Zhaotong Company Registration: What is the bank account opening process?

Entrepreneurs should go through the formalities of industrial and commercial registration first, and then go through the formalities of opening a bank account, which should be the most time-consuming one for small enterprises.

Bank accounts usually go through the following process:

Domestic banks are similar in services and products, and there is no essential difference. And it is impossible for a small company that has just started business to get credit from the bank immediately. Therefore, it is recommended to choose a bank with acquaintances or friends first, which is easier to handle. When opening a bank account, you may wish to consider the following points comprehensively.

1. Bank selection

It is convenient to withdraw cash and handle other business.

Although there is online banking now, most business halls can do it well, but sometimes bulk transfer and withdrawal still have to go to the bank, so the principle of proximity is adopted.

Cost problem.

Different banks have different deduction standards, including various annual fees and some transfer fees. Generally, local commercial banks charge lower fees, and there may be preferential policies.

2. Bank opening basic deposit account process

The procedures for opening an account in a new enterprise bank are as follows:

3. Materials required for bank account opening

The documents required for opening an account in the new enterprise bank are as follows:

1

An enterprise as a legal person shall issue the original business license of the enterprise as a legal person, the company seal and the original identity card of the enterprise as a legal person (the information required by different banks is different);

An unincorporated enterprise shall issue the original business license;

Private non-enterprise organizations shall issue private non-enterprise registration certificates when opening accounts in banks;

The permanent establishment in different places shall issue the approval from the competent department of the local government;

The representative offices and offices of foreign-invested enterprises in China shall issue registration certificates issued by the state registration authorities;

Individual industrial and commercial households should issue the original business license of individual industrial and commercial households when opening an account;

The residents' committee, villagers' committee and community committee shall issue the approval or certificate issued by their competent departments;

Other organizations shall issue the approval or certificate from the competent government department.

When the unit opens an account, the original and photocopy of the above documents shall be issued in duplicate.

2

The person in charge of the legal person or unit shall handle it with his/her identity certificate and photocopy. If it is entrusted to others, it shall also issue a power of attorney stamped with the official seal of the unit, and the identity certificate and photocopy of the person in charge of the legal person or unit and the bank account opening agent. The bank shall keep a copy of the power of attorney and ID card and keep them in the account opening file.

three

If the account is not opened in basic deposit account, the original and photocopy of the basic settlement account opening permit shall be provided.

4. Requirements of temporary residents

1. The temporary institution shall issue a bank account opening certificate approved by the local competent department to set up the temporary institution.

2. Temporary business activities in different places shall be issued with the original business license and the temporary business certificate approved by the administrative department for industry and commerce.

3. The construction and installation unit in different places shall issue the original business license or business license of its subordinate units, as well as the license or construction and installation contract issued by the construction and installation department.

4. The registered capital verification account shall issue a notice of pre-approval of enterprise name issued by the administrative department for industry and commerce or the approval opinions of relevant departments.

5. If it is necessary to open a bank settlement account for capital increase and capital verification, the bank account opening license of basic deposit account, resolutions of the shareholders' meeting or the board of directors and other supporting documents shall be submitted.

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