1.3 The procedure for laying down a bank account agreement

Vіdpovіdno to zagalnyh rules about the form of the agreement of the bank account is guilty of keeping within the simple letter form (clause 1 of article 161 of the Civil Code). Nedotrimannya letter form of the contract of bank rahunka, oskіlki law established otherwise, not burdensome yogo inoperability, then, at times due to the onset of nasledki, transfer of art. 162 Civil Code. Prote analysis Art. 846 and Art. 847 of the Civil Code, as well as the norms of special banking legislation, give evidence that a bank agreement cannot be used in a formal form.

Vіdpovіdno up to paragraph 1 of Art. 846 of the Civil Code, according to the hour of laying down the bank account to the client, or the person appointed by him, the account is paid to the bank on the minds agreed by the parties. The procedure for filing a bank account with a bank is determined by banking rules. In order to draw up a certificate of rozrahunkov, current and budgetary rakhunkiv, an application is submitted to the bank for a rahunka issued in a specially inserted form, as it is signed by a clerk and a head accountant of the arkhunka’s clerk, and other documents (a document about the state registration, copies of the establishing documents signed by the register, a card is formally signet card, etc.). Rahunok is charged for a permitted letter about this letter on the client's application, which is affixed by the bank's governing body (director, president, etc.).

The legal significance of the client's statement about the bank account and the allowable write about the bank deposit according to the method of laying the bank account. In that case, if the parties sign a single document, the client’s statement about the conclusion of the contract, and the permission to write about the yoke of guilt, can be seen as a part of the party how to win the mutual obligations, which are vindicated from the laid down contract. According to the practice, which was formed in the banking system, the bank and the client lay the agreement of the bank account in the form of a single document, which is signed by both parties.

If the agreement on the bank account is laid down by way of exchange of documents, such an application with the supplement of relevant documents is an offer, tobto. put a proposition on the agreement of the bank account, and allow writing about the issue of the bank account, affixing it to the bank, then put the agreement (acceptance) on the proposition. At the same time, about those camps, they rarely talk about it (may be less for vodkritti deyakyh currency exchanges).

The rights of that obov'yazki storіn behind the bank account agreement are blamed independently on the fact that the client paid the money for the bank account. Other provisions may be prescribed by law (deposit fees are subject to Article 834 of the Civil Code, or for the sake of the parties).

Vіdpovіdno up to paragraph 2 of Art. 846 of the Civil Code, the bank shall lay down an agreement on a bank account with a client who, having entered into a proposition, entered bank accounts on the minds of the minds that have been declared by the bank for the purpose of filing accounts, which are allowed by law and established by the rules of the bank. VIN NOT the right to VIDMOVITITITH VIDKRITTI RAHUNKA, as if the VIDPOVID Operations for the Yakim was navigated by the law, setting the bank with the vision of the yoma (LICTROCE), for the vinatus Vipadkiv, if Viklikan Vidmov’s bosses were able to be able to be able to bundle the bundle acts. In the case of an unprimed bank, in the case of laying down a bank account agreement, the client may have the right to present to him the help, transfer of paragraph 4 of Art. 445 Civil Code.

Otzhe, Dogovir Bankivsky Rahuka - Tse of the letter of the ugly, it is viddovically to the minds of the Bank of the Zobov'yazuatyhakati Tu Zhakhovati introductory people on Rahunok, Vidkriti Klinta (Vistanika Danoy Rakhunk), Koshty, Viconuvati Razvynnya Kliynta about the revolution behind the rachunk (Article 845 of the Central Committee of Ukraine). Laying down the contract is the basis for submitting a bill to the client. Vіdkrittya rahunka - actual action, scho zdіysnyuєtsya on vykonannya agreement bankіvskogo rahunka. The agreement of the bank account is opened at the request of the client at the hour. For the benefit of the bank, an agreement on a bank account may be rescinded by the court at the discretion of the law. Vіn porodzhuє pravonichiy and obov'yazki kozhnoї pravovіdnosiny. Vіdpovіdno pіdstavoy obov'yazku odnієї є vykonannya іnshoy іnshoy іnshoy pravovіdnosin svoіstrychnyh zobov'yazan іn agreement. In this rank, the agreement of the bank's rahunka is a casual favor.

