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Two receipts changed the personal account. How to find out the personal account of Rostelecom? How to find out the personal account of a Sberbank credit card

The document "Changing a personal account" is intended for changing information on an existing personal account. Consider the application of this document in the program 1C: Accounting in the management companies of housing and communal services, HOA and ZhSK .


You can create a new document in the menu "Manage personal accounts - Change personal account":

Or in the directory "Personal accounts" ("Manage personal accounts - Personal accounts" menu), by selecting the necessary personal account and creating a document on the "Journal of documents" tab:



When creating a document, the date of change, organization, personal account and type of operation are indicated.


There are 3 types of operations in the document:



Allows you to perform operations such as registration of residents (permanent or temporary), deregistration, fact of residence, absence of residents. After specifying the type of operation, you need to select the appropriate type of change.


Let's consider in more detail.

    Registration (temporary registration)- designed to provide registration to the tenant, establish the degree of relationship, as well as fill in information about the property.


    Example. It is necessary to permanently register the son of the responsible owner on a personal account from 04/01/2019. The son is the owner with a share of 1/2. To reflect the registration, perform the following steps:


    Note:

    if it is necessary to reflect the temporary registration of a tenant, then in the tabular part of the document you need to indicate the end date of registration:



    If necessary, the “Owner of a single dwelling” checkbox is selected (the setting can be used when creating consumption standards and is available when the setting “Keep a record of owners of a single dwelling” is set in the “Program settings (housing and communal services)” on the “Program functionality” tab).

    - designed to remove a tenant from registration. The document is automatically filled in by previously registered tenants. Adding new tenants is not possible:


    In the line with the tenant who needs to be deregistered, the corresponding checkbox and the deregistration date are set.


    Example. It is necessary to remove from the registration of the tenant Chanov Egor Pavlovich from 04/01/2019. To do this, in the document, next to the name of the tenant, check the box "Remove from registration" and indicate the date of deregistration:


    Presence (temporary presence)- is intended to reflect the presence or temporary presence (if the date of departure is indicated) of the tenant, as well as to establish the degree of relationship. The document also displays previous tenants, information on them cannot be edited.


    Example. From 04/05/2019 to 04/10/2019, a tenant is temporarily present on a personal account. Add it to the document by clicking the "Add" button, check the "Residing" box and specify the period of residence:


    Absence (temporary absence)- is intended to reflect the absence or temporary absence (if a return date is indicated) of the tenant. The document is automatically filled in by existing tenants. Adding new tenants is not possible.

    In the line with the tenant whose absence needs to be registered, the “Absent” flag and the period of absence are set. For example, it is known that the owner of the apartment was absent from 04/15/2019 to 04/30/2019, to do this, check the box and specify the period:



Similar to the previous types of changes, the personal account is indicated in the document. The "Previous Data" section is filled in automatically by the current owner. In the "New data" section, the new owner is indicated.


For example, on a personal account, the responsible owner has changed since 04/15/2019. In the "New data" section, we indicate the new responsible owner:


If the responsible owner is a tenant, then a table becomes visible in which it is necessary to indicate what kind of relationship the current tenants of the personal account have with the new responsible owner.


The changes made will affect the formation of a personal account receipt, as well as other reports that provide for the withdrawal of personal account holders.

With this document, you can do the following:

    Installation / removal of registration.

    Installation / removal of a label about accommodation.

    Setting the degree of relationship.

    Setting the owners (with a simplified method of accounting for data on owners).

    Setting the shares of owners (with a simplified method of accounting for data on owners).

    Sets the owner label of a single occupant.

    Sale of an apartment.


Instructions for reflecting the sale of an apartment apartment.


Note:

to change the data for mutual settlements in accounting (counterparty and contract), the document "Management of information for mutual settlements on personal accounts" is used. Instructions are available at.

