A bank card with sample signatures is one of the mandatory documents required by the bank together with the opening of a bank account or a deposit account. In essence, it is a paper containing samples of signatures or officials of a certain legal entity, or the signature of an individual entrepreneur. The general procedure, as well as the conditions for issuing and using such a bank card with signatures by customers are detailed in a special Instruction of the Central Bank of the Russian Federation.
The procedure, conditions for issuing and using a bank card by customers
This document is drawn up for financial transactions with assets that are placed on the accounts of both legal entities and individual entrepreneurs. To issue a card, use the form of the established form. Fill it out according to the model, again provided for by the Instructions of the Central Bank of the Russian Federation. It is important during the execution of this document to clearly follow the rules established by the Central Bank for filling in the fields. You can get acquainted with a sample form, the approved form of this document with sample signatures, on our resource in the subsection “Document Samples”.
Settlements in cash that are made through bank current accounts can be made by entrepreneurs or legal entities that enter into a service agreement with a financial institution.
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In order to open a bank account, you must submit an application and certain documents. One of them will be a card with sample signatures of the head and responsible persons who have the right to put them on payment and other documents, as well as a seal.
A card is issued in accordance with the requirements of the Central Bank of Russia. The intra-bank document will remain valid until the individual entrepreneur or organization closes its account (settlement, deposit) in this bank or the service agreement ends.
In another case, the head of the enterprise or another responsible person may change, naturally, when changing signatures, it is necessary to change the card with samples. Every time a bank customer receives payment order or a requirement to transfer money from an account using such and such details, the responsible officer is obliged to compare the data on the card with those presented on the payment paper medium or in in electronic format.
AT last years Individual entrepreneurs and enterprises make payments through the "Client-Bank" system, i.e. remotely via the Internet. When making payments, customers use the electronic version of signatures and seals, but information on paper must still be stored in the bank.
The form of the card and the procedure for filling it out is the same for everyone. The only way to change the content is to fill in more or less lines about the responsible persons who have the right to sign in relation to a particular bank account.
The Bank may require the client to provide one or more copies of this card, which must be presented when opening the account(s). For issuing this card, the client does not pay any fee to the bank, but the services of a notary who certifies the form are paid separately.
There is a concept of the first and second signature.
The first must belong to:
- manager, if it is a legal entity;
- individual IP;
- a person who has the right to act on his behalf on the basis of a power of attorney.
The right of the second signature is usually held by the chief accountant or deputy, another responsible person who, according to the power of attorney, is temporarily instructed to sign documents. Therefore, every time there are changes in the personnel, the individual entrepreneur or enterprise must submit new information to the bank. Responsible persons personally come to the bank to provide their signature samples.
Document overview
The form of the card according to the All-Russian classifier of management documentation (OKUD) has the number 0401026. This form was approved by the Instruction of the Central Bank No. 28-I (09/14/2006, last revised from 2016). The client is allowed to fill out a ready-made printed form, take it from the bank or draw it up on the computer himself. In any case, the form should not differ from that stated in the Instructions.
The bank can provide the client with an internal form of the form as a sample of filling out a card with sample signatures and a seal imprint in 2019. But it also should not differ from that approved by the Central Bank.
Each form for such a card must contain all the necessary details for filling out. In fact, the Instruction of the Central Bank No. 153-I, which indicates how to open and close bank accounts for deposits and deposits, states that any version of the form can be used.
So, in a unified form, there is no such data about the enterprise or individual entrepreneur as KPP and TIN, OKVED and OKPO codes, and other important information. If the bank decides to provide its customers with personally designed cards, it has the right, in addition to the necessary information about signature samples, to enter fields for filling in others.
One client can have several bank accounts. If all accounts are serviced by one operator, then it is enough for the client to submit one original card with samples to the bank. But provided that the list of persons who have the right to sign for these accounts will be the same.
If the accounts are serviced by different operators, then everyone will have to present such a card. The bank can also request only the original card, and make copies itself. Otherwise, the client may be required to bring one or more originals with copies. This information must be clarified in the bank itself.
If the right of the first or second signature has an authorized person, then you will also have to submit a power of attorney to the card in the name of this employee. For example, not always the head and the chief accountant have the right of the first and second signature, sometimes the enterprise instructs other persons to sign documents.
The head can keep accounting himself, as entrepreneurs most often do. Then he will own the right of the first and second signature. In the field of the second signature, you will have to indicate that it does not belong to anyone.
Any client can submit a temporary card to the bank. Its difference from the permanent one is that on the front side in the upper right corner, the bank employee will mark “temporary”.
According to the Instructions, such a card can be issued only in certain cases when:
- the right to sign the main person for some time, for example, the period of vacation or business trip, the organization transfers to another responsible person;
- the client needs to use a temporary additional print instead of a permanent print, the reason may be the loss of the print or damage;
- other.
