I. Types of corporate bank accounts
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 and a credit institution code certificate 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.
An enterprise can only handle basic deposit account in one bank. An enterprise can handle multiple ordinary households and temporary households. Basic and temporary households can access cash, while ordinary households can only transfer money to access cash, not withdraw cash. The average family wants to withdraw cash, and can only withdraw it by transferring it to other corporate bank accounts. A bank's temporary account is an account opened to cope with temporary business. After this business is completed, the temporary account will be cancelled and the remaining funds will be remitted to other bank accounts of the enterprise.
Second, how to choose a bank?
Enterprises generally choose to open accounts in big banks. Now there are four common banks, namely China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank. Because you can only choose one basic account, you can know which bank is close to the company and which bank is more efficient before handling it, because after the company is established, there will be a lot of corporate business and you will often run the bank, so being close can save time and financial resources.
Three. Materials required for opening an ordinary account
1. Original and photocopy of basic account account opening permit.
2. Original and photocopy of business license
3. Original and photocopy of organization code certificate
4. Original and photocopy of tax registration certificate
5. Original and photocopy of the ID card of the legal representative
6. Original and photocopy of the agent's ID card.
7. Customer certificate of company account opening (power of attorney)
8. Official seal, financial seal and private seal of the company as a legal person or other personnel.
9. Other materials required by the local bank.
Fourth, temporary account opening.
Temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within a specified period of time. When it is necessary for temporary business activities in different places, you can apply for opening a temporary deposit account in different places for the receipt and payment of funds.
In any of the following circumstances, the depositor may apply for opening a temporary deposit account
1. Set up temporary institutions such as engineering headquarters, preparatory leading group and film crew.
2 construction and installation units and other temporary business activities in different places.
3. Capital verification of registered capital (temporary deposit account for capital verification of registered capital will only be paid during the capital verification period).
4. Overseas institutions (including Hong Kong, Macao and Taiwan) engage in business activities in China.
If the depositor is a temporary institution, he can only open a temporary deposit account at his domicile, and may not open other bank settlement accounts; Depositors engaged in temporary activities in different places can only open a temporary deposit account at their temporary activities; If a construction and installation enterprise undertakes multiple projects in different places at the same time, it may open a temporary deposit account that does not exceed the number of project contracts according to the construction and installation contract.