1. A basic bank account is a bank account handled by an enterprise to meet daily and cash receipt and payment business. After the basic bank account is completed, the bank will issue an account opening license to supervise the credit and capital flow of the enterprise.
2. The general account holder of a bank is an enterprise. In order to handle transfer settlement and cash deposit business, ordinary families can't withdraw cash.
3. Temporary bank accounts are bank accounts opened by enterprises to meet temporary needs. For example, temporarily remitted funds for capital verification or funds purchased from abroad and remitted to local banks.
Second, the basic account opening process
As we all know, the company was the first to open basic deposit account, because both general accounts and temporary accounts need a basic deposit account account opening license, which is exactly what we are talking about now, so we mainly talk about the specific situation of opening basic deposit account.
1, before handling the basic account, visit as many banks as possible to compare the charges, service attitude, account opening speed and convenience of outlets of various banks. After confirming the selected bank, choose a branch near the office to facilitate future office work. Some banks can't do it on the same day and need to make an appointment in advance. When consulting at the counter, the bank staff will give a list of required materials and expenses.
2. The documents required for a newly established enterprise to open a bank account include: "original business license", "original enterprise ID card", financial seal, official seal, corporate seal, articles of association, financial personnel ID card and its copy (except corporate shareholders). If the account is opened by the manager, the ID card of the manager and the power of attorney signed by the company legal person are required.
3. Details of the bank account opening process: the bank submits the certificate-the customer truthfully fills in the application form for opening the unit bank settlement account and seals it. -The management agreement of RMB corporate bank settlement account that the bank should sign with the depositor, with each bank holding one copy.-Fill in the Registration Form of Associated Enterprises.-The following banks submit it to the People's Bank for approval.-After the People's Bank approves and issues the account opening license, the general bank will hand over the original account opening license, password and account opening application form to the customer for signature.
Three. Information, procedures and fees required for opening accounts in major banks (for reference only, not as the basis for bank charges)
China Merchants Bank (95555)
Materials required:
1) business license
2) Original ID card of the legal representative
3) If the legal representative cannot go in person, a written power of attorney and the original ID card of the agent shall be issued.
Official seal, financial seal and name seal (the name seal reserved for opening an account shall be the name seal of the legal representative or other name seals authorized by the legal person).
4) Articles of Association (if the shareholder is a legal person, the original and photocopy of the business license of corporate shareholders shall be provided).
Note: 1, if the legal representative can't come to the site in person, the legal representative needs to answer the phone in person to confirm.
2. At present, China Merchants Bank has different degrees of package preferential activities to open an account in the new management bank, and the maximum package can be reduced by more than 1 1,000 yuan.
5) Cost:
Account opening fee: 300 yuan
The average daily deposit in the account is less than 654.38 million, and the 50 yuan small account management fee is charged every month.
Open the online banking function, and charge 50 yuan monthly fee every month.
Digital certificate card: 70 yuan
Bank of Communications (95559)
Materials required:
1) First, the staff will conduct on-site verification of the company's account opening (the verification contents include the legal representative and business premises, etc. ).
2) Original business license, official seal, financial seal, personal name seal and legal representative's ID card.
3) Cost:
Account opening fee: 150 yuan.
Youdun: 70 yuan/each.
Annual fee of Youdun: 50 yuan/year.
Online banking usage fee: 2 online banking accounts in 300 yuan/year.
Minsheng Bank (95568)
Materials required:
1) Business license/official seal, financial seal, name seal, original ID card of legal representative, original ID card of financial controller and its copy.
Note: The legal representative must come in person.
Cost (Shanghai):
One-time charge 300 yuan,
Account opening fee 200
Password: 100
No longer charge any fees outside.
China Everbright Bank (95595)
Materials required:
1) Business license, original and photocopy of ID card of legal representative, original ID card of investor (shareholder), official seal, financial seal, name seal and official seal.
2) If the legal representative cannot attend the business in person, a written power of attorney and an agent's ID card shall be issued.
3) Original Articles of Association
Original ID cards of the chief financial officer and the financial handling personnel.
Cost:
Password 108 yuan net
350 yuan in the first year of silver and 300 yuan every year after the second year.
Bank of Beijing (95526)
Materials required:
1) First of all, Bank of Beijing will conduct appropriate on-site (appropriate contents include business address, legal person, etc. ) to review the enterprises applying for bank account opening, and after the approval, they shall provide:
Original business license and legal representative's ID card
2) If the legal representative cannot attend in person, a written power of attorney shall be issued.
3) Official seal, financial seal and name seal
Cost:
Account opening fee: 200 yuan
Password: 420 yuan
Online banking fee: 280/ year
Note: If the average daily account balance is less than 654.38+ 10,000 yuan, the account management fee of 654.38+050 yuan/quarter will be charged.
China Construction Bank (95533)
Materials required:
1) Original business license, original ID card of legal representative, official seal, financial seal, corporate seal (official seal) and name seal.
2) If the legal representative does not go in person, a power of attorney and the original ID card of the agent shall be issued.
Cost:
The account opening fee is 300 yuan
Annual fee 360
Online banking fee per year 1200.
In addition, China Construction Bank also provides a new account opening package service for newly registered companies, with an annual fee of 1480.
Industrial and Commercial Bank of China (95588)
Materials required:
1) Original business license, articles of association and original shareholder ID card (here refers to the shareholder who contributed the most when the company was established).
2) Housing lease contract (if the property right is personal, a copy of the landlord's ID card and a copy of the household registration book are required).
3) Company's financial seal, corporate seal (official seal) and name seal.
4) Original ID card of the legal representative
5) Original ID card of the agent
Note: If the legal representative can't attend in person, you need to call the legal representative for verification.
Cost:
Account opening fee: 300 yuan
Collection counter: 360/ year
Talent card: 10 yuan
Excellent meal: 200 yuan/year +55 yuan excellent meal fee.
note:
1, if the average daily account balance of newly registered users is less than 500,000 yuan, ICBC will charge 90 yuan/quarterly small account management fee. 2. At present, ICBC will provide a one-time package service for newly registered enterprises to open bank accounts, and the package fee is 7 10 yuan.
Industrial Bank (9556 1)
Materials required:
1) Original and photocopy of business license
(two) unified social credit code instructions.
3) Original ID cards of legal representative and agent
4) Official seal, financial seal and name seal
5) notice of engraving
6) Printed cards
Cost:
Account opening fee: 300 yuan
Online banking fee: 100 yuan
Collection counter: 100 yuan
Ciphertext: 3 10 yuan
Note: If the average daily account balance is less than 30,000 yuan, the 60 yuan/quarterly small account management fee will be charged, and three transactions with more than 30,000 yuan will be completed within one year, and the small account management fee will be exempted.
Agricultural Bank of China (95599)
Materials required:
1) business license
2) Original ID card of the legal representative
3) If the legal representative cannot attend in person, a written power of attorney shall be issued.
4) Original ID card of the agent
5) Original and photocopy of the business premises lease contract
6) Official seal, financial seal and name seal
Note: ABC will conduct on-site confirmation of the newly established corporate bank's account opening customers (the confirmation content includes the legal representative's autograph and photos).
Cost:
Account opening fee: 300 yuan
Annual fee for online banking: 200 yuan
SMS Tip: 50 yuan/Month/Day.
Receipt cabinet: 300 yuan
SMS service per call: 30 yuan/month
Password: 75 yuan/piece.
Account management fee: 90 yuan/quarter.
Note: If the average daily account balance is less than 50,000 yuan, the 50 yuan/quarterly small account management fee will be charged.