Non-cash debit transactions from deposit accounts. General procedure for making transactions on deposits
The document that establishes the relationship between the depositor and the bank, and also determines the main conditions of the deposit, is treaty bank deposit. The agreement is drawn up when opening an account for a cash deposit.
The depositor (depositor, representative) fills in the necessary details of the bank deposit agreement and signs it. If the account is opened by the depositor or representative of the depositor, then when filling out the agreement, he indicates the last name, first name and patronymic of the person in whose name the deposit account is opened, the country where the depositor permanently resides.
The agreement is drawn up in two copies, one of which is issued to the depositor (depositor, representative), and the second is kept in the bank.
In agreements on deposits made for a certain period, the date of expiration of the main storage period and the date of return of the deposit are indicated.
The loss of the agreement by the depositor does not deprive him of the right to dispose of the deposit; in this case, when the account is closed, a note is made on the debit note that the agreement was not presented.
For each deposit, a account card. Cards of personal accounts are stored in card indexes, which are formed in the context of balance accounts, and in the card index of balance accounts - by types, deposits (by numbers of assigned codes) in ascending order of personal account numbers.
The structure of the account number contains a 20-bit numbering, for example, "42306.810.5.3811.4701234, where the 1st digit is the number of icra balance; 2nd and 3rd digits - the number of the balance account of the first order; 4th and 5th digits - the number of the balance account of the second order; 6-8th digit - currency code; 9th digit - key; 10-13th digit - bank index; 14-20th digits - the serial number of the personal account.
The main 20-digit personal account number may be followed by a two-digit deposit type code number, which is additional information to the account number.
Cards for accounts closed in the current year are placed in separate file cabinets, in which they are laid out in a similar manner; after drawing up annual report during the first quarter, cards for personal accounts closed in the past year are transferred to the archive during the inventory.
For each account, the depositor is issued savings book, in which, as well as in the personal account card, all deposit transactions are reflected. In the case of a non-cash deposit operation (for example, when interest is credited), it is reflected in the savings book at the first appearance of the depositor at the bank.
When filling out the last line, the client is given a new savings book with the same account number for the deposit instead of the written one. At the same time, a note is made in the used passbook that the client has received a new passbook. A new passbook is drawn up in the same manner as when opening an account, while in the first line a note is made about the transfer from the used savings book, indicating the balance of the deposit.
In case of loss of the savings book, the depositor must immediately report this in writing or by telephone to the structural subdivision of the bank. At the same time, a depositor can submit a written application for the loss of a personalized savings book to any structural unit of the bank, and declare the loss of a savings book by phone only to a structural unit or branch organizationally subordinate to the territorial bank in which the deposit account is opened.
All statements about the loss of a savings book, including those accepted by phone, are registered in a special book.
If the depositor personally applied to the structural subdivision of the bank, he draws up and signs an application for the loss of the savings book, indicating his request in it:
Or terminate the agreement with the closing of the deposit account (with cash withdrawal or by transfer to another deposit account);
Or issue a duplicate of the savings book without closing the account (a duplicate can be issued for all types of deposits).
If the depositor cannot personally visit the structural subdivision of the bank, then he draws up an application for the loss of the savings book in any form, certifies it with a notary and sends it by mail to the structural subdivision of the bank where the account is opened.
A representative of a depositor in a structural subdivision of the bank may, on his own behalf, draw up and sign an application for the loss of a savings book only in the following cases:
On the deposit of a minor depositor who has not reached the age of 14;
On the contribution of an adult contributor under guardianship;
If there is a clause in the power of attorney about the right of the representative to dispose of deposits in credit organizations or the right to manage and dispose of all property, as well as to submit in the interests of the person represented and on his behalf any applications to various organizations.
Expenditure operations on the account of a depositor who has lost a savings book, until it is closed or a duplicate of the savings book is issued on it, with the exception of the operation to write off the fee for the suspension of operations on this account or for the issuance of a duplicate of the savings book to replace the lost one.
