Bank account and why is it needed?

Each bank's many clients. Because each customer of the bank is making money in the bank, banks are forced to keep records of how much money each client has made (or took the money) from the bank, the bank is needed to fulfill all obligations to the client. The bank can not take the money and put in a "common pot".

To personalize the operation of each customer, banks must write a separate cash transactions of its customers. To do this, banks and offer each customer account, relatively speaking, account - a record of all your operations with money in the bank.

All this is good. But for what, and why you bank account?

That's it - why you need a bank account? For answers to these questions, there are a few reasons. The first - the bank can send money on your behalf at your location. After all that money? Medium of exchange. Goods and services to those who produce them, changing the money. Modern man consumes a lot of services. For example, each month you may need to pay for: an apartment, telephone, intercom, garage, internet, mobile phone, etc.

In this case, as long as you consume these services, you have a contract with those who provide these services, as well as these services are likely to organizations, each organization must have (must have at law) in which the account- a bank.

So: you stand to have to pay the organization and the organization has an account in a bank. You can pay in two ways: to come to the accounting department of the organization whose services consume, and to withdraw cash from the cashier.

Or, open an account in any bank (because you can send money from any bank in any) and pay the necessary organization of wire transfer directly from your bank account, they withdraw money from your account and the bank will be transferred to the bank account of the organization to which you gathered to pay. I think you are all clear?

You do not have to spend valuable and necessary for you and make trips to the accounting department in every organization to which you want to pay, just come to the bank and give the payment order for transfer of funds, the money will reach the destination without your participation.

For example, you need to send a postcard to Magadan, you can go there yourself and give it to the addressee, or you can go to the post office, buy a postcard and send it by mail, of course, the second is much easier and cheaper. Just as mail sent your card, the banks send your money - just tell me where and to whom, the bank will do the rest.

So the first reason why you need a bank account - your need to periodically send payments to various organizations whose services you use, so that you save your time and effort.

Too many people are de facto use of this service. What happens when a person comes to the savings bank to pay the rent receipt? Savings from taking your money and sends the payee listed on the receipt, and this is exactly what I described above, the only difference is that you wrote not the Savings Bank where the money to send, and this has already been written on the receipt in advance, and not you.

You may ask me: why I bank account, it should be open, and then another to fill in the receipt, where the money to send, and then I throw in the mailbox has all ready? This is true, but there are two big BUT. First, these receipts are waiting for you only in the savings bank, and many are not enthusiastic about the long queues and discourteous operatsionnistov! this bank, besides, if you work a lot, chances are you will be able to go there only on weekends, when there are people even more, to spend half a day off to pay the bills - not the best use of the weekend.

By opening an account with any other bank, you can get personalized, friendly service and no queues with long working day or even around the clock service - and on weekends you can relax. SECOND. You can open an account in a bank that supports the Internet banking service, and then to send the payments you do not have to go to the bank, you will send the necessary payments out of the house when it's convenient.

After all, you probably have not go to the post office to rearrange its business partners a paper letter? Of course, all for a long time use e-mail - it's faster, easier and cheaper. Send money now - no more difficult than to send an email using Outlook; it does not have to personally appear in the bank - enough to have a bank account, which can offer you a service of Internet banking.

As I said, you can send money from any bank in any, which means that opening a bank account with internet banking, you can pay for any organization in Russia, and you do not have to go for it in the bank, simply run the program you want to your computer and everything.