Cashless spending transactions from deposit accounts. General procedure for deposit operations
The document that establishes the relationship between the depositor and the bank, as well as determines the basic conditions of the deposit, is bank deposit agreement.The contract is executed upon opening a cash deposit account.
The depositor (depositor, representative) fills out 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 contract, he shall indicate the last name, first name and patronymic of the person in whose name the deposit account is opened, the country where the depositor resides.
The contract is executed in two copies, one of which is issued to the depositor (depositor, representative), and the second is stored in the bank.
In agreements on deposits made for a specified period, the expiration date of the main storage period and the date of return of the deposit shall be indicated.
The loss by the depositor of the contract does not deprive him of the right to dispose of the deposit, in this case, when closing the account, a note is made on the account order that the contract was not presented.
For each deposit personal account card.Cards of personal accounts are stored in file cabinets, which are formed in the context of balance accounts, and in the card file of balance accounts - by types, deposits (by numbers of assigned codes) in ascending order of numbers of personal accounts.
The structure of the account number contains 20-bit numbering, for example, "42306.810.5.3811.4701234, where the 1st category is the number of icrabalance; 2nd and 3rd categories - the number of the balance account of the first order; 4th and 5th digits - the number of the balance account of the second order; 6th-8th digits - currency code; 9th digit is the key; 10-13th digits - bank index; 14th-20th digits - serial number of the personal account.
Behind the main 20-digit personal account number, a two-digit code number of the type of deposits may be indicated, which is additional information to the account number.
Cards on accounts closed in the current year are placed in separate card files, in which they are laid out in the same manner; after the preparation of the annual report during the first quarter, cards on personal accounts closed in the past year are transferred to the archive during inventory.
For each account, the depositor is issued savings bookin which, as well as in the personal account card, all deposit operations are reflected. If a deposit operation is carried out by bank transfer (for example, when interest is credited), it is reflected in the savings book at the first appearance of the depositor in the bank.
When filling in the last line, a new savings book with the same deposit account number is issued to the customer in return for the one written out. At the same time, a note is made in the written-down passbook on the receipt by the client of a new passbook. A new savings book is issued in the same manner as when opening an account, while the first line marks the transfer from the written-down savings book indicating the balance of the deposit.
In case of loss of the savings book, the depositor must immediately notify about it in writing or by phone to the structural unit of the bank. In this case, the depositor may submit a written application for the loss of a personal savings book to any structural unit of the bank, and only declare the loss of the savings book by telephone to the 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 telephone, are recorded in a special book.
If the depositor has personally applied to the structural unit of the bank, he draws up and signs a statement about the loss of the savings book, indicating his request in it:
Or terminate the contract with the closure of the deposit account (with cash withdrawal or by transfer to another deposit account);
Or to issue a duplicate of a savings book without closing an account (a duplicate can be issued for all types of deposits).
If the depositor cannot personally visit the structural unit of the bank, he draws up a statement about the loss of the savings book in any form, certifies it with a notary and sends it by mail to the structural unit of the bank in which the account is opened.
A representative of a depositor in a structural unit of a bank may, on his own behalf, compose and sign a statement on the loss of a savings book only in the following cases:
On the contribution of a minor investor under the age of 14;
On deposit of an adult depositor who is under guardianship;
If there is a reservation in the power of attorney on the representative’s right to dispose of deposits in credit organizations or on the right to manage and dispose of all property, as well as submit any applications to various organizations in the interests of the representative and on his behalf.
Expense operations on the account of the depositor who has lost the savings book until its closure or issuance of a duplicate of the savings book on it are not performed, except for the operation to write off the fee for suspension of operations on this account or for issuing the duplicate of the savings book in exchange for the lost.