The procedure for laying down and maintaining a VHI insurance contract may be significant and especially in relation to other insurance contracts. How and if any insurance contract, wine is based on the insurer's application for insurance.

Voluntary medical insurance

Within the framework of VMI, contracts were laid in total 4933 in the sum of 38.6 million rubles, with the number of insured persons 7142 people, under contracts with individuals - 4869 in the sum of 20.6 million rubles, under collective agreements - 65 contracts in the sum of 18, 0 million rubles...

Voluntary insurance against unfortunate weather conditions and sickness in the Republic of Belarus

The contract of insurance by the insurer is a physical special fit on the basis of a formal application. When laid down in the insurance contract, the insurance sum is installed from the insurance sum, which is more expensive or transfers to the equivalent of 3,500 euros.

Bank deposit agreement

In addition to the laying down of the bank deposit agreement, the contribution made by the depositor to the third special depositor on behalf of the penny sum, to become the amount of the deposit. Tsya vimoga squeals out of the tієї surround.

Contract of a bank deposit: legal nature, facts of mind, order of laying and rozirvannya, vіdpovіdnіst storіn

Vіdpovіdno to st. 836 of the Central Committee of the agreement on a bank deposit may be in writing in a letter form. It is necessary to reconsider the use of the minds of a bank deposit. The agreement itself, as it was appointed more, is real ...

Agreement on banking settlement

Vіdpovіdno to zagalnyh rules about the form of the agreement, the agreement of the bank account is guilty of keeping within the simple letter form (clause 1, article 161 of the Central Committee). The agreement of a bank account cannot be confirmed in a written form. I'll take a look at that setting...

Agreement on banking settlement

Banking rules on the procedure for filing bank accounts are passed on that the client is a legal person, so that they can file bank accounts, enforce the application to the bank, signed by the chief accountant.

Agreement on banking settlement

Insurance contract: legal regulation and practical regulation

Laying down the contract is one of the most complicated and most important procedures for insurance companies. Vіd yakostі the contract bezposeredno lie obsyag, the terms and mind the insurance pay.

Credit agreement

The credit process without delay starts from the day the loan is issued. For the time being, it is important to work both as a creditor and as a potential creditor.

Management system for obov'yazkovym pension insurance in the Russian Federation

Compliance with the contract: At any time, one insured person may have more than one OPS agreement.

Insurance

The standard Agreement is placed on the basis of a written application. I will fill in the application and sign the insurer (otherwise it is a representative). It is allowed to fill in the declaration with the representative of Rosderzhstrakh with the words of the Insurer.

Cargo insurance

The main legal acts regulating insurance activities in Russia are the Law of the Russian Federation “On the organization of insurance claims before” and Chapter 48 of the RF DC. Insurance contract: understand, understand the rules of packing.

Insurance coverage

The object of the insurance interest is civil and legal liability to third (physical and legal) persons.

Insurance of the recipient of the risk

The insurance contract is subject to the provisions of the letter form. Nedotrimannya letter form tyagne for themselves nedіysnіst contract of insurance, for vynyatkom contract obov'yazkovogo sovereign insurance (Article 969 of the Central Committee).

The agreement of the bank account is practically formalized, sound, in two ways: by way of folding and signing the agreement as a single document; without a document. Validity of the bank account agreement as a single document signed by the parties means the validity of the agreement. Submission by the client of a statement about the issuance of a rahunka is an offer, and a written letter of approval to the bank is an acceptance. Such an order may be given as a visual document, and the client's statement about the release of the account. At paragraph 1 of Art. 846 of the DC of the Russian Federation it is appointed that the account may be declared not only to the client, but to his appointment. Tse means that the agreement of a bank account can be laid both on the greed of the client, and on the greed of a third individual (Article 430 of the Central Committee). In clause 2 of the article, the rule about binding the bank to put the bank account agreement on the client's behalf, for a vinnyatk vpadkіv, peredbachenih by law or established by the old bank rules.

