In order to provide a more agile service to financial users, the Superintendency of Banks has created the Certificate of Current Account Holders, this document will let you know if you are in a position to manage a checking account.
In this article we will let you know everything related to Certificate of Current Account Holders, requirements, how to request it, where to request it and we will explain more fully what this document is about.
Read on, this article is for you!
Requirements for the Certificate of Current Account Holders
If among your plans is to request the Certificate of Current Account Holders, you should know that you will have to meet a series of requirements that are mandatory Quiet! They are not difficult requirements to achieve. Next, we will indicate what documentation you need to carry out this process.
- Full names and surnames.
- Valid identity document or passport.
- Personal email address.
This certificate is very important to have, since it will show if you are enabled or disabled, either because you have been serving a penalty or due to non-payment of fines from protested checks. In this way, we will proceed to explain the steps you must follow to obtain the Certificate of Current Account Holders.
Steps to Obtain the Online Checking Account Holders Certificate
The Superintendency of Banks is in charge of issuing the Certificate of Current Account Holders online, from the comfort of your home. Also, you must have a good Internet connection, in order to avoid any inconvenience when loading your data. You will be able to obtain your certificate in the following way:
- You will select the web browser of your choice, either Google Chrome or Mozilla Firefox.
- After you select the browser, it will search the website of the Superintendency of Banks.
- You will select the option «Checking Accounts» and then select the option «Access to the Account Holder Certificate System.»
- You will choose the type of identification, be it RUC, passport or identity card. You will have to digitize it.
- You will enter the validation code that appears on the screen.
- You will read the statement and accept it.
- Finally, you will click on the «Obtain Certificate» option to automatically download the report. The system will download the document in a PDF file. In this way you will be able to print it.
It is important to clarify that this online document will only be generated if you are enabled, disabled users must enter the system and then go to the Services Balcony of the Superintendency of Banks nationwide.
Steps to Obtain the Certificate of Current Account Holders Face-to-face
In case you prefer to carry out the process in person, you must have all the requirements (already explained in the «requirements» section) in an organized way, all documents must be perfectly up-to-date. This will help you to complete the procedure more quickly.
- You should go to the Superintendency of Banks.
- Then, you will take a turn to later present your identity document at the Banco de Servicios.
- They will ask for your email and phone number.
- Finally, it will request your Certificate of Presential Checking Account Holders.
As you could see, completing this procedure either online or in person is extremely fast and simple, you just need to have the requested documentation at hand and follow all the steps correctly.
You should bear in mind that this procedure has no cost, that is, it is totally free and has a validity of 15 days from the moment it is delivered to you. Now, we will explain where you can request this document and who can do it. Read on, pay close attention! Here we will leave you all the information.
Where to request it and who can do it?
We know that He Certificate of Current Account Holders It is a very important document and should be kept on hand, since this will allow verifying if you are authorized to manage a checking account, this certificate can be requested by the following people:
- Ecuadorian natural person.
- Foreign natural person.
- Ecuadorian citizens of legal age.
- Foreign citizens of legal age.
- Personal legal person and private legal person.
- Foreign legal person.
- Private companies incorporated in the Ecuadorian territory.
- Public financial entities.
- Legal persons incorporated abroad.
These people who are authorized to request the Certificate of Current Account Holders, must take into account that they will be able to carry out the process in person or online. If you are one of the people who prefers to carry out this process in person, you should know that you can request it at the following offices:
Address and Telephone Numbers QUITO. Address: Av. 12 de Octubre N24-185 and Madrid. IP Trunk Telephones: 299 76 00/299 61 00. Hours of Operation: Reception of documents and attention at the Services Balcony: 8:30 am to 4:30 pm. Office hours: 8:30 a.m. to 5:00 p.m.
Intendancy of GUAYAQUIL. Address: Chimborazo 412 between Clemente Ballén and Aguirre. Telephones: (04) 370 42 00 / (04) 232 65 20. Office hours: 8:30 am to 5:00 pm.
Intendancy of BASIN. Address: Antonio Borrero 710 and Presidente Córdova. Telephones: (07) 283 59 61 / (07) 283 42 44 / (07) 283 44 61. Office hours: 8:30 a.m. to 5:00 p.m.
Intendancy of PORTOVIEJO. Address: Pedro Zambrano Izaguirre No. 637 between Paulo Emilio Macías and América. Telephones: (05) 263 49 51 / (05) 263 48 84 / (05) 263 58 10. Office hours: 8:30 a.m. to 5:00 p.m.
Legal Bases
ARTICLE 65
ARTICLE 66.
In addition to the payment of the fine of ten percent (10%) on the value of each protested check, it will be disqualified for a period of one (1) month for the management of current accounts in which it acts as holder, joint signature or signature authorized in the financial system, as well as will be disqualified from opening new checking accounts or writing checks in said system for that period, as of the date of the last protest that originated the sanction.
ARTICLE 67.
All personal checking accounts opened in your name in the financial system will be obligatorily closed; will be disqualified from opening checking accounts or writing checks in said system; and, may not act as an authorized firm for one (1) year from the date of imposition of the sanction.
ARTICLE 68.
All current accounts opened in your name in the financial system will be obligatorily closed; will be disqualified from opening checking accounts or writing checks in said system; and, may not act as an authorized firm for three (3) years from the date of the imposition of the sanction.
What is the Certificate of Current Account Holders?
We know that a checking account is a contract between the bank and a person, in which you can deposit your money and this in turn can be drawn through a debit card with this card you can make money transfers at ATMs and make purchases at establishments.
By obtaining this account, you will be able to fully dispose of your money through the automatic teller machine, window, checks, electronic transfers, among others. In this way, making use of your money will be much easier for you.
Likewise, it is important to note that the checking account is used to receive the deposits of the person’s salary. In addition, this account may be affiliated with a checkbook or a credit card, in this way, if the client decides to obtain a credit, he will be able to pay it with discounts thanks to the checking account.
The Certificate of Current Account Holders It is a document that certifies whether a citizen is enabled or disabled to handle checking accounts, in the case of checking accounts with a history of protested checks, it contains the details of said checks and the date of compliance with the sanction .
The information contained in this certificate is generated by financial entities and sent to the Superintendency of Banks for consolidation. This certificate will be used to be presented in the different entities of the controlled system, public or private entities or any other body that requires it.
What are you waiting to get your Certificate of Current Account Holders?
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