Current accounts: who should have them
Current accounts: who should have them
Current accounts: who should have them
Having special characteristics, the current accounts is suitable for certain characteristics of customers. Let us see what are the peculiarities of the account and to whom correspondence should open one.
A definition
Meanwhile, we understand what a current accounts.
This type of account the bank is expected to assume responsibility and burden for the customer to perform certain actions "automatically". But we do care, because the bank receives the mandate from the customer order to make payments and receipts of checks, bills, utilities, taxes and fees. In essence, a current account makes it easier and quicker classic cash transactions that a customer usually would play going at the branch. At its base there is a contract between you and the Institute.
Who should match the account?
Those who habitually raised a number of transactions, payments, transactions, payments, money transfers such as companies, businesses, professional firms, professionals. The current accounts on the relationship and customer base which entrusts the Institute through a contract management of a wide variety of tasks. The client is relieved by the administration of its funds which may, however, constantly monitoring all movements. We suggest you keep well to reference the right rules for the management of the current account, and then reflect on the possibility of delegating the Bank so that it can do for us in maximum safety and efficiency.
What is possible?
The advantage of an open current account under contract with the Bank has the advantage to lift the obligation, as well as the nuisance of having to go into a branch to carry out a series of transactions to credit or debit card.
Fall in credit payments by check or by cash, salaries, and reimbursement for its own benefit, proceeds from the sale of securities and foreign currencies, transfers, bills, coupons.
Charges are included in emissions allowances, management of purchases by item and payment cards, payment of instalments of loans and mortgages, the payment of instalments of insurance, the purchase of securities, bank transfers and outgoing payment of salaries or fees.
Be connected to the account by check or credit cards?
Although the Bank to carry out operations on behalf of the customer, a current accounts can be still available to the checkbook and credit cards. This is because the customer always has the possibility to make purchases and payments, and order the Bank transfers and transfers whenever they have the need.
What does the contract?
We have already mentioned the presence of a contract that governs the current accounts.
Upon its conclusion Customer and Bank define the terms of duration, even indeterminate, and the mode of termination is always present.
Is there a legal framework?
Our legal system defines the current accounts a "contract of indefinite duration atypical mixed content" in the text of which is specified with the discipline and the rules of office to the bank.
And 'this requirement to perform certain operations on behalf of the client.
The legal framework of reference, however, is included in the articles of the 1852/1857 section V of the Civil Code which is also specified that "the account holder has the right at any time to dispose of the amount found to his credit."
If this form of current account does not seem right for you becomes important to evaluate other types of account.
We recommend reading our comparison between traditional and online bank accounts, which are today the most widely used to assess the postal account, but also holding accounts that are today still offer the only interest of some significance.
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