For the approved bank settlement account, the "official opening date" is the approval date of the local branch of the People's Bank of China; For an unapproved bank settlement account, the "official account opening date" is the date when the bank handles the account opening procedures for depositors; So this is wrong.
How long does it take for a bank to open a basic deposit account?
About a week.
Procedures for opening an account in basic deposit account: Please hold the business license of enterprise legal person with three certificates in one (the business license provides a unified social credit code) and the identity certificate of the legal representative/person in charge of the unit. If an account is opened by a person other than the legal representative/person in charge of the unit, a power of attorney shall be provided and the identity certificate of the handler shall be issued. According to the risk degree of the enterprise and local regulatory requirements, the bank will take necessary verification methods such as face-to-face signing for the enterprise to apply for opening a basic deposit account, and verify the enterprise's willingness to open an account with the legal representative of the enterprise or the person in charge of the unit.
Note: The above information is basic information. On this basis, all branches will provide other more detailed application materials for account opening according to local regulatory requirements. It is recommended that you contact the local business organization for detailed consultation.
The account opening bank shall review the authenticity, completeness and compliance of the account opening information submitted by depositors to the bank. Laws and regulations do not stipulate the review time. Under normal circumstances, the audit can be completed on the same day. Then report the information to the local branch of China People's Bank for account approval. The local branch of China People's Bank shall complete the examination and approval procedures within 2 working days. Therefore, the time for an enterprise to apply for an account opening license is mainly composed of the time for examination by the account opening bank, the time for data transmission and the time for examination and approval by the People's Bank of China. It takes about 2-5 working days to get an account opening permit.
Measures for the administration of RMB bank settlement accounts: Article 28 A bank shall carefully examine the authenticity, completeness and compliance of the items filled in the depositor's application for opening an account and the supporting documents. If the application for account opening is complete and meets the requirements for opening basic deposit account, temporary deposit accounts and special deposit accounts for budget units, the bank shall submit the depositor's application for account opening, relevant supporting documents and bank audit opinions and other account opening materials to the local branch of the People's Bank of China, and go through the account opening procedures after approval; In line with the conditions for opening general deposit accounts, other special deposit accounts and personal bank settlement accounts, the bank shall handle the account opening procedures within 5 working days from the date of opening the account and file with the local branch of the People's Bank of China.
Article 29 The People's Bank of China shall, within 2 working days, review the compliance of the opening materials of basic deposit account, temporary deposit accounts and special deposit accounts of budget units submitted by the bank, and approve them if they meet the opening conditions; If it does not meet the requirements for opening an account, it shall sign an opinion on the application for opening an account and return it to the bank together with relevant supporting documents.