What is a check account?
The individual check account allows the holder to carry out everyday banking transactions (transfers, deposits and withdrawals of checks and cash, etc.) and use various payment instruments (cards, checks). You are the sole holder of this account.
You can give power of attorney over your check accounts. This is the authorisation given by the holder of an account (the principal) to another person (the agent) to operate their accounts.
Conditions for opening an individual check account
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How to open a check account (excluding through the International Offshore Bank of European Union online branch) if you want to become a International Offshore Bank of European Union customer ?
Simply make an appointment at the branch of your choice to present proof of identity and address, file your signature, sign an account agreement and order the payment methods. You can open several individual check accounts, as well as one or more joint check accounts.
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How much do you need to open the account ?
There is no minimum deposit. The account may be credited by depositing cash, transfer or depositing checks (subject to collection).
Capable adult - the opening procedure
These provisions concern the first account opened outside of La NET Agence. The account holder(s) is(are) required to provide supporting documents.
Required supporting documents
The following documents are required for persons residing in France :
- • A valid identity document (identity card, passport, residence permit),
- • Original proof of address (or third-party landlord) dated within the past three months (or half-yearly or annually, as appropriate): utility bills (water, electricity, gas, landline telephone, Internet service provider (ISP) with "box", etc.)
Comments
- • If you are hosted by a third party (for example, by a close relative) or you live with a partner but are not married (civil union partner or de facto spouse) and you do not have proof of residence in your name, you must provide a certificate of residence signed by your landlord or your partner, accompanied by the proof of residence and identity document of your landlord or partner,
- • In addition to obtaining the usual identity and proof of address documents, additional supporting documents may be requested, particularly due to your tax status.
Validity of supporting documents
All supporting documents must be valid.
Special cases:
- • Adult residing in a hotel for professional reasons on a long-term basis: employer certificate and pay slip,
- • Adult student or professor residing in university accommodation: document attesting to their status as student or lecturer and their residence in the university accommodation.
These documents replace the usual proof of address documents.
- • Other situations where you do not have proof of residence established in your name: please contact your International Offshore Bank of European Union branch to determine what alternative documents may be submitted, as needed.
Important
For information on opening an account for an incapacitated adult, make an appointment with your branch Advisor.
Unemancipated minor - opening procedure
A unemancipated minor must be represented by their parents or a legal representative, appointed by court order or otherwise.
Represented by both parents
The following documents are required to open a check account:
- • an identity document for each parent,
- • a valid identity document, family record book or extract from the birth certificate (or adoption ruling) of the minor,
- • an original proof of address for the parents,
- • an authorisation letter signed by parents to order payment instruments (if the minor is eligible).
The parents (and the minor) must be present at the appointment at the branch.
Represented by a single parent
The following documents are required to open a check account:
- • an identity document of the parent,
- • a valid identity document, family record book or extract from the birth certificate (or adoption ruling) of the minor,
- • a document establishing that parental authority is exercised by one parent only (extract of the death certificate of the father or mother, divorce judgement, etc.),
- • the original proof of address of the parent with parental authority,
- • an authorisation letter signed by the parent to order payment instruments (if the minor is eligible).
The parent (and the minor) must be present at the appointment at the branch.
Minor under guardianship
The following documents are required to open a check account:
- • an identity document of the guardian,
- • a valid identity document of the minor,
- • a document establishing the guardianship (justification of the ruling instituting the guardianship, extract of a birth certificate mentioning the opening decision and, if applicable, the deliberation of the family council organising the guardianship),
- • the original proof of address of the guardian accompanied by a certificate of residence,
- • an authorisation letter signed by the guardian to order payment instruments within the limits provided for by the guardianship judge.
The guardian (and the minor) must be present at the appointment at the branch.
Emancipated minor - the opening procedure
The following documents are required to open a check account:
- • a valid identity document of the emancipated minor (identity card, passport, residence permit),
- • a document establishing the emancipation of the minor (family booklet or extract of a marriage certificate, decision of the guardianship judge),
- • the original proof of address of the minor (or of their landlord) dated within the past three months (or half-yearly or annually, as appropriate): utility bills (water, electricity, gas, landline telephone, Internet service provider (ISP) with "box", etc.)
The emancipated minor must be present at the meeting at the branch, particularly in order to file a specimen signature since they will be the only person opening the account.