In which bank to open an account
How to choose an account for individuals
Today the market has a huge number of banking organizations. Before opening an account in one of them it is worth considering a number of criteria, among them:
- bank reliability - the bank must be a member of the deposit insurance system and have substantial market experience;
- convenient location and a developed network of ATMs;
- list of documents for opening an account and prompt opening of an account;It is worth paying attention to the additional bank charges that the bank charges for its services (for example, for opening and maintaining an account, servicing a card, etc.).
- availability of remote account management (Internet bank or mobile bank).
Some banks as a bonus accrue interest on the balance of funds in the account.
How to choose an account for legal entities
The question of which bank to open a current account for legal entities and individual entrepreneurs is a matter of concern for many start-up entrepreneurs. In addition to the reliability of the bank, you should pay attention to a number of specific criteria.
Servicing and opening a current account is in most cases a paid procedure. Before making a decision, it is worthwhile to carefully study the rates of banks. As a rule, the larger the bank, the less favorable tariffs it offers, such financial institutions are primarily focused on large businesses.
If you are an entrepreneur, then you have the opportunity to freely dispose of their own money. Therefore, it is better to open a current account in the bank in which you have a physical account. Thanks to this, you will have the opportunity to transfer money between accounts for free online.
Significantly facilitate the work of any company can the presence of a "bank client", which allows you to make out and send bills without leaving home. Practically every bank has its own version of Internet banking today. It is necessary to evaluate its convenience, as well as security (security) based on the demo version or user feedback. A number of banks charge a subscription fee for the use and installation of the Internet Bank, others provide the opportunity to use it for free.If you expect a large turnover with one counterparty, to increase the efficiency of settlements with it, it is necessary to open a current account in the same bank.
Another important question is how much it costs to carry out one payment order, because with an active turnover, a very decent amount can be generated.
Periodically, almost every company has a need for cash. Therefore, when analyzing tariffs, you should pay attention to the cost of withdrawing money from a current account, for example, through a checkbook or a plastic card. It is also necessary to clarify the cost of depositing money to the company.
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