In case of simultaneous loss of the depositor's passport along with the savings book, an application for the loss of the savings book may be accepted from the depositor without presenting their passport. In this case, the depositor indicates in the application “the passport is lost”, and the controller in the section “Bank notes” of the application crosses out the sentence “I was convinced of the identity of the applicant”. The operation of closing such an account or issuing a duplicate savings book on it can be carried out only on the basis of a passport presented by the depositor.
If the lost savings book is found by the depositor and presented to the structural subdivision of the bank after the deposit account is closed, the controller tears it up, makes an inscription behind his signature: “Repaid due to the closure of the account due to the loss of the savings book” and indicates the date of this operation. The redeemed savings book is sent to the branch of Sberbank of Russia as part of the daily report.
In the event that the depositor loses duplicate No. 1 of the savings book, duplicate No. 2 is issued to him in the same order, etc.
When making an additional contribution for which a savings book is not presented, a receipt of the established form signed by the controller, which records the date of issue, number and location structural unit bank, last name, first name and patronymic of the person depositing the amount to the deposit account, personal account number, last name, first name and patronymic of the depositor, accepted amount. In the incoming cash order, the receipt number is indicated.
An additional contribution from the contributor and representative can be accepted if they know the contributor's account number. Otherwise, a new account is opened for the deposited amount.
When accepting an additional contribution on a contribution to foreign currency drawn up in the prescribed manner certificate of the transaction cash currency and checks.
For each incoming or outgoing transaction on a cash deposit, a cash receipt order or cash receipt. When money is credited to the deposit account by bank transfer, a deposit order, and when writing off Money from account - order
for writing off.
All deposit transactions made during the day are reflected in operating diary. Operational diaries for deposits are kept separately from other transactions and are formed by type of currency. Operational diaries are assigned a new serial number every working day, while the numbering starts from the first working day of the calendar year and must be continuous.
The depositor can give the bank one-time write-off order the amount of payment from his deposit account to be transferred to the account of the organization in payment for a product or service. The order form consists of three forms “Depositor's order on the account”, “Notice” and “Copy of the notice”, which are intended for the bank, the organization receiving the payment and the client, respectively.
In cases where the depositor makes recurring payments, he can give the bank lengthy write-off order from his account for the deposit of amounts, indicating in the order the details of the organization - the recipient of the payment, the period and amount of the payment. On the basis of a long-term order of the depositor, a transfer can also be made to the accounts of individuals in this structural unit of the bank.
The calculation of interest on the transaction amount for all types of deposits is carried out according to the following general formula:
where C is the amount on which interest is charged (in rubles and kopecks or in whole and fractional parts of a foreign currency unit); Пс - the annual interest rate established for the deposit; 100 - coefficient; D - the number of days taken into account when calculating interest; K is the calendar number of days in a year, corresponding to 365 days in a normal year and 366 in a leap year.
Starting from January 1, 2000, income on deposits is subject to personal income tax in excess of the amount of interest, which is calculated:
Based on 3/4 of the Bank's current refinancing rate
Russia - on deposits in rubles;
Based on 9% per annum - for deposits in foreign currency.
The tax is charged for the period during which interest is accrued. Tax withholding is made when the deposit account is closed, and on the current account - when interest is added to the balance in accordance with the current conditions for the deposit.
Base interest rates
Attention! In the cases established Russian legislation, personal income tax is withheld from the amount of income.
The information provided is for informational purposes only and is not a public offer.
The indicated interest rates are set from February 18, 2020.
- making/crediting and returning the deposit is carried out in any of the following ways:
- in cash through the bank's cash desk (in all divisions of Moscow and the Moscow region, as well as in regional divisions that carry out cash transactions in the specified currencies);
- non-cash way (transfer from the account of the deposit "on demand", current account, account for settlements using bank cards);
- simultaneous opening within the framework of one agreement up to three deposits in three different currencies (the set of currencies is determined by the Depositor independently). In case of placement of 2 or more currencies (multi-currency deposit), one of the currencies at the choice of the depositor becomes the "Main", the rest - "Additional";
- non-replenishable deposit (consumable deposit).