Legislation has standards that transfer obligations to the bank to advise the client on the settlement of the contract in the first instance. According to the agreement of the bank account, the bank is required to accept and secure the depositors for the account, to pay the client (the bank account manager) the cost, to order the clients about the repayment of the money and to carry out other operations from the account. The bank can win over cash, guaranteeing the right of the client to freely dispose of these funds.

The execution of the bank account agreement is concluded by way of folding and signing the agreement as a single document. The instructions of the Central Bank of the Russian Federation were issued. In order to issue a rozrachunk, in-line or budgetary account, you should submit the following documents to the bank: an application for voucher, a copy of the decision on the organization’s creation or an establishing agreement, a signature card and a signet card. Crimea, documents are submitted to the bank: about registration with a taxable authority, about registration as a payer of insurance payments on obov'yazkove medical insurance.

Yakshcho pripriєmets zdіysnyuє their activity without the establishment of a legal person, rozrahunkovy and other rahunki vіdkrivayutsya on yogo im'ya. The rahunok can also be used as a warning against the fury of the third individual. The right to be ordered by a legal entity of a physical person can be represented by a power of attorney.

Vlasnik rahunka and її the creditor has the right to include before the contract of death, giving a declaration about the direct write-off of the due sums. At the same time, the payer of the goiter needs to send a letter to the bank about what I think about my income on such a write-off.

At the contract on the rozrakhunkovo-cash service, the service is transferred to both parties for the non-conformity of taking wine from the goiter. For example, the bank claims for untimely chi incorrectly debiting money from the client's account and securing by the bank sums due to the client.

The client bears responsibility for the authenticity of the documents that are submitted for review and management of the operations of any person; for the recent cash forecast for the future quarter; violation of the terms of payment for services given by the bank; for non-refundable preparations, booked by the bank for a new one per day, appointments with the applicant, then.

The agreement fixes the amount of fines for skin damage from transferred injuries as from one side, and from the other side. At the contract, the order of resolution of disputes is transferred, the terms yoga di and especially chi dodatkovі mind.

1.4 art. 845 of the Civil Code of the Russian Federation (further DK RF)) that client The client behind this agreement can be a physical legal person, prote regime of bank accounts, which are different types of subjects, different. Primirom, legal persons are not told in line, but the families of legal persons who are bulky, as they may have an accepting status, are rozrahunkovy rahunki. The form of the agreement of the bank account This agreement is laid down in a letter form signed by a single document or by the client submitting an application for the application of a legal letter to the bank. Compliant with the norms of Chapter 2 Instructions to the Bank of Russia dated 14.09.2006 N 28-І

“About filing and closing bank accounts, accounts for deposits (deposits)”

Banks declare in the currencies of the Russian Federation and foreign currencies such types of banking accounts: - Accounts of trust management; - Special banking cabinets; - Depository documents of courts, pdrozdilіv of the service of ship's bailiffs, law enforcement agencies, notaries; - Rahunki on contributions (deposits). Visnovok to the bank account agreement When the bank account is laid down in the bank account agreement, the client, or the person appointed by him, is charged to the bank on the minds of the parties. The bank of claims shall lay down the agreement of the bank account with the client, who has entered into the proposition of entering the accounts on the bank’s naked banks for the purpose of arranging the accounts in the minds of the mind, which is to be confirmed by the law, which has been established by the law and established by the new bank rules. The bank is not for the right to VIDMOVITI of VIDKRITTI RAHUNKI, the exposure of the VIDPOVID Operations for the Yakim was navigated by the law, by the documents by the bank, we can see the yoma (LICTROCE), for the vinatus of Vipadkiv, if Viklikana Viklikan is in the laws of the bank. . At the time of non-primed treatment to the bank, in accordance with the arrangements for the bank account agreement, the client may present the right to show his help, referred to in paragraph 4 of Article 445 of the Code.

