Article 845: Bank account contract

1. Under the bank account contract, the bank undertakes to accept and deposit an account that is open to the customer (account holder), the money, and to comply with the customer ' s instructions for transfer and extradition. 2. The bank may use the funds available in the account to guarantee the customer ' s right to dispose of the funds without interference. 3. The bank is not entitled to determine and control the use of the client ' s money and to establish other bank accounts that are not provided for by law or contract. 4. Cash rights held in an account shall be deemed to be owned by the client up to the amount of the balance, except for: in respect of which an order is confirmed to the recipient of the money and/or to the bank servicing it in accordance with the banking rules and the contract At the end of the period indicated, the cash in the account in respect of which there was a period of time, but not more than 10 days, was written off by the client within a specified period of time. 5. In the case of a bank account with several customers (joint account) of such a customer, it is confirmed that the customer ' s order can be executed. Only natural persons, subject to the restrictions imposed by the foreign exchange legislation of the Russian Federation, are entitled to money in an account. in proportion to the amount of money invested by each customer or third party in favour of each client, unless otherwise provided in the bank agreement In the case where a bank account contract is concluded by the client spouses, the rights to the money held in the joint account are general. 6. The rules of this chapter relating to banks shall apply to banks. 7. With regard to the relationship under the contract of the bank account with the use of an electronic means of payment and with respect to the contractual relationship of the digital ruble account, the rules of this chapter shall apply, unless otherwise provided by the law of the Russian Federation concerning The national payment system.