Minimum initial deposit amount:
For a single-currency deposit - 2,500,000 rubles or the equivalent in foreign currency. For a multi-currency deposit - the total amount for all deposit currencies is 2,500,000 rubles or the equivalent in a foreign currency.
To calculate the ruble equivalent of amounts in foreign currency, the exchange rate of the Bank of Russia as of the date of conclusion of the deposit agreement is applied.
Minimum balance on deposit accounts:
For a single-currency deposit, it is equal to the minimum deposit amount.
For a multi-currency deposit, at least 3,000 rubles / 100 US dollars / 600 euros must be placed in each deposit currency, respectively.
Debit transactions on the deposit:
Allowed without restrictions, subject to the following conditions:
- maintaining the Minimum balance on deposit accounts;
- maintaining the Minimum Initial Deposit Amount.
For a multi-currency deposit - if on the date of the debit transaction the requirement to maintain the size of the Minimum Initial Deposit Amount is not met, debit transactions are possible only in the form of conversion transactions in non-cash form to deposit accounts in other currencies, and while maintaining the established amount of the Minimum balance on deposit accounts.
Other deposit conditions:
- for a multi-currency deposit - non-cash conversion of funds on deposit accounts is carried out at a special rate calculated at the time of the conversion for owners of Private Banking programs, established and determined by the bank in accordance with the tariffs for Private Banking programs;
- the deposit is not opened in favor of third parties;
- non-prolongable deposit
- interest is paid at the end of the deposit term.
You can open the Growth Strategy - Expenditure deposit, as well as receive information about the funds placed and manage your account at any time convenient for you via the Internet bank.
Interest on the deposit is paid based on the interest rate determined depending on the term of the deposit amount in the account, calculated from the day following the day the initial amount was credited to the deposit account, until the day the agreement is terminated.
Opening of accounts for deposits of the population is carried out upon the personal appearance of the depositor (his representative or depositor of funds).
Accounts (deposits) are opened upon presentation of an identity document of the depositor or depositor. Operations for opening accounts, issuing amounts, including closing accounts, and depositing amounts in favor of third parties on deposits in rubles, as well as operations on deposits in foreign currency, are executed upon presentation individuals, their perpetrators, their passports or listed identity documents.
To open "Pension Plus", "Pension Deposit", "Pension Replenished Deposit" deposits, the depositor must also present a pension certificate.
Controller:
- * finds out from the client what type of deposit he wants to open;
- * introduces the client to the terms of this type of deposit, informs about the possibility of providing additional services(execution of a will, power of attorney, provision of detailed information on the deposit, non-cash transfers from the deposit);
- * make sure by the presented passport (or other identity document) of the identity of the person opening the deposit account;
- * determines whether the depositor is a resident or non-resident;
- * makes the opening of the deposit; when working at AS "Branch", in order to open a deposit account, the controller selects the type of deposit to be opened, enters the name of the depositor, his passport data or data of an identity document, date of birth, address of registration and actual residence, contact phone number into the database; the amount of the deposit, after which AS "Branch" funds are printed: the initial receipt order for opening an account (form 51/36), an agreement (2 copies), a personal account card (form 1-y), a savings book (form 2), signs all documents;
- * invites the client to leave a sample signature in the personal account card, sign the initial receipt order, read the contract and sign two copies (each sheet of the contract is signed); scans the client's signature sample from the personal account card (if it is provided for by the software and hardware complex);
- * certifies each copy of the contract and the title page of the savings book with a round seal of a structural unit of the Security Council of the Russian Federation;
- * places the personal account card in the file cabinet;
- * issues a number token to the client and returns the passport;
- * transfers internally to the cashier savings book, two copies of the contract, the original order to open an account.
