How to open a corporate bank account

How to open a corporate bank account? In real life, people who often work in a company generally need to open a company bank account, which makes it more convenient for us to travel. Here's how to open a company bank account.

How to open an enterprise bank account 1 First of all, there must be a certain venue, which is best consistent with the address on the business license. Then, we randomly find a bank (recommend a big bank), make an appointment by phone, and let the other party come to check whether the address is true or not. After verification, the bank staff will give a verification form belonging to the bank.

Secondly, afterwards, we went to this bank to apply for a card account with the company's official seal, corporate seal and business license. Of course, whether it is a legal person or a client. If there are shareholders, you need to apply for a shareholder ID card.

Thirdly, it takes about half an hour to apply for Gong Hu (basic deposit account). During this period, the most important thing for the agent or legal person is to stamp and seal all kinds of documents required by the bank. It is worth mentioning that when opening online banking, some banks need legal persons to set up an operator and an authorized person.

Fourth, going to the bank on the same day will not let Gong Hu step down. The bank will tell you that the account opening license needs the approval of the People's Bank of China. After getting the result, the other party will call you. Of course, relevant notification messages will also be in place.

Fifth, after the issuance of the account opening permit, we can go to the bank to get the account opening permit again with the formalities notified by the bank. Of course, each bank needs different procedures, and the bank will inform it accordingly.

Sixth, by this time, it is basically suitable for Gong Hu. Of course, some banks charge money when they open in Gong Hu, while others don't charge money when they open in Gong Hu. I hope you can open an account smoothly.

How to open a corporate bank account? Materials required for opening an enterprise bank account

1. Original business license

2. Original organization code certificate

3. Original tax registration certificate

4. Original letter of credit

5. Original account opening permit

6. Official seal, company seal and financial seal

7. Original legal person ID card and agent ID card.

8. Bring a small amount of cash, which may be needed.

Note: If you need to hang the password device, you need to bring the bank password device. There is no password to handle. All banks can use passwords.

If you need to open online banking, you need to prepare an additional set of account opening materials.

All the above documents need to be taken to the bank. In order to save account opening time, the copy can be copied in the company in advance. Some banks need employees to make copies themselves.

Second, the enterprise bank account opening process

1. First, we choose which bank to open an account in. The four major state-owned banks should be our first choice, but the procedures of banks in other places are more convenient. In fact, if you want to do foreign trade, you need to set up a foreign currency account, which is generally more reliable in China Bank.

2. Generally, companies open accounts in the enterprise window instead of the ordinary window. In the company window, we explain "opening a company account", and then the salesman will give us some documents for us to fill out. The specific operation of filling is to fill in if you can, and let the bank staff fill in if you don't understand. After filling it out, just submit it to the counter.

3. Then submit the original business license, legal person ID card and agent ID card. The counter operator will supplement the information and review and incorporate the materials. After examination, they will soon be able to open a company in basic account for you.

4. Then all kinds of materials are stamped with official seal, financial seal and name seal of legal representative. If you are not sure about the copy, you can indicate the purpose on the copy, such as "This copy is only used to open a bank account".

After receiving the application for opening an account, the bank will submit the materials to the central bank, and then wait for the approval of the central bank, and then we can get the "account opening license" and the bank account that can be used. As shown below, I got the permission to open an account. Isn't that interesting?

The first important step to register a company is to open a company account in a bank. There are two kinds of resignation accounts, one is basic account and the other is general account. Basic account must be opened by the company. You can transfer money or operate it at the counter. General accounts can only be transferred, not operated at the counter.

How to open a corporate bank account? How do banks open corporate accounts?

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

2. Under the guidance of the account manager, sign relevant documents and seal them.

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

4. Wait for the account manager to inform for evidence collection, receipt card, U shield, etc.

5. Carry out the remaining operations such as account deposit under the guidance of the account manager. Note: Generally speaking, in the process of opening an account and obtaining evidence, the legal representative must be present in person at least once.

Second, the materials needed for an enterprise to open an account

1. Original business license

2. Original organization code certificate

3, organization code IC card

4. Original national and local tax registration certificates

5. Official seal, special financial seal and company seal

6. The original ID cards of the legal person and shareholders, and the original ID card of the agent if the legal person cannot be present.

Third, the cost of opening an account in a bank.

For the fees required for opening an account, local banks have different requirements, and the general account manager will let you choose which services you need. For example, the following is the fee for opening a basic deposit account in Beijing China Construction Bank on 20/7.

Account opening fee (one-time fee is about 100)

Account maintenance fee (about 400 yuan every year)

Online banking (about 1000 per year)

Electronic receipt cabinets (about 400 per year)

Settlement cards (about 500 cards per year)

SMS Reminder (about 200 messages per year)

Cipher (one-time charge is about 100, which is used for on-site counter payment and check)

U shield (about 60 at a time)

Other services of local banks.

Four, the type of enterprise in the bank account

1, basic deposit account, basic deposit account is the main deposit account of enterprises and institutions, which mainly handles daily transfer settlement and cash receipt and payment, and the withdrawal of wages, bonuses and other cash of depositors can only be handled through this account. Opening a basic deposit account must be reported to the local people's bank for examination and approval, and an account opening permit shall be issued. The original license shall be kept by the depositor and the copy shall be kept by the bank. Enterprises and institutions can only choose one business institution of a commercial bank to open basic deposit account.

2. General deposit account A general deposit account refers to an account opened by an enterprise or institution in a bank for loans outside basic account. This account can only handle transfer settlement and cash deposit, and cannot withdraw cash.

3. Temporary deposit account A temporary deposit account refers to an account opened by an overseas temporary institution or individual economic household for temporary business activities, which can handle transfer settlement and meet the national cash management regulations.

4. The special account table takes out a certain amount of funds to facilitate management and use, so the newly opened account is called a special account, but the opening of the special account needs to be approved by the People's Bank of China.