1. In arrears, banks will charge various fees for corporate accounts, such as account management fees and online banking management fees; If your account has no money for a long time, the deduction fails, which leads to the bank in arrears restricting the use of the account;
2. If the account is not settled for a long time, banks will send statements to enterprises regularly to check the account balance. If you don't settle down for a long time, you will be restricted.
3. The account has not had any import and export transactions for a long time. Generally, those who have not received or paid for more than six months will be classified as fixed accounts, also known as long-term suspense accounts or zombie accounts.
The reason why corporate bank accounts are frozen is because once corporate accounts are frozen, funds cannot circulate normally. Money can only be entered, but not spent, which will seriously affect the sustainable operation of enterprises. If you want to know the result, you must first understand the reason. Under normal circumstances, banks have no right to freeze corporate accounts without authorization. The authorities to freeze accounts can only be people's courts, tax authorities, public security organs, auditing organs, industrial and commercial administrative organs and other relevant units. So the bank account of the enterprise is frozen, probably due to some special reasons:
1. The enterprise is still in civil litigation, and the court and procuratorate will decide to freeze the enterprise bank account according to law;
2. If the enterprise is suspected of committing a crime, such as money laundering, the government or judicial organ will freeze the enterprise account; Both of the above behaviors may be the reason why the company account is frozen. Of course, in a few cases, accounts may be frozen due to the mistakes of relevant authorities or financial disputes between enterprises and banks. So what should the financial person do if he wants to unfreeze the enterprise account? Suspension measures for bank account freezing If the account is to be unfrozen, the relevant unit can only notify the bank in writing. So as long as the problem is not solved, the account will be frozen continuously. Rules are dead and people are alive. Although the account cannot be unfrozen, there are still some suspension measures. Once the financial personnel find that the account is frozen, they should inform the relevant leaders as soon as possible, so that they can find out the reasons and come up with solutions as soon as possible. In addition, with the consent of the superior, it is necessary to inform the customer to avoid further payment into the enterprise account. If the enterprise really needs capital flow, it can negotiate cash flow or enter the personal account of the financial personnel. However, we must keep the corresponding bills to avoid tax risks again. Of course, these are all delaying tactics. The most fundamental thing is to determine the cause of freezing and solve the freezing problem completely after handling it. Besides looking for incentives, it is difficult to find a solution to freeze corporate bank accounts. Therefore, on weekdays, enterprises must regulate their own behavior, and financial personnel should also operate according to regulations, so as to reduce the risk of bank accounts being frozen.