The cashier, having received the documents from the controller:
- * calls the contributor by numbered token;
- * accepts money;
- * certifies with his signature the operation in the savings book, signs the credit order;
- * issues to the depositor one copy of the agreement and a savings book (when working in AS "Branch", it also extinguishes the token).
If the account is opened by the representative of the depositor or the depositor of funds, the initial order is marked “Depositor”, the personal account card will not contain a sample signature of the depositor, the agreement indicates the “Depositor” and passport data of the person depositing funds. Information about the address, date of birth, citizenship and data of the depositor's passport is indicated if they are known to the person opening the deposit account, or indicated in the power of attorney or in other documents presented when opening the account.
At the first appearance of the depositor, the controller must finalize the account. Having received documents from the depositor, the controller:
- * verify the identity of the depositor on the basis of the presented passport (identity document);
- * receives from the depositor a sample signature on the personal account (if the software and hardware complex allows, it scans the signature);
- * draws up a notice to follow-up control (form 36) with a sample of the client's signature, indicating the client's passport data.
When making an additional deposit in cash, the depositor presents the controller with a savings book and informs the amount that he wishes to deposit into the account.
Controller:
- * conducts an operation in AS "Branch", issuing an incoming cash order using the means of AS "Branch" and reflecting the transaction in a savings book;
- * invites the client to check the correctness of the receipt order and sign it;
- * checks the signature on the order with the signature in the AS Branch database;
- * signs a cash receipt order and a transaction in a savings book;
- * issues a numbered token to the client;
- * internally betrays the savings book and receipt order to the cashier.
The cashier, having received the documents from the controller:
- * checks the correctness of paperwork;
- * accepts money from the client;
- * signs a cash receipt order, certifies with his signature the transaction in the savings book;
- * returns the savings book to the client.
When depositing funds by the depositor, the operation is carried out in a similar manner, taking into account the following:
- * the depositor of funds together with the savings book presents his passport;
- * the controller, using the funds of AS "Branch", draws up an incoming cash order, which contains data on the depositor of funds (full name, passport data).
When paying a part of the deposit in cash, the depositor (his representative) presents the controller with a savings book, passport (or identification document) and reports the amount of the operation. For deposits in rubles, to which amounts are regularly credited wages, pensions, allowances, scholarships, partial issuance of funds on days of mass payments, can be performed without presenting a passport.
Controller:
* checks the possibility of performing the operation in accordance with the terms of the deposit agreement and the balance of funds on
- * certifies the identity of the recipient of funds by presenting a passport (identity document);
- * prints out an account cash order using AS "Branch" means, reflects the operation in the savings book and invites the depositor (his representative) to sign the account cash order;
- * compares the signature on the outgoing cash order with the sample in the AS Branch database, if the signature does not match the sample, invites the depositor (his representative) to re-sign on the back of the outgoing cash order;
- * if the re-signature does not match, the controller transfers the documents to the person exercising additional control (the employee who is assigned such an obligation by order of the department), who conducts a thorough check of the passport (identity document) and savings book, requests from the client additional information, allowing to identify him (address, date and place of birth, telephone number, presence of a power of attorney or testamentary disposition, etc.). If the results of the check are positive, the person exercising additional control gives permission to conduct the operation by authorizing or affixing a permissive inscription on the cash order, if there are signs of falsification of the documents presented and / or inconsistencies of the received answers with the available information, informs the management of the bank branch and security officers for acceptance further measures to identify the client's identity and decide on the possibility of carrying out the operation; after the verification, the controller signs the expenditure order and the operation in the savings book; issues to the depositor (his representative) a numbered token, the number of which is indicated in the debit order; returns the passport to the client; internally transfers the savings book and the expenditure order to the cashier.
calls the contributor by token number; asks the depositor (his representative) to present a passport (identity document); makes sure of the identity of the depositor (his representative) on the basis of the presented document; checks the correctness of execution of the expenditure order and entries in the savings book;
signs the expenditure cash warrant and the transaction in the savings book;
issues cash to the depositor (his representative), returns the passport and savings book.
