Locking settlement, current and deposit account called temporary restrictions on debit transactions, which is imposed by the bank.Thus transfer of incoming funds to the account occurs without any restrictions.Article 858 of the Civil Code provides two reasons for blocking the accounts:
- seizure are funds in the account - the bank blocks a certain amount, but you can use the remaining money;
- freezing of accounts - the owner can not carry out the transfer or withdrawal of funds.

These security measures guarantee the safety of the money earmarked for the repayment of debts to the state budget of the account holder, legal entity or citizen.

reasons for his arrest accounts


arrest of funds imposed by judicial authoriti
es on the basis of a court judgment or order bailiff.The grounds for the arrest say:
- a court acting as a measure of a civil action in criminal proceedings;
- a court ruling that is used as a measure to ensure the claim in civil proceedings;
- handling requirements on the debtor's property foreclosure.

procedure for the suspension of operations


Russian legislation provides for several grounds for suspension of spending operations on bank accounts.In particular, Article 76 of the Tax Code allows you to block the accounts of companies and entrepreneurs in the case of:
- Failure to comply with the tax authorities of taxes or fines, penalties;
- failure to submit a tax return on time;
- judgment on the results of a tax audit.

meaning of these locks is to ensure the possibility to recover from the taxpayer's tax arrears.The account can be enabled or after the repayment of the full amount payable to the budget or by a decision of the Federal Tax Service Inspectorate to revoke suspension of operations.

One of the most common reasons for blocking accounts is compliance Law №115-FZ, relating to the suspension of operations in the event that their conduct may be due to the legalization of criminally acquired funds or financing of terrorism.Legislators have made quite a list of transactions that are suspicious, so the banks are given the opportunity of self-suspension of debit transactions for up to 5 days.During this time, the account holder must document the "purity" of transactions or to clarify the origin of its funds.

addition, the Bank may suspend operations for up to 30 days, with a resolution of Rosfinmonitoring or completely stop debit transactions based on the relevant statement Rosfinmonitoring until its revocation.