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 deposit account. In essence, it is a paper containing samples of signatures either of officials of a certain legal entity, or the signature of an individual entrepreneur. The general procedure, as well as the conditions for the registration and use by clients of such a bank card with signatures, are set out in detail in the special Instructions of the Central Bank of the Russian Federation.
Procedure, conditions for registration and use of bank cards by clients
This document is drawn up to conduct financial transactions with assets that are placed in the accounts of both legal entities and individual entrepreneurs. To issue a card, use the prescribed 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 when preparing this document to strictly follow the rules established by the Central Bank for filling out the fields. You can view a sample form, the approved form of this document with sample signatures, on our resource in the “Samples of Documents” subsection.
What's happened card with samples of signatures and seals? This is a document that records the signatures of all company managers and the imprint of the main seal. This card is issued when an organization opens a current account in one of the banks. The form of this document is common to all types of companies and organizations.
It is important to know the algorithm for correctly filling out this document.
- We remind you that the form for filling out information on the card is the same for everyone, so the only possible changes in it are changes in the number of lines for basic information about the organization, the full names of the indicated managers and in the line where the account number is indicated.
- You can enter data into the card by hand, using blue or black ink, or you can type the text on a computer.
Card with samples of signatures and seals
- Different banks require different numbers of copies of this document. Detailed information can be obtained from the specific bank with which the organization intends to cooperate.
- The “first signature” and “second signature” fields must be signed by the heads of the organization.
- 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 reference at the end of the article.
- The second signature is placed 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 sign the card, the presence of a bank employee or notary is required. Their certifying signature must be entered in the space provided.
The bank card is drawn up on the form according to OKUD 0401026, and is presented by the client to the bank in the cases provided for by these Instructions, along with other documents necessary for opening a bank account or deposit account.
A bank card with sample signatures is filled out using a writing or electronic computer in black font or with a pen with black, blue or purple paste (ink). The use of a facsimile signature to fill out the fields of the card is not allowed.
The bank produces the number of copies of the card required for use in work. The use of card copies obtained using duplicating equipment is permitted provided that the copying is made without distortion.
Copies of the card made on paper must be certified by the signature of the bank's chief accountant (his deputy) or a bank employee authorized by the bank's administrative act to issue the card.
Instead of copies, it is possible to use additional copies of cards provided by the client.
In the case of one bank operational employee servicing several client accounts and provided that the list of persons authorized to sign is identical, the bank has the right not to require the issuance of a card for each account.
In cases and in the manner provided for in banking rules, the bank is allowed to use a copy of the card obtained using scanning devices, certified by an analogue of the handwritten signature of the bank’s chief accountant (his deputy) or an authorized person. In this case, it must be possible to reproduce a copy of the card obtained using scanning devices on paper in the form established by Appendix 1 to these Instructions.
Card forms are prepared by clients and the bank independently.
The bank will not accept a card with a different number or arrangement of fields.
An arbitrary number of lines is allowed in the fields “Account owner”, “Cash checks issued”, “Other notes”, “Last name, first name, patronymic” and “Signature sample”, taking into account the number of persons vested with the rights of the first or second signature, as well as in the field "Bank account N."
When producing a card, it is allowed to indicate interlinear translation of the fields of a bank card in the languages of the peoples of the Russian Federation, as well as in foreign languages.
The “Sample of seal imprint” field must provide for the possibility of affixing a seal imprint with a diameter of at least 45 mm, without going beyond the boundaries of this field.
The right of first signature belongs to the client - an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the legislation of the Russian Federation.
The right of first signature may belong to individuals on the basis of an appropriate power of attorney issued in cases and in the manner established by the legislation of the Russian Federation, an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the legislation of the Russian Federation.
The right of first signature belongs to the head of the client - legal entity (sole executive body), as well as other persons (except for the persons specified in paragraph 7.6 of these Instructions) vested with the right of first signature by an administrative act of the client - legal entity, or on the basis of a power of attorney issued in in the manner established by the legislation of the Russian Federation.
The head of a separate division of a client - a legal entity, if he has the appropriate powers, has the right, by his administrative act or on the basis of a power of attorney issued in the manner established by the legislation of the Russian Federation, to grant the right of first signature to the employees of this separate division.