Closing a deposit account.
The depositor presents the controller with a savings book, a passport (identity document), a deposit agreement (if it was drawn up) and informs about the desire to close the account. If the agreement is lost, the depositor makes the inscription “Agreement not presented” on the debit note, puts down the date and signs it.
Closing of the deposit account is made for the amount of the deposit with interest due. When working in AS "Branch", interest is calculated automatically; in other cases, the controller calculates the interest due on the deposit.
An order f. 52 .
An expense cash order upon closing an account is issued for the amount of the deposit, together with accrued interest
The controller conducts the operation in the same way as a partial withdrawal of cash from a deposit, taking into account the following:
- * the savings book is redeemed with the inscription "deposit paid" on title page, the date of the transaction is indicated, the entry is certified by the signature of the controller, the savings book is torn at the top and bottom;
- * the mark “contribution paid” is put on the personal account card, which is removed from the card file of existing accounts and placed in the card file of closed accounts (at the end of the calendar year, the cards of closed personal accounts are sent to the archive);
- * the savings book, cash order and a copy of the client's agreement are handed over to the cashier;
- * The passport is returned to the client and a numbered token is issued.
- * calls the client by token number;
- * asks him to show his passport (identity document);
- * make sure of the identity of the presented document;
- * checks the correctness of registration of the operation;
- * signs documents;
- * returns the passport to the depositor (his representative) and issues the money.
If the deposit was opened by the depositor or by bank transfer and the depositor wishes to close the account at the first visit to the bank, then:
* the client's signature on the invoice is checked against the sample signature in the passport;
A power of attorney and testamentary disposition (if any) are attached to the personal account card.
the note “Savings book was not issued, the contract was not executed” is made on the expenditure order, certified by the controller and the person exercising additional control;
sample signature of the depositor for subsequent control on f. 36 is not required.
The depositor is granted the right to dispose of the deposit through his representatives (one or more). To do this, a power of attorney is issued to dispose of the deposit. It can be both one-time and long-term.
According to current legislation The term of the power of attorney may not exceed three years. If the power of attorney does not specify the period of its validity, then it is considered valid for one year from the date of its execution (date of compilation). The date of drawing up the power of attorney is its obligatory requisite. The month is indicated in words. A power of attorney that does not specify the date of its preparation is considered invalid.
In the power of attorney, the depositor has the right to provide for the frequency and amount of payments from the deposit to the authorized person. The power of attorney can be drawn up both in the bank itself and in a notarial order.
A power of attorney issued by a depositor who is unable to sign it due to a physical disability, illness or other reasons, at his request, is signed by another person indicating the reason why the depositor cannot sign the power of attorney with his own hand.
The power of attorney is issued in two copies. If it is drawn up in the presence of a trustee, then the representative of the contributor leaves a sample of his signature on form 322.
Having received the documents, the controller:
- * ascertains the identity of the depositor and authorized representative according to the documents presented;
- * checks the correctness of filling f. 322, comparing the data specified in the power of attorney with the data of the passports of the depositor and his representative;
- * certifies the power of attorney with his signature, indicating the position, full name, date of drawing up the power of attorney;
- * makes a mark on the personal account card in the column for marks “Power of attorney in the folder valid until”, indicates the date, certifies with his signature;
- * places one copy of the power of attorney in a special folder, the second copy as part of the daily reporting is sent to the subsequent control;
- * enters data about the authorized person in the database of AS "Branch";
- * scans the signature of a trusted person.
If the authorized person is not present at the bank when issuing a power of attorney, in f. 322 there will be no proxy signature (but in without fail- his passport details and address).
