You must have an account in order to use banks individually. This account opening may seem like an easy task. But what is in question in opening a bank account many protocols are available. Even if you do not see this much, the signatures you make during account opening give you the necessary information on this subject. Most of us do not even read the documents we sign, and if we do, you can understand what conditions entail opening an account.
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To open a personal bank account Various requirements, such as when you are over 18 are available. There are also things you need to know to decide which bank to open an account from. We have shared the details of all these issues with you below. After reviewing these items, we recommend that you open your personal bank account and read the documents you signed first. In this way, you can use your bank account without encountering any problems.
Things to Consider When Opening an Individual Account
As banks started to hisse attention to the needs of individual customers, many types of services have emerged. In order to benefit from these services, it is necessary to open an individual account first. Many transactions such as loan usage, deposit, money withdrawal, EFT, money order, investment are processed through individual bank accounts. I think so nowadays Over the age of 18 many people have individual accounts.
As I mentioned, the account opening process is very simple. However, when you decide to open an individual account, it is important for you to do some research. Because the rules applied by each bank in opening individual accounts are not the same. By doing their research and investigation, most logical It is better to work with the incoming bank.
Especially the majority of the working people have an account to get their salaries. People with individual bank accounts are provided with convenience in many matters. Also, if you use web banking on your accounts, you can do most of your transactions online at any time.
In this way, you can make many issues such as your payments, money transfers, account checks yourself, like a banker, without going to the bank. It is useful to know how to open an individual account that makes our life so easy. Very easy Although it is a transaction, you should be aware of the documents you should be careful about and keep when opening an account.
Initial Account Opening Fee
Although this rule is not used much today, there are still banks that apply it. They may say that when banks open individual accounts, a minimum amount of money must be deposited in order for the account to be activated. I think this situation is quite unnecessary. If you think it is unnecessary, you should check it at the bank where you will open an account before applying. Or, if it is not a sorun for you, you can research what these amounts are.
Commissions for your account
Through banks’ accounts in certain periods ‘account management fee’ özgü the right to receive. While some banks do not use this right, there are those who do. Likewise, there may be transaction commissions on your accounts. They can receive fees per transaction from their services such as EFT, money order, and payment. When opening your individual customer account, the account maintenance fee and transaction commissions You should hisse attention. If you do not want to be subject to such charges, by doing research in banks for you zero or minimum expense You can make your opening process at the institution that applies.
Branch and ATM Density
There are very few banks that do not have branches and ATMs in our country. However, not every bank özgü the same density of branches or ATM services. It is useful to check the number of branches of the bank where you plan to open an account and where they are located. Especially how many branches are in the area you will use intensively and you should check if they are within reach whenever you want. ATM It is beneficial for you to enter the research in the same way. ATMs offer a service where you can make your transactions whenever you want. For this reason, you should be aware of how many ATMs your bank özgü and what is the distribution. You can easily use the websites of the banks to obtain such information.
Channels You Can Use for Account Opening
You do not need to go to the bank over and over again to open your personal account. There are many options available to you for your application. In this way, you can easily open your account by choosing the method that best suits you.
branches
If you have time, you can open your account face-to-face with your banker. If you want to have an account in which bank and branch, you can go there and start the account opening process. If you have it with you the required information and documents If you have prepared in advance, your account will be opened in a short time from the bank branch. When you go unprepared, you may have to visit the branch once again.
Web Branches
If you do not have a lot of time, you can also use web branches to open a personal bank account. You can look here to have detailed information about retail banking. Of your preferred bank by logging into the web branchYou click the option in the biçim of opening a bank account. After you fill in the necessary information, they will return you from the bank. In this way, after your transactions are made, you can go to the branch and complete your signature transactions, depending on the bank applications. Thus, your account is opened and you can start using it.
Customer service
Each bank özgü a customer service unit to be used when necessary. By phone 24/7 You can also open your account at this unit you can reach. You call the bank’s customer service and indicate that you want to open an individual customer account. By answering the information asked by the official on the other end of the phone, your account opening process takes place at the branch you want.
Documents Required When Opening an Individual Account
Banks need a lot of information about you while opening your accounts. This information Article 73 of the Banking Law No. 5411 on “Keeping Secrets” must be stored accordingly. Therefore, the requested information belonging to you cannot be obtained by third parties or banks cannot use it for their own interests. Therefore, you can easily give the ‘necessary information’ to banks.
Your Legal Identity Document
For you to open a personal account at the bank birth certificate is necessary. Or in our country legally substituting identity cards driver’s license, passport like The Republic of Turkey identity number must be a document containing. It is impossible to open an account without any of these documents.
Address They Can Reach You
Some banks may need a certificate of residence to open your account. Some banks also accept that only this information is given verbally. Address information that varies according to banks is very important. Current use home or work address it is beneficial. Because one of the sources that the bank contacts you is the address.
Your Personal Information
The most important information in the personal information section is your mobile phone number. You perform important transactions such as updates on your accounts and use of web banking with the activation of your mobile phone number. Therefore, it is important to share your current mobile phone number with the bank.
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Signing the Account Opening Agreement
The contracts you have to sign at the time of opening an individual account differ between banks. Although it says the same things in general framework, some details may be different. For this reason, it is very important to read contracts. All of these agreements that you can use in your account transactions, commission and account maintenance fees There are explanations such as. It can also appear as a personal customer contract or a basic banking product biçim. It is important that such documents are read and signed and that you keep a copy of them.
After signing the contract, your account opening processes are performed. After your account is opened Web banking Do not forget to open the application. In this way, you can easily do most of your transactions at any time you want. Generally, your bank card, which you will use for your account, comes to your address or branch behind. Defined to your account your bank card When you arrive, if you have a balance, you can use it for shopping and get rid of the trouble of carrying cash.
