The Bank Account Contract serves as the foundational document establishing the legal relationship between a Swiss bank and its clients. This contract is essential for any individual or entity seeking to open and maintain a bank account in Switzerland, whether for personal, business, or investment purposes. The document comprehensively covers account operations, services, fees, and regulatory compliance requirements under Swiss law, including specific provisions required by the Swiss Federal Banking Act, Anti-Money Laundering regulations, and Data Protection laws. It reflects Switzerland's sophisticated banking environment and strong tradition of banking privacy while incorporating modern banking practices and digital services. The contract is designed to protect both the bank's and client's interests while ensuring compliance with Switzerland's strict banking regulations and international standards.
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1. Parties: Identification of the bank and account holder(s), including full legal names and addresses
2. Background: Brief context of the agreement and the banking relationship being established
3. Definitions: Key terms used throughout the agreement, including banking-specific terminology
4. Account Services: Core banking services provided, including account types, currency, and basic operations
5. Account Operation: Rules for operating the account, including deposits, withdrawals, and payment processing
6. Customer Instructions: Methods and requirements for giving instructions to the bank, including authorized signatures
7. Fees and Charges: Standard banking fees, account maintenance charges, and payment processing fees
8. Interest: Interest rates applicable to the account, calculation methods, and payment frequency
9. Account Statements: Frequency and format of statements, verification procedures, and dispute resolution
10. Security and Access: Security measures, online banking access, and authentication requirements
11. Data Protection and Banking Secrecy: Handling of personal data and banking information under Swiss law
12. Anti-Money Laundering Compliance: Customer due diligence requirements and ongoing monitoring obligations
13. Termination: Conditions and procedures for closing the account by either party
14. Governing Law and Jurisdiction: Application of Swiss law and jurisdiction for disputes
1. Joint Accounts: Additional terms for accounts with multiple holders, used when account has multiple parties
2. Overdraft Facility: Terms for overdraft services, included when overdraft facility is offered
3. Payment Cards: Terms for debit/credit cards linked to the account, included when cards are issued
4. Electronic Banking Services: Detailed terms for online and mobile banking, included when such services are provided
5. Foreign Currency Accounts: Additional terms for foreign currency holdings, included for multi-currency accounts
6. Investment Services: Terms for investment-related services, included when investment services are offered
7. Safe Deposit Box: Terms for safe deposit box services, included when such service is provided
8. Special Instructions: Any specific instructions or arrangements unique to the customer
1. Schedule of Fees and Charges: Detailed list of all applicable fees, charges, and commission rates
2. Interest Rate Schedule: Current interest rates for different account types and balance tiers
3. Required Forms: Standard forms including signature cards and tax declarations
4. General Banking Conditions: Standard terms and conditions applicable to all banking relationships
5. Electronic Banking Terms: Detailed terms and conditions for electronic banking services
6. Data Privacy Notice: Detailed information about data processing and privacy protection
7. Cut-off Times: Schedule of cut-off times for various banking transactions
8. Specimen Signatures: Authorized signatures for account operation
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