Sample card with samples of signatures and seal imprint:
The main functions of the card
The main purpose of the sample card is quite simple:
- To conduct transactions from a current account, a bank employee needs to make sure that it is carried out by an enterprise or individual entrepreneur, or rather, by its representative - a person who has the right to sign on the main documents.
- The payment document is an important order for the bank on the part of the client. If the latter has a seal, he is obliged to put it on such a document next to the signatures of the responsible persons. To make a payment, the operator must also make sure that the client who owns the account wants to make the payment.
- The operator must take precautions when accepting payments in paper or electronic form, issuing transfers, etc., in order to exclude the use of fraudulent schemes. He is obliged to accept the payment document, then compare not only the signature samples, but also the client's seal, before making an operation on any account. Unless he sees a 100% match, according to the intra-bank instructions, he has every right to refuse the client to use the funds.
But there are some exceptions. So, for example, starting from April 2015, small enterprises such as LLC and JSC, as well as individual entrepreneurs, received, under Law No. 82, the opportunity to operate without round seals. This provision must be written into the internal regulatory documents. If a seal is not provided for by a bank client, but together with a signature sample card, he submits a copy of his regulatory document to the bank.
Detailed filling algorithm
The card is filled in by 3 responsible persons:
When an employee of a financial institution certifies the client's signatures, he puts on the card:
- your position and full name;
- signs;
- indicates the date of issue of the form;
- puts a stamp intended for this purpose.
To fill in the fields, you can use the ready-made form of the card to make entries in it manually with a black or blue ballpoint pen. In another case, you can enter data, except for signatures, on a computer, and then print the form. In the future, with changes in the enterprise, the client provides a new card or a temporary one. If, according to the legislation, the bank account number changes, then the bank has the right to put its mark on the card without involving the client.
An illustrative example with points
The procedure for filling out the sample card point by point is specified in Appendix No. 2 to Instruction No. 153-I:
- In the column "Account Owner" it is necessary to enter the full name of the legal entity according to the certificate of state registration. If the form is drawn up for an individual entrepreneur, then his full name, date of birth, details of a civil passport are entered in this field. Lawyers and notaries in private practice must indicate the type of activity.
- In relation to the location of the client, you must indicate the current legal address for enterprises or, by registration, for individuals.
- To contact the client, he must leave his phone number by which you can contact him.
- In the "Bank" field, you will need to indicate the name of the institution or its division where the client opens an account.
- The card has a place for the marks of the bank and others, the client does not make entries there.
- On the reverse side of the card, the client who needs to open an account enters brief information about himself:
- the name of the enterprise or the full name of the individual;
- Kind of activity.
- The column "Position" indicates the position of persons who have been granted the right to sign at the enterprise. If the card is filled out for an individual (IP), then his position does not need to be indicated.
- Where it is necessary to indicate the personal data of the persons who will sign the payment documents, it will be necessary to indicate their full name.
- Further, opposite each surname, a sample signature is affixed.
- Then the date of filling out the intrabank document is entered.
- In the "Customer Signature" field, you need to put the signature of the person who must fill out the card, i.e. the head or individual entrepreneur.
- If you need to specify the terms of authority of the responsible person who is vested with the right to sign, then you will have to enter this period from such and such to such and such a date in accordance with the submitted administrative act drawn up by the client.
- The print sample is put in the appropriate field.
Notarial certification of samples of signatures and seals is done at the request of the client, it is quite enough if they are certified only by a bank employee.
Then a card with samples of signatures and a seal imprint is the main document that will have to be issued. What it serves for, what are the requirements for it - you will learn from the article.
What is the card for?
For the document, there is a standard form 0401026. It is approved bank instruction No. 153-I. However, it is permissible to use the form that a particular bank has established by internal rules.
Why do I need a card with samples of signatures and seal imprints? To get a checking account:
- for current operations of individuals;
- for the needs of individual entrepreneurs;
- for the needs of a legal entity;
- to open a deposit.
Courts, bailiffs, notaries, law enforcement- all these organizations also need current accounts to work. Therefore, a card with samples of signatures and a seal imprint will be required.
Acceptable for use are forms made by a printing house, as well as printed independently on a printer. The card is issued to the client at the bank or can be obtained independently (for example, downloaded from the Internet from the website of a financial institution).
Special cases
A card with samples of signatures and a seal is provided to the bank not only when opening a current account. There are a number of other cases:
- replacement of one of the signatures;
- replacement of the seal;
- loss of seal;
- changes made to F.I.O. the person entered on the card;
- changes in the name of the organization;
- changes in organizational legal form organizations;
- suspension of powers of the governing body;
- termination of powers of the governing body.