At the first appearance of a trustee in the bank, the controller, having received from the representative of the depositor his passport (identity document) and savings book:
- * checks for the presence of a power of attorney on the deposit;
- * verifies the identity of the authorized person by comparing the data of the presented passport with the data specified in f.322;
- * invites the authorized person to leave a sample of his signature in the column "For marks" of the personal account and on the notice to the subsequent control f. 36;
- * on form 36 indicates the passport data of the authorized person;
- * certifies all entries with his signature .
A settlement deposit is a cross between a term deposit and a demand deposit. On the one hand, the deposit is issued for a certain period. On the other hand, the possibility of replenishment and partial withdrawal of funds is allowed.
Settlement deposit: features and opportunities for the client
Receipt operations- those that lead to an increase in the balance. Money can be deposited in the following ways:
- in cash through the cashier;
- cash at an ATM;
- through a self-service terminal;
- non-cash transfer;
- through internet banking.
What debit transactions are allowed on the deposit. Examples for some banks
Debit transactions on the account may be different, depending on the conditions of the banking product. On settlement deposits, it is allowed to carry out the following debit transactions:
- cash withdrawal (at the cash desk, ATM);
- making cashless payments.
DVB (Far East Bank) offers its customers a deposit "Deposit + debit transactions". The minimum amount is 3,000 rubles (100 euros or dollars). The deposit can be replenished at any time, withdrawn within the minimum balance. Interest together with the principal amount is paid after the end of the contract.
Moscow credit bank(ICB) pays customers interest on the settlement deposit on a monthly basis (they are added to the deposit amount). The initial amount of the deposit is taken as the minimum balance. Thus, the client can withdraw part of the money only if he has previously replenished the deposit, otherwise there is only a minimum balance on the account. There is a limit maximum size deposit - 20 minimum balances. The minimum deposit amount is 20,000 rubles (400 euros, dollars).
Rosavtobank set the minimum minimum balance at the level of 10,000 rubles. Interest is capitalized and paid monthly. Replenishment is possible from 1,000 rubles or more.Cinco-Bank offers settlement deposit from 100,000 rubles (3,000 euros, dollars). Interest is paid monthly to a card or account, capitalization is not provided. Replenishment can occur in the amount of at least 100,000 rubles (1,500 dollars, euros). Interest rate depends on the deposit amount. 3 gradations are allowed according to this criterion:
- from 100,000 rubles (3,000 dollars, euros);
- from 1,400,000 rubles (20,000 dollars, 60,000 euros);
- from 3,000,000 rubles (70,000 dollars, 100,000 euros).
For each type, the irreducible balance is considered to be minimum amount to place a deposit. You can withdraw part of the deposit after 30 days from the date of registration of the deposit. Otherwise, the rate for demand deposits will be applied.
- The interest on a settlement deposit is higher than on a demand deposit, but less (by 0.5-1.5%) compared to a classic term deposit (without the partial withdrawal function).
- Make sure that there is a minimum balance on the account.
- A settlement deposit is more reliable than a savings deposit term deposit– if necessary, you can always access your funds without losing interest.
- It is better to choose such a settlement deposit, according to which replenishment of funds is allowed. Then you can, if necessary, withdraw your savings, and when the opportunity arises, put them back.