In case of simultaneous loss along with the savings book of the depositor's passport, an application for the loss of the savings book can be accepted from the depositor without presenting them with a passport. In this case, the depositor indicates “the passport is lost” in the application, and the controller crosses out the sentence “I was convinced of the applicant’s identity” in the “Bank notes” section of the application. The operation to close such an account or issue a duplicate of a 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 bank’s structural unit after closing the deposit account, the controller tears it off, inscribes under its signature: “Redeemed due to account closure due to the loss of the savings book” and indicates the date of this transaction. 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 number 1 of the savings book, duplicate number 2 is issued in the same order, etc.
Upon making an additional payment for which no savings book is presented, is issued receiptof the established form, signed by the controller, in which the date of its issue, the number and location of the bank's structural unit, the 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, and the amount accepted are recorded. The receipt cash order indicates the number of the receipt.
An additional contribution from the depositor and representative may be accepted if they know the account number of the depositor. Otherwise, a new account is opened for the deposited amount.
Upon receipt of an additional contribution on a deposit in a foreign currency in the prescribed manner certificate of the transaction with cash currency and checks.
For each cash or credit transaction, a cash deposit is made, respectively cash receiptor cash expense order.Upon receipt of money in the deposit account by bank transfer warrant for admission,and when debiting funds from the account - order
to write off.
All deposits made per day are recorded in operational diary.Operational diaries for deposits are kept separately from other operations and are formed by types of currencies. Operating diaries each working day is assigned a new serial number, and the numbering starts on the first working day of the calendar year and should be end-to-end.
The depositor can give the bank write-offthe amount of the payment from his account on the deposit for transferring to the organization’s account in payment for a good or service. The order form consists of three forms: “Order of the depositor on the account”, “Notification” and “Copy of the notice”, which are intended for the bank, the payee organization and the client, respectively.
In cases where the depositor makes periodic payments, he can give the bank long write-offfrom his account for the deposit of amounts, indicating in the order the details of the organization - the payee, the period and amount of the payment. On the basis of a long-term instruction of a depositor, transfers can also be made to the accounts of individuals in this structural unit of the bank.
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 for which interest is charged (in rubles and kopecks or in whole and fractional parts of a unit of foreign currency); P s - the annual interest rate set on 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 January 1, 2000, income from deposits is subject to personal income tax with respect to excess interest that is calculated:
Based on 3/4 of the Bank's current refinancing rate
Russia - on deposits in rubles;
Based on 9% per annum - on deposits in foreign currency.
The tax is levied for the period during which interest is accrued. Withholding tax is made upon closing the deposit account, and on the current account - when adding interest to the balance in accordance with the current conditions for the deposit.
Base interest rates
Attention! In cases established by the 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 were established from 02/18/2020.
- making / crediting and returning the deposit is carried out by any of the following methods:
- cash in cash through the bank's cash desk (in all divisions of Moscow and the Moscow region, as well as in regional divisions engaged in cash operations in the indicated currencies);
- by cashless transfer (by transfer from the deposit account “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). If two or more currencies are placed (multicurrency deposit), one of the currencies, at the discretion of the depositor, becomes “Main”, the rest - “Additional”;
- non-refundable contribution (expenditure contribution).
Minimum initial deposit amount:
For a single-currency deposit - 2,500,000 rubles or the equivalent in foreign currency. For a multicurrency deposit - the total amount in all currencies of the deposit 2 500 000 rubles or the equivalent in foreign currency.
To calculate the ruble equivalent of amounts in foreign currency, the Bank of Russia exchange rate as of the date of conclusion of the deposit agreement is applied.
Minimum balance on deposit accounts:
For a single-currency deposit - equal to the minimum deposit amount.
For a multicurrency deposit, at least 3,000 rubles / 100 US dollars / 600 euros must be placed in each deposit currency in each currency.
Deposit account operations:
Allowed without limitation while meeting the conditions:
- preservation of the Minimum balance on deposit accounts;
- preservation of the minimum initial deposit amount.
For a multicurrency deposit - if the requirement to maintain the size of the Minimum Initial Deposit Amount is not fulfilled on the date of the transaction, the expense transactions are possible only in the form of non-cash conversion transactions to deposit accounts in other currencies, and if the established amount of the Minimum Balance on deposit accounts is maintained .