Understanding and agreeing to the bank agreement

Chapter 1

necessary for the identification of the client and the representative of the client. Vidpovly, to the paragraph of another paragraph 5.2 Statt 7 Federal Law No. 115-ФЗ for the Naya Pydozr about those, Sho Metoy Vidkritte Rahuka є Zdiisnnye operations of the Legaliza (vidmivanny) income, abstinnia of Terorism, lending to the Terorism. looking at the power of the obviousness for the vidmovy at the agreement of the rahunka of a dubious mind. The client may be charged a bill of rahunkiv from one contract of rahunki of a similar type, as it was transferred by the contract, laid down between the bank and the client. 1.3.

No. 1307/10); 2) all necessary documents have been received (clauses 1.2, 1.5); So, for the filing of a rozrahunka rahunka of a legal entity, created in accordance with the legislation of the Russian Federation, the following is submitted to the bank: a certificate of state registration; - seen licenses (allowed), as if stench may be uninterrupted before the legal capacity of the client to lay down an agreement on a bank account of a similar type (for example, you cannot but a correspondent account of a legal person, as there are no bank licenses for a legal bank operator); - a card with signatures and a signet (hereinafter - a card); - documents confirming the renewal of the tax credits, assigned to the cards, for ordering penny coins (and for the obviousness of the guardianship of the bank account agreement - documents that confirm the renewal of the tax credits, yak may have the right to win an analogue of the handwritten signature); - Documents confirming the renewal of a mono-special vikonavchogo body; - Certificate of registration with a taxable authority, or a document that is seen as a taxable authority in established cases with a method of acknowledgment of a bank account (p.

Admission to the Rules is due to be executed (submitted to the Bank) by one of the following letter documents: “Apply for the approval of the Rahunka”, which is submitted at once from the documents transferred for the admission of the Rahunka to the confirmation of the transfer approved by the Bank (if a new Rahunka is admitted to the Bank); “Please come to the Rules” (for the presence of the Client in order to the bank agreement(s) and the bank account to come to the Rules) – Addendum 1 to the Rules. To fit the contract and the bank account clearance Client (legal person) Application for the bank account card; Card with signatures and seals (Form No. 0401026).

Agreement on a loan, bank account and card - zmіshaniya agreement

Therefore, the bank account is not a bank account, it is a bank account, serving some kind of contraction of the commission is rightful. As a matter of fact, from the application-questionnaire of the applicant for the issue of a credit card to Tinkoff Bank, it will not help the bank to place an agreement with it on the issue and servicing of a credit card on the minds, established by the proposition, within the framework of which bank to issue a credit card on it and install it .

Notarial copies of certificates are needed when applying for housing, as well as when withdrawing a mortgage loan. Krok 2. After the removal of notarized copies of the notarial copy, the clerk of the housing certificate is obliged to give the Bank the money for the provision of the housing accom- modation , or for the cost of rebuying the magistrate of the housing certificate for arranging the contract and entering the bank account. The social payment is due to the owner of the living certificate at the unprepared form by means of securing funds from the federal budget for the bank account of the holder of the living certificate, which is awarded to the approved bank.

Portal Lawyer - Your success in learning and working!

The appointment of obov'yazki can be realized only by way of laying the organization with the bank to the bank account agreement. For those who live in the community, among those who are engaged in business activities, it is not established to carry out obov'yazok only in an unprepared order. Businesses can set up at their cash desks within the limits set by the bank regulations for the weather with the businessmen, and goiters can give the bank all the bills over the set limits for overstocking at the cash desk in the order of the bank, depending on the weather. Organizations and communities, as they are engaged in business activities, toil the right to open accounts in any bank for the purpose of their care (registration) or in any other bank.

Lecture 10

d. in fallow land due to the nature of the operations that are carried out for them. Also, these accounts are subject to the procedure of their approval and the rules of the current banking operations. The parties to the bank account agreement are the bank and the client.

