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Bank Statement
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<blockquote data-quote="Brianwill" data-source="post: 484" data-attributes="member: 15"><p><strong>Bank statement - what is it for and how to get it</strong></p><p>A bank statement is a document that reflects account movements for a certain period, as well as the final balance. We will tell our readers for what purposes a bank statement is taken, how to order it and what information can be obtained using this document.</p><p></p><p><strong>Content:</strong></p><ul> <li data-xf-list-type="ul">Bank statement document</li> <li data-xf-list-type="ul">How do I get a bank statement?</li> <li data-xf-list-type="ul">Electronic bank statement</li> <li data-xf-list-type="ul">Bank statement on the organization's account</li> <li data-xf-list-type="ul">Features of document formation</li> <li data-xf-list-type="ul">Checking a bank statement</li> <li data-xf-list-type="ul">Doubts about electronic statements</li> <li data-xf-list-type="ul">Bank statement: sample</li> <li data-xf-list-type="ul">What information is indicated in the statement?</li> <li data-xf-list-type="ul">How does an accountant check and process statements?</li> <li data-xf-list-type="ul">Why is a bank statement issued for individuals</li> </ul><p></p><p><strong>Bank statement document</strong></p><p>The bank statement contains the following information:</p><ul> <li data-xf-list-type="ul">The name of the bank and its correspondent account;</li> <li data-xf-list-type="ul">Full name of the client and his account number;</li> <li data-xf-list-type="ul">Account currency;</li> <li data-xf-list-type="ul">Movement on D-that and K-that and the total sums of crediting and writing off;</li> <li data-xf-list-type="ul">Information about contractors;</li> <li data-xf-list-type="ul">Balance at the beginning and end of the specified period.</li> </ul><p>Working with a bank statement is to view: where and in what volume the funds were transferred from the account, the size and sources of the credited amounts, and also find out the final balance.</p><p></p><p>This information is useful for such actions:</p><ul> <li data-xf-list-type="ul">Account movements control;</li> <li data-xf-list-type="ul">Reports to tax and other regulatory authorities;</li> <li data-xf-list-type="ul">Visa processing and other purposes.</li> </ul><p></p><p><strong>How do I get a bank statement?</strong></p><p>There are several ways to get a bank statement. Can:</p><ul> <li data-xf-list-type="ul">Contact a bank branch with a passport and card (agreement, passbook, etc.);</li> <li data-xf-list-type="ul">Receive a mini-statement by SMS;</li> <li data-xf-list-type="ul">Print it out at an ATM (usually shows the last 7-10 transactions);</li> <li data-xf-list-type="ul">Issue a statement online, through the Internet banking system;</li> <li data-xf-list-type="ul">Order the regular receipt of an electronic statement or a statement sent by mail.</li> </ul><p>In order to obtain more detailed information about the transactions performed - names of purchases, accrued commissions, addresses where payment was made - an <em>extended</em> bank statement is issued.</p><p></p><p><strong>Electronic bank statement</strong></p><p>If you are registered in the Internet Banking system, you can view and print an electronic account statement in your personal account using the “Statement” menu.</p><p>Regular electronic statements can also be received by email. To do this, you need to contact the bank with supporting documents. Such an extract is no different from a paper document. To certify it - to put the seal, signature and stamp of the bank - you need to contact the branch.</p><p></p><p><strong>Bank statement on the organization's account</strong></p><p>Information about transactions performed on the account is reflected in the statement. In other words, a bank statement on the organization's account enables the company's accountant to know the actual information about the state of the current account and see all movements on it. An employee of the company files a bank statement to the primary documents (payment order), according to which the funds were flowing through the account.</p><p>The statement reflects the movement of the company's own finances (income, expense).</p><p>A document is issued to an official employee of the enterprise by the bank's service personnel, sent by mail or electronically every day, unless other terms have been previously agreed upon by the parties.</p><p></p><p><strong>Features of document formation</strong></p><p>Statements in most cases are issued the next day after the movement of money through the organization's bank account. The features of the formation of the document are important - these are two columns in which debit and credit are reflected. The first reflects the funds debited from the account, the second - those made to the crediting account.</p><p>The company's account in a credit institution is a settlement account, in other words, the bank stores money belonging to the client on it. Considering the debtor, the financial institution displays the account balance as accounts payable. Due to the fact that the company's account for the bank is passive, the balance of funds is displayed in the loan statement. The funds written off from the organization's account reduce the debt of the credit institution, so the debt to the client becomes less. For the organization, everything is exactly the opposite.</p><p></p><p><strong>Checking a bank statement</strong></p><p>Financial documents are processed and bank statements are checked on the day they are received by the company's accountant.</p><p>The duties of the accounting department of a company or enterprise include:</p><ul> <li data-xf-list-type="ul">check and attach all supporting documents for the statement of crediting and debiting funds;</li> <li data-xf-list-type="ul">check all the records in the statement with the primary documents. If inconsistencies and discrepancies are found in the documents, the accountant is obliged to urgently contact the employee of the banking institution;</li> <li data-xf-list-type="ul">in the right field of the statement, the accountant puts down the account codes. They are put in front of the corresponding amounts;</li> </ul><p>The actions of the accountant help to control the funds of the enterprise, generate information for the auditing authorities, bring documents to a finished form before their final archiving.</p><p></p><p><strong>Doubts about electronic statements</strong></p><p>Accountants working at enterprises that have implemented an electronic document management system ("Accounting 1C", "Client-Bank") have doubts about electronic statements, how they should be stored correctly and whether they should be printed.</p><p>There are no regulatory documents that would directly allow or prohibit the storage of electronic statements in PDF format, so the situation becomes somewhat more complicated. At the same time, the rule of Article 9 of the Federal Law No. 129 is in effect, according to which the enterprise is obliged, upon the request of the inspection bodies or another authorized person, to produce at its own expense and submit the primary documents in electronic form.</p><p>Many banks, after switching to the Internet service system, refuse to issue the required statements, offering customers to independently print and certify documents as needed.</p><p></p><p><strong>Bank statement: sample</strong></p><p>If the company independently maintains more modern financial accounting, then it would be correct to install an electronic bank for its convenience. The accountant will personally be able to monitor all the movements of funds in the accounts of the reporting enterprise, while the bank statement can be easily printed independently at any time without interruption from work.</p><p>To fill in such a form manually, a standard bank statement is suitable: the sample can be downloaded on the Internet, opened in the Excel editor and already there make the necessary edits. The main thing is that the document contains the necessary information.</p><p></p><p><strong>What information is indicated in the statement?</strong></p><p>Bank statements may look slightly different because they are printed using different techniques. It is more important to find out what information is indicated in the statement.</p><ul> <li data-xf-list-type="ul">"Posting date" - the date of the transaction on the client's account;</li> <li data-xf-list-type="ul">“Beneficiary's account” - the beneficiary's current account number;</li> <li data-xf-list-type="ul">"VO" - type of financial transaction;</li> <li data-xf-list-type="ul">"Nom. doc. Bank "- incoming document number;</li> <li data-xf-list-type="ul">"Nom. doc. Client "- No. of the payment document;</li> <li data-xf-list-type="ul">"BIC of Corr Bank" - BIK of the beneficiary's bank;</li> <li data-xf-list-type="ul">“Corr. Account "- the correspondent account of the bank;</li> <li data-xf-list-type="ul">Payer's account - payer's account number;</li> <li data-xf-list-type="ul">"Debit" (client's arrival);</li> <li data-xf-list-type="ul">"Credit" (customer expense).</li> </ul><p></p><p><strong>How does an accountant check and process statements?</strong></p><p>Only an employee of the company officially authorized for this can receive a bank statement. The list of such persons is compiled by the head of the organization and the chief accountant. Usually the accounting staff handles the financial documents.</p><p>How does an accountant check and process statements? The employee receives bank statements, checks the accompanying documents, comparing the amounts and dates. In case of discrepancy in the information, the employee is obliged to urgently contact the bank. Some accountants, for their own convenience, when checking the statement, mark in the fields of the document the offsetting accounts, which will be useful for posting. On the same day, it is necessary to make verified statements in the system of the movement of funds in the enterprise. By applying the “double entry” rule, the accountant can post each transaction in such a simple way.</p><p></p><p><strong>Why is a bank statement issued for individuals</strong></p><p>A bank statement is sometimes necessary for individuals. Why is a bank statement issued for individuals and when is it needed?