First, the account opening entity is different from the required documents.

The account opening subject of personal business is an individual, and only a personal ID card is needed to open an account. The account opening subject of the company's business is the enterprise or the government, and the account opening needs the corresponding business license or organization code certificate, seal, etc.

Second, the business scope and process are not exactly the same.

The company's business needs to apply for an account opening license. , and there are often reconciliation, checks and other businesses, and the operation process is more complicated; Personal business is relatively simple;

Third, different responsibilities.

Individuals are responsible for personal business, and enterprises or government departments are responsible for public business. A depositor shall open a bank settlement account with a real name, and shall be responsible for the authenticity of the substantial contents of the application materials for account opening (change or cancellation) issued by him, except as otherwise provided by laws and administrative regulations.

Procedures for opening an account in a public bank.

To open an enterprise bank account, you need to provide the original business license, the original ID card of the legal representative and its copy and official seal. If the legal representative does not open an account in the bank himself, you need to provide the original and copy of the agent's ID card, and the legal representative should issue a power of attorney to authorize the agent to open an account in the bank.

Second, the classification of public bank accounts.

Unit bank accounts are divided into basic deposit account, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.

1. basic deposit account is the main account for transfer settlement and cash receipt and payment. The daily fund collection and payment of business activities and the withdrawal of wages, bonuses and cash can be handled through this account.

2. A general deposit account is a bank settlement account opened by a depositor in a banking institution outside basic deposit account for loan or other settlement needs.

3. Special deposit account refers to a bank settlement account opened by depositors in accordance with laws, administrative regulations and rules for the special management and use of their special funds.

4. Temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within the prescribed time limit.

function

Basic deposit account-Depositors need to open this account for daily transfer settlement and cash receipt and payment.

General deposit account-an account opened by a depositor in a banking institution outside basic deposit account for loan or other settlement needs;

Special deposit account-an account opened by depositors in accordance with laws, administrative regulations and rules for the special management and use of their special funds;

Temporary deposit account-an account opened by depositors for temporary needs and use within a specified period of time.

Prescribed preventive measures

Depositors of corporate bank settlement accounts can only open a basic deposit account in the bank.

Basic deposit account is the depositor's main account. The receipt and payment of funds for depositors' daily business activities and the withdrawal of wages, bonuses and cash shall be handled through this account. The general deposit account is used to handle the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal.