Settlement and cash services is governed by the law "On Banks and Banking Activity", the Civil Code, as well as the regulatory framework of the Central Bank of the Russian Federation, in particular the Regulation on cash payments in the Russian Federation, Regulations on the procedure of cash transactions with credit institutions and other normative documents. In addition, between the customer and the bank is agreement on cash and settlement services.
As a rule, settlement and cash services includes the following services basic services:
- Non-cash payments;
- Transactions with cash (cash services);
- Issuing statements of account of the transaction.
It should be noted that the cash settlement services usually implies the ability to open and use not only the ruble, but also foreign currency account.
For transactions on the account, as well as cash transactions, banks use standardized forms, the most important of which are:
- Payment orders (Form 0401060) - for payments from the account;
- Form on cash deposits to the bank;
- Cashier's checks - for cash.
After signing the contract at settlement and cash services organization issued a checkbook, which is used to obtain cash for household needs of the enterprise and for the issuance of salaries to employees.
In addition to basic services, the Bank offers and additions to cash and settlement services. These additions include collection services and settlement of accounts through the remote access system "Client-Bank".
Settlement and cash services - is a service of the bank on which it earns money. Moreover, basic services, as a rule, or free, or they take a small commission. For additional services, banks charge a fee in the form of interest or in the form of a monthly maintenance costs.
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