In cases and in the manner provided for by the legislation of the Russian Federation, the right of first signature may be transferred to the manager or management organization.
If a management organization performing the functions of a sole executive body grants its employees or employees of a client - a legal entity the right of first signature on behalf of the client - a legal entity, such a right can be granted on the basis of an administrative act of the management organization or a power of attorney issued in the manner established by the legislation of the Russian Federation.
The sole executive body of the management organization may act as the person having the right of first signature.
The right of the second signature belongs to the chief accountant of the client - a legal entity and (or) persons authorized to maintain accounting records, on the basis of an administrative act of the client - a legal entity.
Persons authorized to maintain accounting records in a separate division of a client - a legal entity, may be granted the right of a second signature on the basis of an administrative act of the head of this separate division, if he has the appropriate authority.
If accounting management is transferred in accordance with the procedure established by the legislation of the Russian Federation to third parties, the client - a legal entity can grant the right of a second signature to these persons.
The head of a client - a legal entity, an individual entrepreneur and the chief accountant of a client - a legal entity may not be indicated in the card as persons vested with the right of the first or second signature, respectively, provided that the right of the first or second signature is vested in other persons.
To issue a card, only documents confirming the status of the persons indicated on the card are submitted to the embassy or consulate. If an international treaty ratified in accordance with the procedure established by the legislation of the Russian Federation provides for the right of an embassy or consulate official to certify the authenticity of signatures of employees of the relevant embassy or consulate, then the bank has the right to accept a card in which the authenticity of the signatures of these employees is certified by the specified official.
The right of first or second signature can be granted to several employees of a legal entity at the same time. Giving one individual the right of first and second signature at the same time is not allowed.
If the head of a client - a legal entity, conducts accounting in person in cases provided for by the legislation of the Russian Federation, the handwritten signature (signatures) of the person (persons) entitled only to the first signature is affixed to the card.
In this case, in the card opposite the field “Second signature” in the fields “Last name, first name, patronymic” and “Sample signature” it is indicated that the person entitled to the second signature is absent.
A sample of the seal of a legal entity (branch, representative office) affixed by the client on the card must correspond to the seal that the client has. The temporary administration for the management of the credit organization affixes a seal made in accordance with the legislation of the Russian Federation, which determines the procedure for the activities of the temporary administration for the management of the credit organization.
The bankruptcy trustee (liquidator), external manager affixes the stamp of the seal used by him in the implementation of bankruptcy proceedings (liquidation), external management.
The authenticity of handwritten signatures of persons vested with the right of first or second signature may be certified by a notary. The bank accepts a card in which the authenticity of the signatures of all persons entitled to the first or second signature is certified by one notary.
The card can be issued without notarization of the authenticity of signatures in the presence of an authorized person in the following order:
- The authorized person establishes the identities of the persons indicated on the card on the basis of the submitted identification documents.
- The authorized person establishes the powers of the persons indicated in the card based on the study of the client’s constituent documents, as well as documents conferring the corresponding powers on the person.
- The persons indicated on the card, in the presence of an authorized person, affix their handwritten signatures in the appropriate field of the card. Blank lines are marked with dashes.
- To confirm the signatures of the indicated persons in the presence of an authorized person, the authorized person at the bank premises fills out the field “Place for a certification inscription attesting to the authenticity of signatures” of the card.
The card is valid until the bank account agreement is terminated, the deposit account is closed, or until it is replaced with a new card. In case of replacement or addition of at least one signature and (or) replacement (loss) of a seal, change of surname, name, patronymic of the person indicated on the card, in cases of change of name, organizational and legal form of a client - a legal entity, or in case of early termination of authorities management of the client in accordance with the legislation of the Russian Federation, as well as in the event of suspension of the powers of the client’s management bodies in accordance with the legislation of the Russian Federation, the client submits a new card.
Submission of a new card to the bank must be accompanied by the simultaneous submission of documents confirming the authority of the persons indicated on the card to dispose of funds in the bank account, as well as documents identifying the person (persons) vested with the right of first or second signature. The bank does not have the right to accept a new card without submitting the specified documents, except in cases where the specified documents were submitted to the bank earlier and the bank already has them.
The bank has the right, at the written request of the client, to make changes to the fields “Location (place of residence)”, “tel. N” of the card.