On the banks of the bank you can act like a bank, so you can establish that they took away the license for the presentation of national rules and recognition by legal persons, who were given the right to earn money for legal and physical reasons, and for their own name, transfer them on the minds of the payment as well as zdіysnyuvati іnshі bankіvskiі operationsії.

Non-denominated rubles. Piznishe, March 3, 1997 This decision was recognized as such that it has expired 2 and clearly up to Art. 34 and 35 Law

"About the Central Bank of the Russian Federation (Bank of Russia)"

the functions of organizing the preparation of a penny tax and carrying out a penny-credit policy, the establishment of a boundary limit for the rozrahunkіvkoy between legal persons, was submitted to the Bank of Russia until renewal.

Wash the bank deposit agreement and the bank account: what should you pay attention to?

The Central Committee of Ukraine establishes rules on the protection of banking secrets. Informational statements, which to establish banking secrecy, can be given without intermediary to clients or their representatives. Sovereign bodies and landlords and persons can be pressed only in cases and in order, transferred by federal law. At the time of the announcement of these statements, the depositor, the rights of which have been violated, may have the right to exercise the compensation of the bank's managers. The bank can win money, which is on the account of the depositor, guaranteeing him the right to order without transferring the money.

Agreement on banking settlement

The bank of goiters should lay down the agreement of the banking rahunka, be it special, as it turned up to the new proposition, which will be shown by the blinded bank to the minds of the rakhunkiv of the same mind, the law and the banking rules. Under the TSOMO Bank, the right to vіdmovita is at Vidkritt Rahunka, the Zdiisennya Operations for Yakim was nervous by the law, with the documents of the Bank of the Yogo Lіssіyu, for the venom of the vipadkiv, if Vidmova is Zumolnostya at the bank of the other or other legal acts.

The agreement is being met in a simple letter form. As a rule, the bank and the client put a single agreement on the banking settlement, although the legislation allows for the possibility of laying down such an agreement offer way(submission of an application and other documents for the bank account) and acceptance(let me write a letter to the bank).

Advice to the client the bank has no right to the bank account, the crime of vipadkiv, if such a viklikan is allowed to accept the bank service in the bank allowed by law and other legal acts.

For registration of bank statements the client submits the following documents:

– an application for the issuance of a rakhunka, signed by a clerk and the head accountant of the rakhunka;

- a document (certificate) about the state registration of an organization (enterprise, establish);

– a copy of a duly certified statute (regulation);

- a card with signs of signatures and a badge of a signet.

The above-mentioned documents are collected from the right of registration of the account - the legal certificate of the client (the signature of the bank card and the seal that is taken from the special card reader).

Goiter Bank peredbacheni for rachunkіv tskogo mind by law, established by the new banking rules and stagnating in banking practice related to business turnover, as the contract of bank account is not transferred otherwise.

Basic operations, what is charged for the bank account, є:

- Zarakhuvannya on the client's account penny koshtіv, scho to come;

- Written off from the client's account of penny sums. The write-off of expenses from the account is charged by the bank depending on the order of the client, according to your needs. Without customer order write-offs of penny koshtіv, which are on the account, are allowed for the decisions of the court, as well as in cases, established by law or transferred by agreement between the bank and the client.

For the presence on the account of the expenses, the amount of which is sufficient for the satisfaction of all of them, presented to the account, the write-off of these expenses from the account is taken in order of the order of the order of the order of the client and other documents for the write-off ( calendar callousness), unless otherwise authorized by law.

In case of lack of cats for a rahunka Satisfied with all the presentations of something new, it was possible to write off the koshtіv zdіysnyuєtsya at the onset of blackness:

- we are charged with writing off for vikonavchimi documents, so that they can transfer money or see the koshtіv z rahunka for satisfaction, it was possible for the child to be happy, for the health of life, and also for the payment of alimony;

- at a friend’s place, write-offs are carried out for documents, which are transferred to the refurbishment, or to see the money for the rozrakhunkiv from the payment of additional assistance, from the payment of the winery for the author’s contract;

- at the third place, write-offs for payment documents are transferred, which they transfer to the type of funds for rozrakhunkivs to pay for the work with persons, which is worked out for an employment contract, and also how to pay to state-funded funds.