Other conditions of deposit:
- for multicurrency deposits - non-cash conversion of funds on deposit accounts is carried out at the special rate calculated at the time of conversion for the owners of Private Banking programs, set 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-renewable contribution
- interest is paid at the end of the deposit term.
You can open the “Growth Strategy - Expenditure” deposit, as well as receive information on funds placed and manage your account at any time convenient for you through the Internet bank.
Interest on the deposit is paid based on the interest rate, which is determined depending on the term for the deposit amount in the account, calculated from the day following the day the original amount was credited to the deposit account, on the date of termination of the contract.
Opening accounts for deposits of the population is carried out upon personal appearance of the depositor (his representative or depositor).
Accounts (deposits) are opened upon presentation of a document proving the identity of the depositor or depositor. Operations on 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 by individuals making them their passports or listed documents, identity cards.
To open the “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;
- * acquaints the client with the conditions of this type of deposit, informs about the possibility of providing additional services (drawing up a will, power of attorney, providing detailed information on the deposit, non-cash transfers from the deposit);
- * makes sure by presenting the passport (or other identification document) the identity of the person who opens the account for the deposit;
- * determines whether a depositor belongs to residents or non-residents;
- * makes the opening of the deposit; when working at AS Filial, to open an account for a deposit, the controller selects the type of deposit to be opened, enters the depositor's full name, passport data or the data of an identity document, date of birth, address of registration and actual residence, contact phone number; deposit amount, after which the means of AS Filial are printed out: the initial receipt order to open an account (form 51/36), the agreement (2 copies), personal account card (form 1), a savings book (form 2), sign 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 a sample of a client’s signature from a personal account card (if this is provided for by the software and hardware complex);
- * certifies each copy of the agreement and the cover page of the savings book with a round seal of the structural unit of the Security Council of the Russian Federation;
- * places a personal account card in a card file;
- * gives the customer a number token and returns a passport;
- * transfers the savings book, two copies of the contract, the initial order to open an account internally to the cashier.
The cashier, having received from the controller documents:
- * calls the depositor by number token;
- * accepts money;
- * certifies with his signature the operation in the savings book, signs a receipt order;
- * gives the depositor one copy of the contract and a savings book (when working at AS Filial, he also extinguishes the token).
If the account is opened by the representative of the depositor or depositor of funds, the note “Depositor” is made on the initial order, the personal account card will not contain a specimen signature of the depositor, the contract indicates “Depositor” and passport details of the person making the money. Information about the address, date of birth, citizenship and passport data of the depositor are indicated if they are known to the person who opens the account for the deposit, or are indicated in the power of attorney or in other documents presented at the time of opening the account.
At the first appearance of the depositor, the controller must complete the invoice. Having received documents from the depositor, the controller:
- * makes sure of the identity of the depositor by presenting a passport (identification 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 notification to the subsequent control (form 36) with a sample signature of the client, indicating the passport details of the client.
When making an additional contribution in cash, the depositor presents to the controller a savings book and reports the amount that he wishes to deposit into the account.
Controller:
- * conducts an operation at AS Filial, issuing funds of AS Filial with a cash register order and reflecting the operation in a savings book;
- * invites the client to verify the correctness of the receipt of the receipt of the order and sign it;
- * verifies the signature on the warrant with the signature in the base of the AS "Branch";
- * Signs a cash receipt and transaction in a savings book;
- * gives the customer a number token;
- * delivers a savings book and a receipt to the cashier internally.
The cashier, having received from the controller documents:
- * checks the correctness of paperwork;
- * accepts money from the client;
- * Signs an incoming cash warrant, certifies with his signature the operation in the savings book;
- * returns to the client a savings book.
When depositing funds by the depositor, the transaction is carried out in the same manner, taking into account the following:
- * the depositor of money along with the savings book presents his passport;
- * the controller using the funds of AS “Filial” draws up a cash receipt order, which contains data on the depositor of funds (name, passport data).