The Bank has the right to independently make changes to the “Term of Office” field of the card.
Cases when changes are allowed to the fields “Location (place of residence)”, “tel. N”, “Term of office” of the card are determined by the bank in the banking rules.
In the event that a change in the bank account number or deposit account is due to the requirements of the legislation of the Russian Federation, the bank has the right to independently make appropriate changes to the “Bank account N” and “Bank mark” fields of the card.
The procedure for making changes and corrections to the fields bank card determined by the bank independently in banking rules. When making changes and corrections, the text is crossed out with a thin line so that what has been crossed out can be read.
If the right of the first or second signature is granted temporarily to persons not indicated on the card, temporary cards issued in the manner prescribed by these Instructions are presented with the card. In this case, the “Temporary” mark is placed in the upper right corner on the front side of the card.
To carry out settlements with funds in customer accounts, cards are issued.
The card includes the signatures of the client’s officials who have the right to sign for settlements, as well as the seal of a legal entity, the seal of an individual entrepreneur, a notary, a lawyer (if any).
Responsibility for the accuracy of the information included in the card rests with the account owner.
Card forms can be produced by printing or using electronic computing technology, as well as using duplicating technology (provided that the copying is made without distortion). If there is not enough space to include all the necessary data on the card, it can be drawn up on two sheets.
Forms of cards with sample signatures and seal imprints should not exceed the size of an A4 sheet (210 x 297 mm), but may be smaller than this format.
The card is filled out by the account holder or an authorized employee of the Bank using writing or electronic computers in black font or a pen with black, blue or purple paste (ink).
The card columns are filled out in accordance with Appendix 17.
The authenticity of the signatures of persons who have the right to sign documents for making payments on the card is certified by an authorized employee of the Bank or a body authorized to perform notarial acts (at the request of the account owner), unless otherwise provided by the legislation of the Republic of Belarus and (or) this Procedure.
For customer accounts that do not have persons on staff who have the right to sign for the second (which must be recorded on the card with samples of signatures and seals), a card with a sample of only the first signature of documents for settlements may be submitted to the Bank Division. Responsibility for the accuracy of the data provided rests with the account holder.
Certification of the authenticity of the signatures of persons authorized to sign documents for making payments and the client’s seal on the card is carried out by an authorized employee of the Bank in the following order:
Establishing the identity of those entered into the card based on the submitted identification documents;
Establishing the powers of a person entitled to open an account, based on the study of constituent documents, documents granting the person the appropriate powers.
The persons indicated on the card, in the presence of an authorized Bank employee, affix their handwritten signatures in the appropriate field of the card.
In the column “Sample of seal impression” the client puts down a sample of the seal impression (if available) or makes a note about the absence of a seal.
Blank lines are marked with dashes.
To confirm the signatures of these persons in the presence of the client, an authorized employee of the Bank certifies the authenticity of the signatures and a sample of the seal imprint.
The certification inscription is placed on the back of the card in the place reserved for witnessing the signature(s) of authorized persons of the account holder. In this case, the full name must be indicated. and the name of the position of an authorized employee of the Bank in accordance with the staffing table, and also indicate the name of the Bank Division (for example: Natalya Ivanovna Petrova, chief economist of the corporate business center of the directorate of OJSC Belinvestbank in the Brest region).
The certification inscription is certified by the seal of the Bank Division (if necessary, a special seal can be made in the prescribed manner).
The original card is scanned for electronic storage in the BARS IMS.
The original card on paper is placed and stored in the file. Additional copies (electronic copies) of cards are produced by the Bank by electronic scanning and are intended for use by executors on statements.
If the information to be included in the card changes, the account holder is obliged to immediately notify the Bank and issue a new card within one month from the date of change in the specified information.
If the card requiring replacement is not issued within the specified period, the Bank refuses to execute the account owner’s documents for making payments until the new card is issued.
If the right to sign documents for making payments is temporarily granted, as well as when one of the persons with the right to sign documents for making payments is temporarily replaced for a period of no more than two months, a new card may not be issued. In this case, the account owner submits to the Bank a temporary card with sample signature(s) of the person(s) temporarily having the right to sign documents for making payments, the accuracy of which is certified by the account owner (hereinafter referred to as the temporary card). The validity period of a temporary card should not exceed two months. (Appendix 18)
