipped.
4
Visit the Bank with your passport and the agreement relating to Bank product saving account at which you need to recover.
5
Tell the operator about his desire to get a duplicate passbook by reason of loss or damage of the original.
6
Show the teller your passport and the contract.
7
Write an application in any form or proposed by the representative form if you did not submit it through the "Sberbank Online", and not written before the visit to the Bank.
8
Pay service on tariffs of the Bank directly to the teller or to the cashier of the Department.
9
You will receive a duplicate passbook.
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