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Procon-SP guides on open current accounts

15/08/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

 

 


Time to open a checking account is essential for consumers to be informed about their rights. It is important, for example, know that the bank can not condition the opening of the account for the purchase of other services or products (insurance, credit card, savings bond, among others) and may not be required any deposit. Check other guidelines below:


Documents required

To open the account, it is essential to have at hand documents such as RG, CPF and proof of residence (one bill, for example). If the client is a minor, permission is required from the responsible. It is noteworthy that the bank may also request other documents (such as proof of income, for example).

Salary account

If you need a bank account essentially for receiving salary or retirement, the salary account is right for you. The bank does not charge for its use, but the consumer may have to pay charges if you use some service beyond included. The client does not have the use of checks or deposits from sources other than the own salary. The services account includes are:

 using Card;
 5 withdrawals;
 2 balance consultations;
 2 monthly statements;
Partial transfer of credit, if made to another financial institution.
Packages of banking services

Packages are listed in the services to be hired. The user selects the time of opening the account, which best fits your needs. Among the options, the bank must provide is the List of Essential Services to be provided. In it the consumer is entitled to:


provision of debit card function;


providing duplicate debit card, except in cases arising from loss, theft, theft or damaged card;


conducting up to four withdrawals per month, cash counter, including by check or bank check, or automatic teller machine;


conducting up to two transfers per month of funds between accounts at the institution;


providing up to two statements per month, containing the movement of the past 30 days through window box and / or automatic teller machine;


consultations through the internet;


supply, by February 28 of each year, the consolidated statement, detailing, month to month, the amounts charged in the previous year relating to tariffs;
clearing checks;


supply up to ten sheets of checks per month, provided the customer meets the requirements for the use of checks, according to current regulations and conditions agreed; eprestação any service through electronic means, in the case of accounts whose contracts provide for use exclusively electronic media.


The Central Bank, through Resolution 4.196/2013 determined that financial institutions offer some standard packages (which may be charged), in order to facilitate comparison by consumers. See more about the theme here.

Recalling that the bank can not impose contatação a package to the consumer and must respect their right to choose.


Source: Procon SP

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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