first, the key point is that the amount of funds of self-employed individuals is very small, and most banks are closed to companies with a registered capital of 1.2 million yuan. If the average daily balance can be guaranteed to be more than 5,, there will definitely be banks smiling. Nowadays, banks are too poor to love the rich! In view of this practical problem, we can find a small bank to try.

2. How to open a corporate bank account:

1. To open a corporate bank account, you need to provide the original business license, the original and photocopy of the legal representative's ID card and official seal. If the legal representative does not go to the bank to open an account himself, you need to provide the original and photocopy of the agent's ID card, and at the same time, the legal representative should issue a power of attorney to authorize the agent to go to the bank to open an account.

2. Bank of deposit: ICBC, Agricultural Bank of China and China Merchants Bank.

3. Address requirements: ICBC requires that the address on the business license must be its real address.

4. Requirements for opening an account: When a legal person goes to the bank in person, he must bring all the information for opening an account on time.

5. Account opening information: original and duplicate of business license, public, private, financial and tax payment instructions, and ID cards of legal persons and assistants.

6. Deposit requirements: ICBC does not need to deposit (it can be withdrawn overnight after 5w of running water), while ABC and China Merchants Bank require 2w of deposit.

3. Corporate accounts:

1. Corporate accounts, that is, corporate bank settlement accounts, are accounts that handle settlement business for corporate legal persons, non-corporate legal persons and individual industrial and commercial households, which can effectively guarantee the safety of funds.

2. Corporate accounts are divided into basic deposit account, general accounts, temporary accounts and special accounts. A company in basic deposit account can only open one. Others, such as general accounts, a company can open multiple accounts according to business needs, and there is no limit on the number. According to the account management regulations of the People's Bank of China, an enterprise can only open one basic deposit account, but it can open multiple general accounts. If another account can be withdrawn, and the funder has a certain special purpose, then you can apply for a special account in this bank and you can also withdraw money.

3. Types of accounts included:

1) Basic deposits

basic account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment. An enterprise or institution can only open a basic account in one bank. The withdrawal of depositors' wages, bonuses and other cash can only be handled through basic deposit account.

2) General deposit

A general deposit account is a bank settlement account opened by a depositor in a banking institution other than the basic account bank for borrowing or other settlement needs. The account can handle transfer settlement and cash deposit, but not cash withdrawal.

3) Special deposit

A special deposit account is a bank settlement account opened by depositors for special management and use of their special-purpose funds in accordance with laws, administrative regulations and rules. Special deposit accounts are used to handle the receipt and payment of special funds, and special deposit accounts that allow cash withdrawal must be approved. Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton, oil purchase funds, unit bank card reserve funds, securities trading settlement funds, futures trading deposits, interbank funds deposited by financial institutions, income remittance funds and business expenditure funds, organizational funds of the party, youth league and trade union in the unit and other funds that need special management and use according to regulations can apply for opening special deposit accounts.

4) Temporary deposit account

A temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within a specified period of time. It is used to handle the receipt and payment of funds arising from temporary institutions and depositors' temporary business activities. Cash withdrawal from temporary deposit accounts shall be handled in accordance with the provisions of the state on cash management. The scope of opening a temporary deposit account includes the establishment of temporary institutions, temporary business activities in different places, and registered capital verification.