When paying 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 transaction. For deposits in rubles, which regularly include the amount of wages, pensions, benefits, scholarships, partial disbursements of funds on days of mass payments, can be performed without a passport.
Controller:
* checks the possibility of performing the operation in accordance with the terms of the deposit agreement and the balance of funds for
- * Verifies the identity of the recipient of the funds on the submitted passport (identity document);
- * produces by means of AS Filial a printout of an expenditure cash warrant, reflects the operation in a savings book and invites the depositor (his representative) to sign a consumable cash warrant;
- * compares the signature on the account cash warrant with the sample in the AS Filial database, if the signature does not match the sample, invites the depositor (his representative) to re-sign the back of the account cash warrant;
- * if the re-signature does not coincide, the controller transfers the documents to the person exercising additional control (to the employee who is assigned such an order by the separation order), who thoroughly checks the passport (identification document) and the savings book, and requests additional information from the client to enable him to make it identification (address, date and place of birth, phone number, presence of a power of attorney or testamentary disposition, etc.). If the verification results are positive, the person performing the additional control gives permission to conduct the operation by authorizing or affixing a permit inscription on the cash register warrant, if there are signs of falsification of the submitted documents and / or inconsistency of the received answers with the available information, inform the management of the bank branch and security personnel for acceptance further measures to identify the identity of the client and the decision on the possibility of the operation; after the audit, the controller signs an expense order and an operation in a savings book; issues to the depositor (his representative) a numbered token, the number of which is indicated in the account order; returns the passport to the client; transfers the savings book and account order to the cashier internally.
calls depositor by token number; asks the depositor (his representative) to present a passport (identification document); verifies the identity of the contributor (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 an expense cash warrant and transaction in a savings book;
gives the depositor (his representative) cash, returns the passport and the savings book.
Closing a deposit account.
The depositor shall present to the controller a savings book, passport (identification document), a deposit agreement (if issued) and reports on the desire to close the account. If the contract is lost, the depositor on the account warrant makes the inscription "the contract is not presented", puts the date and signs.
A deposit account is closed for the deposit amount with interest due. When working at AS Filial, interest is calculated automatically; in other cases, the controller calculates the interest due on the deposit.
In the amount of accrued interest, an order is issued f. 52.
An account cash warrant when closing an account is executed for the deposit amount along with the accrued interest
The controller conducts the operation in the same way as partial withdrawal of cash from a deposit, taking into account the following:
- * the savings book is redeemed by the inscription “contribution paid” on the title page, the date of the transaction is indicated, the record is certified by the signature of the controller, the savings book is torn up and down;
- * the mark “contribution paid” is affixed to the personal account card, which is withdrawn from the card file of existing accounts and placed in the card file of closed accounts (at the end of the calendar year, cards of closed personal accounts are sent to the archive);
- * a savings book, cash account warrant and a copy of the client’s contract are transferred to the cashier;
- * The passport is returned to the client and a numbered token is issued.
- * calls the customer by token number;
- * asks for his passport (identification document);
- * makes sure of the identity of the presented document;
- * checks the correctness of the operation;
- * signs documents;
- * returns to the depositor (his representative) a passport and issues money.
If the deposit was opened by the depositor or by bank transfer and the depositor wants to close the account at the first appearance in the bank, then:
* the client’s signature on the account order is verified with the signature sample in the passport;
The power of attorney and testamentary disposition (if any) are attached to the personal account card.
on the account order, the note “Savings book was not issued, the contract was not executed”, certified by the controller and the person exercising additional control;
a sample of the signature of the depositor for subsequent control on f. 36 is not required.
The depositor has the right to manage the deposit through his representatives (one or more). For this, a power of attorney is issued to dispose of the deposit. It can be both one-time and long-lasting.
According to the current legislation of the Russian Federation, the term of the power of attorney cannot exceed three years. If the term of validity is not indicated in the power of attorney, then it is considered valid for one year from the date of its execution (date of drawing up). The date of the power of attorney is its requisite. The month is indicated in words. The power of attorney, in which the date of its preparation is not indicated, 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 trustee. 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 not able to sign it due to a physical handicap, illness, or for other reasons, at his request, is signed by another person indicating the reason by virtue of which the depositor cannot sign the power of attorney himself.
