First, individual industrial and commercial households may or may not have enterprise accounts; This is mainly determined by the business of individual industrial and commercial households; Individual industrial and commercial households without enterprise accounts can collect money directly under the name of the operator's personal card; If the other company requests to open a company account, it can also open a company account in the bank and let the other party type in the money. After receiving the money, individual industrial and commercial households can transfer it from the enterprise account to their personal cards or withdraw it by cash check.

Second, what is a corporate account?

Corporate accounts of companies are divided into four categories: basic account, ordinary accounts, temporary accounts and special accounts. Among them, a company in basic account can only open one account. Others, such as ordinary accounts, a company can open multiple accounts according to business needs, and the number is not limited.

3. What's the difference between public revolution and private revolution?

1. Clear distinction between public and private.

The kilometer here refers to the account opened in the bank by a company, unit or organization that has obtained a business license in the name of the company (including the business license for individual operation of small hotels). Private refers to an account opened in a bank by an individual with valid personal documents, such as ID card and soldier's card.

2. Company-to-company transfer: refers to the mutual transfer between two company accounts.

3. Private transfer: refers to the transfer of money from a corporate account to a personal account. Generally speaking, companies will not transfer money to private companies. This behavior is not encouraged from the perspective of internal audit and control, or from the perspective of bank settlement.

IV. The process of opening a company account by a self-employed person is as follows:

1, confirm the bank.

Some banks have restrictions on registered capital and turnover for self-employed individuals to open corporate accounts, and different banks have different charging mechanisms for corporate accounts. This should also be chosen according to your own conditions. According to many years' experience in registering companies in Nanning, it is suggested to choose local banks or commercial banks, which have different preferential policies on handling fees.

2. Prepare materials.

Generally speaking, self-employed individuals, like companies and enterprises, need to prepare the original and photocopy of business license, the original and photocopy of the ID card of the person in charge, seal and other materials, and then go to the bank to get the application form for opening an account and the seal card.

3. Waiting for approval.

It takes about two weeks to approve the enterprise account, and the person in charge can get the original ID card and other materials after being notified by the bank.