Financial and personal account - a document drawn up for a dwelling that belongs to citizens under a contract of employment, social employment or on the basis of ownership. It reflects all issues related to payments made by the owner or tenant of the premises for the use of it, for utilities, management and maintenance of an apartment building.

At the same time, a personal account is not a document establishing the rights of a tenant of residential premises to use, own and dispose of them, as well as common property for the owner of premises in an apartment building. The main document establishing the rights of tenants of residential premises is a social contract of employment. It is concluded between the owner of the dwelling (for example, the municipality) and the citizen who occupies it on the basis of an order or decision of the executive authority that provided this dwelling.

The financial and personal account contains information about the type and nature of the dwelling (a separate apartment or a communal one, its area and number of rooms, the floor where the apartment is located, the number of floors in a residential building, the degree of deterioration of the house, etc.). It also provides information on the degree of improvement of the apartment and the utilities provided (is there central heating, plumbing, electricity, gas stove, gas water heater, sewerage, bath, garbage chute, elevator, etc.).

The financial and personal account contains information about all persons living in this residential area. This information is taken into account when calculating fees for the use of a particular residential building and the utilities provided.

A financial and personal account is opened for the apartment as a whole. If the apartment is owned, information about all owners is entered into it, indicating their share of ownership. The main tenant is determined by a written application made in the passport office. In the application, in the presence of all the owners of this apartment, their consent to this is given.

A separate financial and personal account can only be opened for an adult and capable citizen of the Russian Federation. He must live and be registered in this apartment.

If the apartment is owned, then in order to open or change a financial and personal account, you must submit to the passport office:

  • a document confirming the right of ownership;
  • maintenance contract;
  • passport;
  • a document confirming the right to change the financial and personal account.

If the apartment is in municipal ownership, then in order to open a financial and personal account, its residents must submit the following documents to the passport office:

  • contract of employment, social tenancy or lease (that is, a document confirming the right to reside in this residential area);
  • maintenance contract;
  • passport;
  • agreement to change the financial and personal account.

Any changes in the financial and personal account are made with an indication of the document giving the right to make them. In addition, the date and signature of the passport officer must be put.

Purchase and sale of housing

Buying and selling a home is a very complex operation, accompanied by a large number of documents. The financial and personal account is also involved in this process, so the owner of the dwelling needs to visit the operating office serving this property. After submitting an appropriate request, he is provided with an extract from the house register. It contains the entire history of the apartment being sold - when and who was registered in it, registered and discharged.

An extract from the financial and personal account is also issued. It shows the amount of rent payments, indicating which payments are included in it. In addition, a certificate of absence of debts on utility bills is issued. These papers are valid for one month, so the sale and purchase of residential property must take place within this period.

The buyer of residential property needs to re-register the financial and personal account for the new owner. To do this, contact all resource-supplying organizations.

To re-register personal accounts, it is necessary to submit an appropriate application to the passport office at the place of purchase of the residential premises. Along with it, you should submit a passport, a contract of sale and a certificate of ownership. If there is more than one owner, each must apply.

At the same time, you need to register at the place of purchase of property. If the new owner is not registered in the apartment, all utilities, payment for gas and electricity will be carried out at higher rates. You do not need to deregister at the previous place of registration on your own - this procedure will be performed by the passport office.

Then you need to take a certificate of the number of persons registered in the residential premises or their absence. After that, you should submit an application to the unified information settlement center (EIRC) for reissuing a financial and personal account for a new owner. If there are several owners (the apartment was acquired in shared ownership), the remaining owners must write a statement of consent to re-register the financial and personal account for a specific person.

When reissuing invoices for payment for gas, electricity, telephone number to a new owner, you should have a passport, a sales contract, a certificate of ownership and a certificate of the number of registered persons or their absence. It is advisable to check whether the former owners have paid all the payments so that there are no disputes over the payment of debts.

