2. The legal person shall complete the submission of information content according to the process of handling the legal person account by the bank, and complete the account handling according to the tips of the staff.
Type of company account:
As the name implies, a company bank account refers to an account opened in a bank in the name of the company. Under normal circumstances, banks will open company accounts to provide services for companies. Opening a company account helps to settle the company's funds and provides convenience for the company's future business development.
Generally speaking, corporate accounts are divided into four categories: basic account, general accounts, temporary accounts and special accounts. In general, the company mainly uses basic account. Let's talk about the opening and closing of this account in detail.
Open basic account:
Basic account is a bank settlement account opened by depositors for daily transfer settlement and cash receipt and payment. Moreover, an enterprise or institution can only open a basic account in one bank. Depositors can only withdraw wages, bonuses and other cash through basic account.
First of all, you need to prepare the necessary information, such as the original business license, legal person ID card, account opening application materials and power of attorney. Official seal, financial seal and company seal are essential. Secondly, we should understand the bank policy, such as the cost and necessary conditions of opening an account.
Then know the opening time. At present, it takes 15 to 30 days to open an account in a bank, so companies that need to open an account urgently need to make an appointment in advance and finally wait for the notice from the bank. In the process of opening a basic account, the handling personnel need to hand over the information they carry to the relevant business personnel, who will handle it for you personally.
Basic account withdrew:
When the company closes down or has a new choice to cancel its account, the materials that need to be brought together include: account opening permit, cheque, account cancellation application, seal card, legal person ID card, and Notice of Enterprise Cancellation issued by the Industrial and Commercial Bureau. When a general company cancels, the cashier will handle it on its behalf, so it is necessary for the cashier to provide the original ID card, two copies with official seal and the power of attorney of the legal person.
It will take about three to five days for the bank staff to handle it for you. In addition, the remaining funds should be taken out and transferred to the company's account with the same name. According to the process, basic account is the last account to be cancelled. Therefore, when canceling corporate accounts, it is necessary to cancel other accounts first, transfer funds to basic account, and finally go through cancellation procedures.