Article 846. Conclusion of a bank account agreement

1. When entering into a bank account agreement, a bank account is opened for a client or a person specified by him on a terms and conditions agreed by the parties. 2. A bank is obliged to conclude a bank account agreement with a client who has submitted an offer to open an account on the conditions announced by the bank for opening accounts of this type that meet the requirements of the law and the banking rules established in accordance with it. The bank does not have the right to refuse to open an account, the execution of the relevant operations for which is provided by law, the constituent documents of the bank and the permission (license) issued to it, unless such a refusal is caused by the bank’s lack of ability to accept banking services or is allowed by law or other legal acts . If there is an unjustified evasion of a bank from entering into a bank account agreement, the client has the right to present to it the requirements provided for by paragraph 4 of Article 445 of this Code.

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References to other articles of chapter 45. Bank account:
Article 845. Bank Account Agreement
Article 847. Verification of the right to dispose of funds on the account.
Article 848. Account operations performed by a bank.
Article 849. Terms of account transactions.
Article 850. Crediting of an account.
Article 851. Payment of bank expenses for making account transactions.
Article 852. Interest for the use of bank funds on the account.
Article 853. Settlement of counter claims of the bank and the customer on the account.
Article 854. Grounds for debiting funds from an account.
Article 855. Order of withdrawal of funds from the account.
Article 856. The responsibility of the bank for the improper performance of operations on the account.
Article 857. Bank secrecy.
Article 858. Restriction of disposal of an account.
Article 859. Termination of a bank account agreement.
Article 860. Bank accounts.