If the number of persons registered in the residential premises has changed, it is necessary to recalculate the payment for housing and communal services (if meters are not installed and payment is based on actual use). To do this, you must provide an extract from the house book, received in the passport office.

The re-issuance procedure will require a large number of copies of the main documents to be submitted to each of the resource supplying organizations. It is better to prepare them in advance.

Account section

Often there is a need to separate a personal account. If the apartment has several co-owners, and payment documents were issued to one of them, then when dividing the property, it is also necessary to separate personal accounts - so that everyone pays only for their share of the apartment.

The section of a personal account may imply: the division of bills for utility bills, obtaining a separate certificate of ownership of a dwelling or part of it, concluding a social tenancy agreement and determining the procedure for using the dwelling. It is necessary to be aware of the difference between a financial and personal account (for apartments under a social tenancy agreement) and an owner's record card (for apartments in ownership). Separation procedures for them differ in legal consequences.

The Housing Code, adopted in 2004, does not contain special provisions on the division of a personal account. According to Decree No. 14 “On some issues that have arisen in judicial practice in the application of the Housing Code of the Russian Federation” of the Plenum of the Supreme Court of the Russian Federation of July 2, 2009, a family member of the tenant is not entitled to require the landlord to conclude a separate social contract with him. Meanwhile, the ban on the conclusion of a separate contract of social employment does not mean a ban on the division of a personal account as such.

A divided personal account determines for a particular person the living space for which he must pay. The invoice section helps resolve disputes about payment procedures. The payer is not responsible for the debts of his co-owner of the apartment. However, the section does not affect debts that have arisen earlier.

When splitting an account, the following conditions must be met:

  • the presence in the apartment of an isolated living space (one or more rooms);
  • the area of ​​the isolated room must correspond to the share of a family member who wants to share a personal account;
  • the kitchen area should not be less than 6 square meters (this provision was recognized by the Supreme Court of the Russian Federation as not applicable).

A refusal in the personal account section can be obtained if at least one of the rooms is recognized as unsuitable for permanent residence. The reasons for this may be the following:

  • the width of the room does not exceed 2 meters;
  • the entrance to the room is already 70 cm;
  • the window overlooks a closed courtyard, the area of ​​\u200b\u200bwhich is less than 5 by 5 meters;
  • the distance from the windows to the wall of the opposite building is less than 3 meters.

In these cases, the conclusion of a separate contract of employment is not possible. Also, people living in the office premises do not have the right to conduct a section of a personal account.

In the absence of obstacles to the division of a personal account, the following documents must be submitted to the Office of the Department of Housing Policy and Housing (AHP and ZhF) of your administrative district:

  • an application for the division of a personal account (for a change in the contract for renting a dwelling);
  • applicant's passport;
  • plan of the apartment indicating the areas of the rooms from the BTI;
  • a copy of the financial and personal account;
  • extract from the house book;
  • a certificate stating that the applicant has independent earnings;
  • the written consent of the other tenants of the apartment to the division of property and the new procedure for the use of residential premises.

After reviewing the submitted documents, the UCPD of the administrative district concludes two lease agreements - one with the former tenant of housing, the other for the allocated part of the living space with a member of the tenant's family. At the same time, a separate financial and personal account is opened for each of them.

If the tenants of the apartment could not agree, or the landlord refused to change the lease agreement, it is possible to go to court. The statement of claim is submitted along with the same documents that are sent to the Office of Public Housing. They are accompanied by copies of statements of claim according to the number of defendants (they are the rest of the persons living in the apartment), the landlord's refusal to conclude a separate rental agreement (if any) and a receipt for payment of the fee.

Not privatized housing

If the housing is municipal, then it is issued to the responsible tenant. A separate personal account is opened in his name, according to which utility payments are accrued and repaid. In some cases, this account can be divided, but only by changing the corresponding contract of employment.

According to the Housing Code of the Russian Federation (Article 61), each adult family member has the right to demand the conclusion of a separate rental agreement for residential premises. This can only be done with the written consent of the other adult family members. At the same time, the share of living space must be at least 1 isolated living room in this apartment.