The power of attorney is executed in two copies. If it is drawn up in the presence of a trustee, the representative of the depositor leaves in 322 a sample of his signature.
Having received the documents, the controller:
- * makes sure the identity of the depositor and the trustee on the submitted documents;
- * checks the correctness of filling f. 322, checking 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 its signature, indicating the position, name, date of preparation of 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, confirms 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 information about the trustee in the database of AS “Branch”;
- * scans the signature of a proxy.
If the proxy is not present at the bank when issuing the power of attorney, f. 322 there will be no signature of the authorized person (but without fail - his passport data and address).
When the proxy first appears at the bank, the controller, having received from the representative of the depositor his passport (identity document) and a savings book:
- * checks the availability of a power of attorney on the deposit;
- * Verifies the identity of the trustee, checking the data of the presented passport with the data specified in f.322;
- * invites the authorized representative to leave a sample of his signature in the column “For notes” of the personal account and on the notification to the subsequent control f. 36;
- * on form 36 indicates the passport data of the authorized person;
- * certifies all entries with its signature.
A settlement deposit is a cross between a fixed-term deposit and a demand deposit. On the one hand, a contribution is drawn up for a certain period. And on the other hand, the possibility of replenishment and partial withdrawal of funds is allowed.
Settlement contribution: features and opportunities for the client
Income operations are those that increase the balance. You can deposit money in the following ways:
- cash at the checkout;
- cash at an ATM;
- through the self-service terminal;
- wire transfer;
- through online banking.
What are allowed deposit operations on deposit. Examples for some banks
Account expense transactions may vary, depending on the conditions of the banking product. For settlement deposits, such expenditure operations are allowed:
- cash withdrawal (at the cash desk, ATM);
- cashless payments.
DVB (Far Eastern Bank) offers its customers the deposit "Deposit + expense transactions". The minimum amount is 3,000 rubles (100 euros or dollars). The deposit can be replenished at any time, withdraw in the framework of the minimum balance. Interest, together with the principal amount, is paid after the end of the contract.
Moscow Credit Bank (ICD) pays clients interest on the settlement deposit monthly (they are added to the deposit amount). The initial deposit amount is accepted as a minimum balance. Thus, the client can withdraw part of the money only if before that he replenished the deposit, otherwise there is only an irreducible balance in the account. There is a limit to the maximum deposit amount - 20 minimum balances. The minimum deposit amount is 20,000 rubles (400 euros, dollars).
![](https://i2.wp.com/cbkg.ru/uploads/2_%D1%84%D0%BE%D1%82%D0%BE_mat_52844.jpg)
Cinco Bank offers a settlement deposit of 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). The interest rate depends on the amount of the deposit. 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 of minimum balance, the minimum amount for depositing is considered. You can withdraw part of the deposit after 30 days from the date of deposit. Otherwise, the rate will be applied at the rates of the demand deposit.
- The interest on the settlement deposit is greater than on the demand deposit, but lower (by 0.5-1.5%) compared to the classic term deposit (without the partial withdrawal function).
- Carefully watch that there is an irreducible balance on the account.
- A settlement deposit is more reliable than a savings term deposit - if necessary, you can always access your funds without losing interest.
- It is better to choose a settlement contribution for which replenishment is allowed. Then you can remove the savings if necessary, and when the opportunity arises, put them back.