A credit institution, earning money from the investment of time, accumulating significant capital gains. In order to spread the money, one of the most important passive banking operations is victorious - the execution of that bank account.

Banking Rahunok – form of mediation of funds accepted by the bank from the deposit.

Under the agreement of the bank account bank of goiters to accept and zarakhovuvat the insurers on the account, to the client (the hairdresser of the account), to the cost, to entrust the order of the client about reparation and to the witness of the sums of money from the account and to carry out other operations from the account.

Bank you can vicorist apply for cash, guaranteeing the right of the client to freely dispose of them. The bank does not have the right to appoint and control directly the choice of the client's funds and establish them otherwise by law and by the agreement of the banking settlement of the obmezhennia and the right to dispose of a penny on the authority's court.

The agreement of the bank account is being laid in a simple letter form(Clause 1, Article 161 of the Civil Code of the Russian Federation). As a rule, the bank and the client put single agreement bank deposit and bank account. Legislation on banks and banking activity allows for the possibility of laying down a bank account agreement offer(submission of an application and other documents for the bank account) and acceptance(let me write a letter to the bank).

Banking agreement consensual, bilateral goiter, lingering, paid. According to the rule of thumb, the agreement of the bank account is non-stringing, if the parties are entitled to agree on the terms of the contract.

Parties to the agreement є:

- bankas a credit institution, a declaration of the conduct of banking transactions as recorded in the license for banking operations;

- client, how to act as a legal person, individual entrepreneur, physical person.

When submitting a bank account, the client submits a package of documents required by the credit organization for the implementation of bank account transactions. Substitute for vodkrittya rahunka serve as an application, signed by a client - a physical person, or a clerk and head accountant of a client - a legal person.

legal entities that IP is given to a credit organization:

Certificate of state registration;

Vityag from the unified state register of legal entities or the unified state register of individual enterprises;

Notarized copies of the establishing documents;

Certificate of registration at the taxable body;

A card with signatures and a signet;

Documents (protocols of outrageous gatherings, decision of the principal, punishment for confession), which confirm the renewal of the rules, the renewal of the order of the money for the account (as a rule, the general director and the head accountant of the legal entity).

The documents are folded by the clerk of the rahunki the basis of banking information client, which is conducted by a credit organization. Okremo, in specialized file cabinets, cards are saved, so that signs of signatures and signets can be removed.

When laying the bank account agreement, the credit organization and the client accept a number of rights and obov'yazkiv, warehouse zmist agreement. Vlasnik rahunka, as in the bank deposit agreement, as an economically weak side, that was the hour of laying the main binding agreement on the credit organization. Client goitre to dorimuvatisi before formal legislation in order to execute the bank account, according to the law, bank rules regarding the order of carrying out unprepared rozrakhunkiv and execution of rozrahunkovy documents; and also secure your own payment of services to the bank in order to carry out operations for pennies, which are on the rahunka (in the case of transactions, transferred by contract). The client does not need to choose the form of unprepared rozrachunkiv, which is the most suitable for his interests; nі kіlkostі bankіvskih rachunkіv (rozrahunkovyh, depositnyh іnshih), vіdkritіh yakіy kіy currency.

The bank has the right to charge credit to the bank account of the client (Article 853 of the Central Committee of Ukraine).