</p><ul> <li data-xf-list-type="ul">When closing a loan agreement, such a document is a confirmation that the borrower has fulfilled his obligations to the bank.</li> <li data-xf-list-type="ul">An extract will come in handy when considering a loan case in a court for overdue debt. The document reflects all withheld interest, fines and payments. If you bring the loan agreement and the statement, you can get a recommended letter, which the court sometimes takes into account and this will help to write off fines and penalties.</li> <li data-xf-list-type="ul">An account statement is required when obtaining a visa, confirms the person's ability to pay.</li> </ul><p>An account statement helps keep track of the finances on a debit card.</p></blockquote><p></p>
[QUOTE="Brianwill, post: 484, member: 15"] [B]Bank statement - what is it for and how to get it[/B] A bank statement is a document that reflects account movements for a certain period, as well as the final balance. We will tell our readers for what purposes a bank statement is taken, how to order it and what information can be obtained using this document. [B]Content:[/B] [LIST] [*]Bank statement document [*]How do I get a bank statement? [*]Electronic bank statement [*]Bank statement on the organization's account [*]Features of document formation [*]Checking a bank statement [*]Doubts about electronic statements [*]Bank statement: sample [*]What information is indicated in the statement? [*]How does an accountant check and process statements? [*]Why is a bank statement issued for individuals [/LIST] [B]Bank statement document[/B] The bank statement contains the following information: [LIST] [*]The name of the bank and its correspondent account; [*]Full name of the client and his account number; [*]Account currency; [*]Movement on D-that and K-that and the total sums of crediting and writing off; [*]Information about contractors; [*]Balance at the beginning and end of the specified period. [/LIST] Working with a bank statement is to view: where and in what volume the funds were transferred from the account, the size and sources of the credited amounts, and also find out the final balance. This information is useful for such actions: [LIST] [*]Account movements control; [*]Reports to tax and other regulatory authorities; [*]Visa processing and other purposes. [/LIST] [B]How do I get a bank statement?[/B] There are several ways to get a bank statement. Can: [LIST] [*]Contact a bank branch with a passport and card (agreement, passbook, etc.); [*]Receive a mini-statement by SMS; [*]Print it out at an ATM (usually shows the last 7-10 transactions); [*]Issue a statement online, through the Internet banking system; [*]Order the regular receipt of an electronic statement or a statement sent by mail. [/LIST] In order to obtain more detailed information about the transactions performed - names of purchases, accrued commissions, addresses where payment was made - an [I]extended[/I] bank statement is issued. [B]Electronic bank statement[/B] If you are registered in the Internet Banking system, you can view and print an electronic account statement in your personal account using the “Statement” menu. Regular electronic statements can also be received by email. To do this, you need to contact the bank with supporting documents. Such an extract is no different from a paper document. To certify it - to put the seal, signature and stamp of the bank - you need to contact the branch. [B]Bank statement on the organization's account[/B] Information about transactions performed on the account is reflected in the statement. In other words, a bank statement on the organization's account enables the company's accountant to know the actual information about the state of the current account and see all movements on it. An employee of the company files a bank statement to the primary documents (payment order), according to which the funds were flowing through the account. The statement reflects the movement of the company's own finances (income, expense). A document is issued to an official employee of the enterprise by the bank's service personnel, sent by mail or electronically every day, unless other terms have been previously agreed upon by the parties. [B]Features of document formation[/B] Statements in most cases are issued the next day after the movement of money through the organization's bank account. The features of the formation of the document are important - these are two columns in which debit and credit are reflected. The first reflects the funds debited from the account, the second - those made to the crediting account. The company's account in a credit institution is a settlement account, in other words, the bank stores money belonging to the client on it. Considering the debtor, the financial institution displays the account balance as accounts payable. Due to the fact that the company's account for the bank is passive, the balance of funds is displayed in the loan statement. The funds written off from the organization's account reduce the debt of the credit