Most people at least once in their life need to deposit money in a bank. I want to do this as quickly as possible, spending a minimum amount of time and effort. However, often a person ends up in a financial institution and gets lost. He begins to ask people from the line to help him or calls friends and asks questions.
To prevent this situation from happening, it is worthwhile to make one thing clear: depositing money into the bank is a completely simple matter. Hundreds of thousands of people do this daily and quite successfully.
Who and for what brings money to the bank
People carry money to a financial institution for various purposes. For borrowers and investors, they are completely opposite. The first - return the money taken earlier. The second - they learn how to deposit money in the bank, so that later they can profit from them.
Accountants and company managers donate daily revenue so as not to violate the law. Some want to pay tax or duty.
Ordinary people replenish cash with payment cards, which are then very convenient to pay in stores and malls.
There are a large number of options for which you can make money to the bank. The main thing is to do it right and not create an entire problem around such an action.
How to deposit money into a bank account
If a business entity has a lot of cash in circulation, then this becomes not only inconvenient, but also dangerous. To organize the work more comfortably and not violate the law (cash limit), the head of the company opens a current account.
For this, a contract is concluded with the bank. The financial institution receives samples of signatures of the head and chief accountant.
After that, an authorized person can safely deposit money into a current account by depositing cash at the cash desk of a financial institution. The operator is required to inquire about the source of the funds. It can be different:
- return of accountable amounts;
- cash withdrawal, etc.
Individuals can also open current accounts and deposit money there. This is done before major transactions - the purchase of an apartment or car. For this, the bank also concludes an agreement.
The person to whom the account is opened must personally come to the bank. You must have personal identification documents with you. After the successful completion of the contract with the bank, you can deposit money. They may also be interested in their origin.
Sometimes legal entities and individuals have a need to deposit money into someone else's bank account. Most often this happens when buying goods in other cities, as well as paying various fees, fines, penalties.
Such payment can be made through the cashier of any bank. For this, the operator will need the details for which money should be paid.
Based on the results of the transaction, the cashier is obliged to issue a receipt to the client. It indicates the amount paid, date, purpose of payment. Be sure to bear the signature of the operator and the seal.
Deposit from a founder
Funds from a legal entity can also be handed over to the bank in order to replenish the authorized capital. This is not prohibited by law, but requires the presence of the founder or his representative in the financial institution.
Before you put the necessary amount into your account, you need to take care of the required formalities. Indeed, in order to deposit money into the bank from the founder, you need not only his desire, but also compliance with the law. For this:
- a decision is taken at the meeting;
- constituent documents are changed;
- All papers together with the application and the receipt on payment of the state duty are handed over to the tax inspector.
After that, you can go to the bank and deposit money into the account. However, this must be done within six months from the date of the decision to increase the authorized capital at the meeting.
Deposit processing
If you want to make money, you can deposit money into the bank at interest. The safest is a deposit. The legislation provides for a threshold amount of funds that is insured. In case of refusal of the bank to pay the money deposited on the deposit, their 100% return (up to the amount determined by the state) is guaranteed by the deposit insurance system.
To put money at interest you need:
- choose a financial institution;
- determine the term of the deposit;
- know what amount and currency will be discussed.
Before you deposit money, you must conclude an agreement with the bank. It stipulates the duration of the deposit, the possibility of its multiple replenishment and early withdrawal.
There is a minimum deposit for each deposit. If the deposit is not replenished, then before the end of its term it will be impossible to increase the amount made for the first time.
Interest can be accrued in different ways:
- upon expiration;
- quarterly;
- monthly.
The terms of the agreement stipulate whether they will be added to the main deposit amount (capitalized) or transferred to another account.
In order to make depositing money at the bank at interest as profitable as possible, the following rules should be followed:
- divide funds into several parts;
- apply to a small bank, foreign and state;
- contribute to one financial institution an amount not exceeding the threshold guaranteed by the deposit insurance system;
- make investments in different currencies;
- carefully read the contract before signing.
Having opened the deposit, you must take the receipt and save it.
Depositing money to repay a loan
Some people put money in a bank in order to earn money, others - borrow money to be repaid. It is not at all difficult to deposit money into a bank to repay a loan. To do this, you only need to know the details for which you have to pay.
In some financial institutions, you can repay cash loans only through the cashier. Such an operation is convenient for older people who like to do everything the old fashioned way. The operator takes cash and issues a receipt. In order to avoid various misunderstandings, it must be stored until the loan agreement is completely closed.
Some banks have special terminals. With their help, you can repay the loan in automatic mode. The terminal also issues a receipt for payment.
Cash deposit to replenish a card
The possibility of parallel replenishment through the cash desk and terminal exists not only for repaying loans. On such a convenient and beloved by many tools, such as a plastic card, money is also deposited in a similar way.
You can deposit money to the bank for replenishment, even without having it with you. To do this, you just need to tell the cashier the number of the card or account to which it is attached.
You can deposit money through terminals and ATMs. In such an operation, the recipient's card number and payment amount are indicated.
For replenishment of the card in any way a commission is taken.
It is not so difficult to deposit money into the bank. The main thing is to bring along a passport and the required amount of funds. If a client has questions or difficulties, then employees of a financial institution always try to help solve the problem as quickly as possible.