When an enterprise opens an account in a bank, it needs to reserve a seal in the bank, that is, the financial seal and the name seal of the legal representative (or its authorized person) (commonly known as "small seal").

The seal should be stamped on a piece of card paper and left in the bank. When an enterprise needs to make external payment through a bank, it must first fill out an application for external payment, which must be like a seal.

After checking, the bank can make payment on behalf of the enterprise after confirming that the seal on the application for external payment is consistent with the reserved seal.

Extended data:

Change the principle of reserving bank seal:

1, the principle of "trade-in". The depositor will affix a full set of reserved seals on the back of the new "seal card", which must be checked with the original reserved seal to meet the basic conditions for printing change.

2, issued by the law enforcement agencies "certificate" principle. When the depositor is unable to provide the original seal due to the theft of the seal, the stolen person shall report the case to the public security organ, and after obtaining the filing certificate issued by the public security organ (which shall specify the loss of the seal), he may go through the formalities of change together with a written application.

3. Where an enterprise depositor changes the reserved official seal or financial seal, but cannot provide the original reserved official seal or financial seal, it shall issue the original seal card, account opening permit, original business license, proof from the judicial department and other relevant documents to the account opening bank.

4. When an individual loses, replaces the reserved personal seal or changes the signatory, he shall issue a written application for signature confirmation to the bank where the account is opened, and attach the original reserved seal or the signatory's personal identity certificate.

5. The principle of "trade-in" should be adhered to after delivery the next day. The opening date indicated on the new seal card is the delivery date, or the opening date is before and the delivery date is after, and it will not be accepted.

6. Except for the "announcement" issued by the court in the newspaper, any other "statement" has no legal effect. The practice of changing the chapter with the letter of introduction is extremely risky, which may lead to the bank being involved in judicial disputes.

Reference source: Baidu Encyclopedia-Bank reserved seal