Types of expenditure operas carried out according to the contribution of cash d: h \ in, s \ s. All transactions, regardless of type, are performed upon presentation by the client of the PDS. Raskh operas are made on deposits, the conditions of which they are provided for. The type and amount of the operation can be declared by the client both orally and in writing. Expenses operas (cash and non-cash) are made by the depositor (trusted person, legal representative) with the obligatory presentation of the account. According to cash transactions, expenses are issued cash orders f0402009. On all cash orders issued to the client, an imprint of the seal of the cash desk is affixed. Expenses on the account of the depositor who has lost the account, before its closure or the issuance of a duplicate, are not made, with the exception of the operation to write off the fee for the suspension of operations on the account or for the issuance of a duplicate. The number of issued orders depends on the type: 1) deposit currency: by currency deposits- 2 copies of the cash desk of the order, the 1st with an imprint of the cash desk is issued to the client, the 2nd is sent with a report; for ruble deposits - 1 copy of the cash desk of the order, which is sent with the report. 2) operations: - on expenses of operas made on foreign currency deposits for the sums of the whole and fractional parts of foreign currency: 2 copies of the cash register of an order for the amount that is paid in banknotes of foreign currency. The 1st is issued to the client, the 2nd is sent with a report. 1 copy of the cash flow of an order for an amount less than a whole unit (less than the min value of a banknote in foreign currency) with conversion at the foreign currency purchase rate set by the bank at the time of the transaction (which is sent with a report). b/w - Special, On demand, Universal, Pension-plus
55. Receipt transactions on deposits made by non-cash way, the procedure for their registration.
Prikh operas are made on deposits, the conditions of which they are provided for. The type and amount of the operation can be declared by the client both orally and in writing. When transactions (cash and non-cash) are made by the depositor (contributor, third party on the basis of a notarized document, legal representative) upon presentation of the DUL and s / c, or without its presentation. Cashless transactions on deposits - operations for crediting and debiting money, as well as operations related to the purchase and sale of foreign currencies. For non-cash transactions (expenditure and inflow) on ruble and foreign currency deposits, 1 copy of the memorial order f203 is issued, which is sent with a report. Crediting to the contribution of the following amounts: - credited %ov; - salary, pensions, scholarships, allowances, fees, insurance payments, etc.; - transfers of deposits received from other branches of the SB or KO; listed from another account opened in the same (another) joint venture of one SB branch. ; - issued loans; accrued % on time; received from the purchase of securities from the client, valuables. Upon presentation of a credit card, in which several transactions for crediting (writing off) amounts were not recorded, the reflection of transactions is carried out when the depositor (shareholder, legal representative, heir) applies to the joint venture. In addition, each amount is reflected in c \ c on a separate line. d/c-Demand, Universal, Pension-plus, Refillable deposit, Retirement refillable deposit, Special, Cumulative
56. Expenditure transactions on deposits made by non-cash way, the procedure for their execution.
All transactions, regardless of type, are performed upon presentation by the client of the PDS. Raskh operas are made on deposits, the conditions of which they are provided for. The type and amount of the operation can be declared by the client both orally and in writing. The write-off of amounts from the deposit in a non-cash manner is carried out by the depositor (superior person, legal representative, heir) upon obligatory presentation of the s\k. Cashless transactions on deposits - operations for crediting and debiting money, as well as operations related to the purchase and sale of foreign currencies. For non-cash transactions (expenditure and inflow) on ruble and foreign currency deposits, 1 copy of the memorial order f203 is issued, which is sent with the report. Write-off from the deposit of the following amounts: - payments for an apartment, utilities and other services, charitable contributions, donations, etc. - transfers of deposits to another branch of the Security Council, including upon request; - for crediting to another account in the same (other) joint venture of one SB branch. - erroneously credited by the bank; - fees for bank services; - excessively accrued% of the transferred pension (at the request of the Pension Fund of the Russian Federation); - for the purchase by the client of securities, valuables. - penalties for executive documents: -taxes from income on deposits; - passing by inheritance in favor of the state-va. Upon presentation of a credit card, in which several transactions for crediting (writing off) amounts were not recorded, the reflection of transactions is carried out when the depositor (shareholder, legal representative, heir) applies to the joint venture. In this case, each amount is reflected in the c\k in a separate line. For the operation of writing off funds from the deposit, a fee is charged in accordance with the tariffs of the Bank. Expenses on the account of the depositor who has lost the account, before its closure or the issuance of a duplicate, are not made, with the exception of the operation to write off the fee for the suspension of operations on the account or for the issuance of a duplicate. в\%-Give life, Trust, Accumulative, Pension replenishable deposit, Replenishable deposit, Pension deposit, Deposit.