The bank wants to accept the client's money from his bank account; enter the account of the client (deposit on the bank account of the client penny sums, which are suitable for the new one, that write-off of the money from the account on the basis of the order of the client); in due time, it is correct to carry out the rozrahunkovo-cash transactions for the client’s instructions, dotrimuyuchis when established by law, contract, banking rules, and depending on the business turnover, we help you about the procedure for that line of payments. It is significant that in case of such operations, the debited funds are deposited by the bank at the lines no later than the operational day following the day when the bank receives a valid payment document. Zdiisnyuyuchi rozrahunkovo-cash operations, credit organization goiter zberigati bankovsku taєmnitsyu about rahunka that operation for rakhunkom client vіdpovіdno up to paragraph 1 of Art. 857 part 2 of the Central Committee of Ukraine, art. 26 of the Federal Law "On banks and banking activity".

Advice to the client the bank has no right, if the reason is the impossibility of accepting the client’s money, the bank has no rights, if the reason for this is the impossibility of accepting the client’s money, which is allowed by legal acts.

One of the hundred minds of the bank account agreement is the payment of money to the client by the bank for a penny, which is for the account. According to the rule of thumb, the amount of money is secured on the account at the line, transferred by the contract.

Under the bank account agreement, you can get:

- accumulated vіdsotki for passive operations to the bank (for operations related to the received penny koshtіv) - vodsotki, nelezhnі to pay clients to the bank for the money they have received in the first place and yakі to be insured for the rahunka in the form of goiter to the bank to pay the vodsotkіv;

- paid bills for passive operations to the bank - credits, insured on accounts of clients to the bank (repayment, in-line), paid in accordance with the established procedure with cash to the bank, written off from the correspondent account of the depositing bank, insured on the correspondent accounts of the creditor bank;

- stitching the goiter to the bank how much you need to pay(Stitched to the bank) - vodsotki, narakhovanі bank pozachalnika for zaluchenimi koshta on the cost of legal osіb, including banks, but not paid after the date of the line established by the agreement, or after the date of transfer of the contract to the goiter.

Narahuvannya vіdsotkіv mozhe zdіysnyuvatisya one of the chotirioh ways vidpovіdno to the minds of the contract: for the formulas of simple or folding vіdsotkіv; with fixed and floating interest rates. If there are no agreements on the method of accrual of income, then the accrual is based on the formula of simple income at a fixed interest rate. For rozrahuvannі vіdsotkіv priymayutsya value of vіdsotkovoї rates (for vіdsotkіh rіchnyh) that is actually the number of calendar days, on yak oshshti. Бухгалтерський облік операцій з віднесення сум нарахованих відсотків здійснюється «касовим» (віднесення банком-позичальником нарахованих за залученими коштами відсотків на здійснення відповідних бухгалтерських проводок здійснюється на дату їх сплати) методом або методом «нарахувань» (усі відсотки, нараховані у поточному місяці пізніше останнього робочого the days of the current month are seen before the bank visits).

In case of closing of bank accounts of bank customers, the amount of money paid for the received coins is paid until the date of the actual closing of the transfer of the account, inclusive; surplus for a bank account at the same time to become a sum of a surplus of penny koshtiv, which is for a rahunka, that vodsotkiv, insured for a rahunok when it is closed.

Credit organization bear the promise in times of untimely or inconsistent deposit (written-off) on the client's account, not only penny dollars, which they got, but also deposited money.

The closing of the bank account is due after the closing of the bank account agreement. At the request of the clerk rahunki vin may be closed by a credit institution at an hour. From the bank's initiative an agreement on a bank account may be reopened at court order in such vipadkah:

· as a sum of pennies, which are saved for the client's account, it will appear lower for the minimum amount, transferred by banking rules or by agreement, and will not be confirmed by a month's advance from the day before the bank about it;

· otherwise, for the duration of the operation from the first day of the calendar, as otherwise not transferred by the minds of the contract.

When the bank account is closed, the excess money on the account is turned over to the client, or it is repaid to another account at the same credit organization at the request of the client. The transfer of money is guilty of buti seven working days after the confirmation of the written statement of the client; unpaid rozrachunk documents, which are rebuyed from the card file of unpaid documents from the lines of rozrahunkov documents (card file No. 2), are turned over to the drawers; the client is paid hundreds of dollars;