68％的企业拥有个人和企业财务的单独银行帐户。分离帐户帮助公司组织会计记录，避免超支，并准确提交税款。
You may decide to open a general business checking or savings account,工资单或商业税收帐户。无论类型如何，您都需要知道如何打开商业银行帐户。
您为什么要开设商业银行帐户？
开设业务帐户可以帮助您管理和发展业务。更不用说，开设商业银行帐户的单独法律实体的公司。
当您将业务和个人资金分开时，您可以确定业务的状况。您将确切了解您的企业有多少钱，这可以帮助您创建准确的小型企业预算和project cash flow。
Tracking income and expenses is difficult when you have mixed funds. But when you open a business bank account, you can more accurately use your bank statement to create a paper trail. And, you can compare your accounting books to your bank statement throughbank statement reconciliation无需除草您的个人资金。
If you claim business tax deductions, you need to have records backing up your claims. Mixing personal and business finances makes it difficult to prove which expenses are business and which are personal, which can trigger an IRS audit.
如何开设商业银行帐户
Setting up a business bank account is an integral part of getting your finances in order. Learn how to set up a business bank account using the following four steps.
1. Choose a bank
设立企业帐户的第一步是在银行决定。您需要找到满足您业务需求的银行，这意味着您需要确定您在业务帐户中寻找的东西。
你在找一家银行将提供一个林e of credit? Do you need specific features like cash management, deposit reconciliation, or mobile check deposit services? Consider your business’s immediate needs, as well as what you may need down the road.
只要您保持一定的余额，在某些银行中开设和管理帐户是免费的。询问周围查看每个银行的最低余额要求。
您还应该考虑是否对帐户中的资金赚取利息对您很重要。而且，有些银行可能会提供现金奖金。
如果您在管理您的个人帐户的同一银行开设商业银行帐户，则可能会获得特殊优惠。在一家银行管理个人和企业帐户也可以简化您的责任，因此您不必从银行到银行。
确定您需要的业务银行帐户要做什么。并且，在选择一家之前先检查多个银行。
2.准备文件
开设企业帐户的下一步是使您的论文按顺序进行。您需要的材料在很大程度上取决于您业务结构。
所有企业都需要一个纳税人身份证号码（即社会保险号或雇主身份证号码）才能开设企业银行帐户。如果您拥有合伙企业或公司，或者您有员工，则需要申请雇主身份证号码。
According to the小型企业管理，这些是您基于业务结构所需的文件：
独资企业
- 社会保险号或雇主身份证号码（EIN）
- 商业许可证或商业名称文件文件
伙伴关系
- Employer Identification Number
- 伙伴ship agreement
- 商业名称文件文件
公司
- Employer Identification Number
- 公司章程
LLCS
- 社会保险号或雇主身份证号码
- 组织条款
在尝试开设商业银行帐户之前，请确保您获得纳税人识别号，业务许可证，企业名称归档文件，公司章程或组织条款。您可能还会带上其他文件，以指示您的现金流预测。
3. Open the account online or in-person
After you have researched banks and collected all the necessary documents, you can open the account. You can either go to the bank to set up the account or open it online.
请记住，如果您处于以下行业之一，则需要亲自开设业务银行帐户：
- 电话销售
- 贵金属
- Gambling
- 政府
对于所有其他业务，如何开设业务帐户取决于您的喜好。您愿意亲自带您完成该过程，还是您足够舒适地在线打开它？
If you prefer the convenience of opening a business bank account on your own, you might decide to pursue the online option.
If you want to verify information or ask questions during the process, you may want to open the account in person.
4.验证一切都是正确的
Once you reach this step, your business bank account is set up! However, you need to make sure everything went through successfully.
如果您打开了业务支票帐户，请确保支票上的名称与您的业务合法名称相匹配，而不是（DBA）名称。
Make sure your deposits go through. Track the funds coming in and out of your account to make sure everything runs smoothly.
Use your business bank account in conjunction with accounting software to keep your finances in order. Patriot’s onlinevwin158 gives you an easy way to track business transactions. And, we offer free, U.S.-based support. Get your free trial today!
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