institution, so the debt to the client becomes less. For the organization, everything is exactly the opposite. [B]Checking a bank statement[/B] Financial documents are processed and bank statements are checked on the day they are received by the company's accountant. The duties of the accounting department of a company or enterprise include: [LIST] [*]check and attach all supporting documents for the statement of crediting and debiting funds; [*]check all the records in the statement with the primary documents. If inconsistencies and discrepancies are found in the documents, the accountant is obliged to urgently contact the employee of the banking institution; [*]in the right field of the statement, the accountant puts down the account codes. They are put in front of the corresponding amounts; [/LIST] The actions of the accountant help to control the funds of the enterprise, generate information for the auditing authorities, bring documents to a finished form before their final archiving. [B]Doubts about electronic statements[/B] Accountants working at enterprises that have implemented an electronic document management system ("Accounting 1C", "Client-Bank") have doubts about electronic statements, how they should be stored correctly and whether they should be printed. There are no regulatory documents that would directly allow or prohibit the storage of electronic statements in PDF format, so the situation becomes somewhat more complicated. At the same time, the rule of Article 9 of the Federal Law No. 129 is in effect, according to which the enterprise is obliged, upon the request of the inspection bodies or another authorized person, to produce at its own expense and submit the primary documents in electronic form. Many banks, after switching to the Internet service system, refuse to issue the required statements, offering customers to independently print and certify documents as needed. [B]Bank statement: sample[/B] If the company independently maintains more modern financial accounting, then it would be correct to install an electronic bank for its convenience. The accountant will personally be able to monitor all the movements of funds in the accounts of the reporting enterprise, while the bank statement can be easily printed independently at any time without interruption from work. To fill in such a form manually, a standard bank statement is suitable: the sample can be downloaded on the Internet, opened in the Excel editor and already there make the necessary edits. The main thing is that the document contains the necessary information. [B]What information is indicated in the statement?[/B] Bank statements may look slightly different because they are printed using different techniques. It is more important to find out what information is indicated in the statement. [LIST] [*]"Posting date" - the date of the transaction on the client's account; [*]“Beneficiary's account” - the beneficiary's current account number; [*]"VO" - type of financial transaction; [*]"Nom. doc. Bank "- incoming document number; [*]"Nom. doc. Client "- No. of the payment document; [*]"BIC of Corr Bank" - BIK of the beneficiary's bank; [*]“Corr. Account "- the correspondent account of the bank; [*]Payer's account - payer's account number; [*]"Debit" (client's arrival); [*]"Credit" (customer expense). [/LIST] [B]How does an accountant check and process statements?[/B] Only an employee of the company officially authorized for this can receive a bank statement. The list of such persons is compiled by the head of the organization and the chief accountant. Usually the accounting staff handles the financial documents. How does an accountant check and process statements? The employee receives bank statements, checks the accompanying documents, comparing the amounts and dates. In case of discrepancy in the information, the employee is obliged to urgently contact the bank. Some accountants, for their own convenience, when checking the statement, mark in the fields of the document the offsetting accounts, which will be useful for posting. On the same day, it is necessary to make verified statements in the system of the movement of funds in the enterprise. By applying the “double entry” rule, the accountant can post each transaction in such a simple way. [B]Why is a bank statement issued for individuals[/B] A bank statement is sometimes necessary for individuals. Why is a bank statement issued for individuals and when is it needed? [LIST] [*]When closing a loan agreement, such a document is a confirmation that the borrower has fulfilled his obligations to the bank. [*]An extract will come in handy when considering a loan case in a court for overdue debt. The document reflects all withheld interest, fines and payments. If you bring the loan agreement and the statement, you can get a recommended letter, which the court sometimes takes into account and this will help to write off fines and penalties. [*]An account statement is required when obtaining a visa, confirms the person's ability to pay. [/LIST] An account statement helps keep track of the finances on a debit card. [/QUOTE]
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