A sample signature and seal on the card is necessary so that the bank employee has the opportunity to verify with the details specified in the payment document. If discrepancies are found, the bank will not accept the document. Movements on the current account will be impossible.
Card with samples of signatures and seal impression: an example of filling
Consider sequentially all the fields of the document. The "Account Owner" field must be filled in in strict accordance with the constituent documents of the company. If the account is opened for a branch or a separate subdivision, then the name must be indicated with a comma after the main name.
If the client is an individual, then the full name is entered. and date of birth. If the client is an individual entrepreneur, then after indicating the full name. and date of birth must be written: “individual entrepreneur”. If we are talking about a person employed in private practice, then after the full name. and date of birth you need to enter the type of activity (for example, a lawyer).
Location field. The organization enters its legal address here, individuals and individual entrepreneurs indicate the place of registration in accordance with the passport.
In the "Phone number" field, you can specify several numbers for contacting representatives of the organization.
The "Bank" field must contain the full name of the financial institution in which the current account is opened.
The field "Mark of the bank" is filled in by authorized employees of the credit institution, the client should not write anything here.
Let's move on to the design of the reverse side. Field "Abbreviated name". It is indicated only if it exists. Otherwise, the full name is repeated. Individuals here duplicate the information that was entered in the "Account Owner" field.
The line "Account number" is also filled in by a bank employee after the current account is opened.
In the field "Name" enter the persons who are authorized to sign documents. It could be one person, it could be more.
You must sign in the Sample Signature field. Signatures on bank documents will be compared with this sample in the future, so it should be one that you can easily repeat in the future, otherwise difficulties will arise.
The field "Term of office" is not filled in in all cases, you need to follow the instructions of the bank employee.
Item "Fill Date". It is necessary to enter the date when the card with samples of signatures and seal imprints was issued.
Field "Customer Signature" - the document is certified by the personal signature of the account holder.
"Sample Print". This is where you need to stamp. The print must be perfectly clear and accurate.
To do this, the seal must be well saturated with ink, but not leave a blot. It is better to practice on a separate sheet. After making sure that everything is fine, put a seal in the field without violating its boundaries. If fragments of the stamp are poorly visible on the print, the card will have to be issued again.
It is better to have a ready-made card with samples of signatures and a seal imprint in front of your eyes. An example will help you understand how to fill it correctly and accurately.
Despite the fact that there is nothing complicated in filling out the document, it is better to do it at the bank under the guidance of a specialist, and not on your own. Banks are very attentive to every detail, even too strict. Self-filling the card is fraught with the need to redo the work several times.
What to do if the organization works without a seal?
Individual entrepreneurs have the right to work without a seal, unlike legal entities. Individuals who open deposits and accounts for personal needs also do not have a seal. But the document is called "signature and seal sample card". How to be?
Everything is simple. The instructions for filling out indicate that individual clients have the right not to fill in this field. If an individual entrepreneur has a seal, then its imprint must be affixed to the card.
How to confirm the authority of persons
The card with samples of signatures and seal imprints (form 0401026) must be filled in by an authorized person.
What documents are required for confirmation?
Everyone must provide a passport. Individual entrepreneurs also provide registration certificates, legal entities - a set of statutory documents.
In some cases, notarization of the signature of the responsible person may be required.
If we are talking about a foreign organization, then a translation of documents into Russian, certified by a notary, will be required.
Where is the card stored?
The document is filled in in one copy and stored in the bank. A card with samples of signatures and an imprint of a seal is a sample with which employees of a credit institution will verify each payment document received by the bank for execution.
Card with samples of signatures and seal imprint
What card with samples of signatures and seals? This is a document in which the signatures of all company executives and the print of the main seal are recorded. This card is issued when an organization opens a current account in one of the banks. The form of this document is common for all types of companies and organizations.
It is important to know the algorithm for filling out this document correctly.
- We remind you that the form for filling out information on the card is the same for everyone, therefore the only possible changes in it are changes in the number of lines for basic information about the organization, the full name of the indicated managers and in the line where the account number is indicated.
- You can enter data on the card by hand, in blue or black ink, or you can type text on a computer.
Card with samples of signatures and seals
- Different banks require a different number of copies of this document. Detailed information can be obtained from a particular bank with which the organization is going to cooperate.
- The heads of the organization must sign in the fields "first signature" and "second signature".
- The first signature can be put by the head of the company or organization or a person who has a power of attorney as his representative.
Download a sample for review at the end of the article.
- The second signature is put by the employee who is responsible for accounting in the organization (chief accountant). This right can also be transferred by proxy. If there is no one in the organization who has such a right, then this information is recorded in the card.
- The signature on the document must be entered manually.
- To put signatures on the card, the presence of a bank employee or a notary is required. Their certifying signature must be entered in the field provided for this.