Types of expenditures of operas carried out by deposit: d \\ h, s \\ s. All operations, regardless of the type, are performed upon presentation by the client of DUL. Rash operas are made on deposits, the terms of which they are provided. The type and amount of the transaction can be declared by the client both orally and in writing. Rash of operas (cash and bank transfer) is made by the depositor (former person, legal representative) upon obligatory submission with \\ k. For cash transactions, cash orders f0402009 are issued. All cash orders issued to the client are affixed with a print of the cash register. The operation is not carried out on the account of the depositor who has lost his / her account before closing or issuing a duplicate, with the exception of the operation to write off the fee for suspending operations on the account or issuing a duplicate. The number of issued orders depends on the type: 1) deposit currency: for currency deposits - 2 copies of cash orders, the 1st with a print of the cash register is issued to the client, the 2nd is sent with a report; for ruble deposits - 1 copy of the cash register of the order, which is sent with the report. 2) operations: - by the amount of transactions made on foreign currency deposits for the sum of the whole and fractional parts of foreign currency: 2 copies of the cash box of the order for the amount that is paid in foreign currency banknotes. 1st is issued to the client, 2nd is sent with a report. 1 copy of the cash desk of the order for an amount less than the whole unit (less than the minimum value of a foreign currency banknote) with conversion at the foreign currency purchase rate set by the bank at the time of the transaction (which is sent with the report). b / w - Special, On Demand, Universal, Pension Plus
55. Income operations on deposits made by bank transfer, the procedure for their execution.
Prikh operas are made on deposits, the terms of which they are provided for. The type and amount of the transaction can be declared by the client both orally and in writing. The arrival of the operation (cash and bank transfer) is made by the depositor (depositor, additional person on the basis of notarized evidence, legal representative) upon submission of the DUL and s / c, or without its submission. Non-cash oper on deposits - operations of crediting and debiting den Wed-in, as well as operations related to the purchase and sale of foreign currency. For non-cash transactions (expenses and arrivals) for ruble and foreign currency deposits, 1 copy of memorial order f203 is issued, which is sent with a report. Crediting the contribution of the amounts: - credits% s; -s \\ n, pensions, scholarships, allowances, fees, insurance payments, etc .; - transfers of deposits received from another branch of the Security Council or KO; transferred from another account opened in the same (other) joint venture of one SB branch. ; -issued loans; accrued% on time; received from the customer’s purchase of c / b values. Upon presentation of a s / c, in which several operations of crediting (writing off) the amounts were not recorded, the reflection of operations is carried out when the depositor (authorized person, legal representative, heir) applies to the joint venture. In this case, each amount is reflected in s \\ to a separate line. d / in-demand, universal, pension-plus, replenishable deposit, pension replenishable deposit, special, funded
56. Expenditure operations on deposits made by bank transfer, the procedure for their execution.
All operations, regardless of the type, are performed upon presentation by the client of DUL. Rash operas are made on deposits, the terms of which they are provided. The type and amount of the transaction may be declared by the client both orally and in writing. Write-off of the amounts from the contribution to the bank transfer is carried out by the depositor (former person, legal representative, heir) upon obligatory submission with \\ k. Non-cash oper on deposits - operations of crediting and debiting den Wed-in, as well as operations related to the purchase and sale of foreign currency. For non-cash transactions (expenses and arrivals) for ruble and foreign currency deposits, 1 copy of the memorial warrant f203 was issued, which is sent with a report. Write-off from the deposit of the amounts: - payments for an apartment, utilities and other services, charitable contributions, donations, etc. - transfers of deposits to another branch of the SB, Wh, 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; -unnecessarily accrued% of the transferred pension (at the request of the RF PF); -for the purchase by the client of c \\ b, values. -collections on executive documents: -taxes from income on deposits; - inherited in favor of the state. Upon presentation of a s / c, in which several operations of crediting (writing off) the amounts were not recorded, the reflection of operations is carried out when the depositor (authorized person, legal representative, heir) applies to the joint venture. In this case, each amount is reflected in s \\ to a separate line. A fee is charged for the operation of debiting funds in accordance with the Bank's tariffs. The operation is not carried out on the account of the depositor who has lost his / her account before closing or issuing a duplicate, with the exception of the operation to write off the fee for suspending operations on the account or issuing a duplicate. in \\% - Give life, Trust, Savings, Pension replenished deposit, Replenished deposit, Pension deposit, Deposit.