The reason for the division of a personal account may be a divorce, the departure of the responsible tenant from the apartment or his death, etc. This reason is indicated in the application for reissuing a personal account, which is submitted by all tenants together to the housing office, if they do not object to the division of the account.

Among the documents submitted, there must be a document confirming the reason for the section of the account (certificate of divorce, on the provision of a separate apartment to the responsible tenant, on death, etc.). New employment contracts and separate invoices for each contract are issued within a week.

Privatized housing

If the property is in the hands of several owners, then it can be registered both in joint ownership and with the definition of shares. However, it is possible to divide personal accounts in a privatized apartment only with shared ownership. Otherwise, according to the Housing Code of the Russian Federation, when family relations with the owner of the housing are terminated, the right to use the residential premises is also terminated.

If the apartment was divided into shares during privatization, then each of the family members is the owner of his part. Therefore, he can dispose of his share at his own discretion.

In this case, during the division, a person receives a separate personal account according to the share that is registered in his property. At the same time, it does not matter whether it is possible to allocate a separate room in the apartment - the share is drawn up per square meters of property. The apartment itself turns from one object of ownership into several. Each share has its owner, who has his own personal account. According to this account, the owner pays utility bills.

If the owners have reached an agreement on the division of an apartment that is jointly owned into shares, then they need to draw up a list of the documents required for this at the notary and determine the sequence of actions. If there is a conflict, the plaintiff should file a claim for the allocation of a share in the apartment to the justice of the peace.

When all problems are resolved, and the apartment is divided into shares, it is necessary to re-register the contract for the maintenance of the apartment. To do this, at the housing office at the place of residence, owners submit applications for the division of the financial and personal account and copies of certificates of state registration of ownership of shares in the apartment.

resettlement

The personal account section allows the transformation of an ordinary apartment into a communal one. The resettlement of communal apartments is a rather complicated and lengthy process. The state resettlement program is being implemented extremely slowly. However, residents can perform this procedure on their own if their intention to leave is serious.

Resettlement is carried out by selling a communal apartment and buying separate housing for all residents. First of all, it is necessary to privatize the existing apartment - more precisely, each tenant privatizes his living space. If the apartment is located in a departmental building, you must first obtain a positive decision on the transfer of this housing from departmental subordination.

Then you need to determine the price of the apartment for sale. The proceeds from its sale must be sufficient to purchase separate housing for all participants in the resettlement. At the same time, it should not be too high, otherwise there is a risk of not selling the apartment.

After determining the price, it is necessary to calculate the amounts attributable to each financial and personal account in the apartment. This makes it possible to plan the amount for the purchase of new housing, taking into account all expenses. You should accurately calculate how many square meters of the total area falls on each financial and personal account. In this case, the norm of non-residential area is calculated in proportion to the norm of residential area.

Before the sale, all documents necessary for processing transactions must be collected, the consent of the guardianship authorities for families with minor children must be obtained. After resolving the above issues, the apartment is sold, and in return, separate housing is purchased for each participant in the resettlement.

Personal account for an apartment opens for all residential premises (house, apartment), regardless of the form of ownership. That is, housing can be both privately owned and municipally owned.

According to the personal account, you can track information on payment of payments for the use of residential premises, whether it is the owner or the tenant. It must also be said that he is not on the owner on one or another right to own housing, but directly to the apartment(house, dorm room, etc.). If several people live in the room, then the personal account will contain data about this.

This document contains data about the apartment, about the responsible tenant and about the persons living with him, etc.

A financial and personal account may be in cases provided for by law (for example, with housing). The exception is the account section.

To obtain an extract, the responsible tenant must apply with the corresponding statement to the management company. The term for the production of such a document is no more than three days. You can also contact the multifunctional center and use such a public service.

How to find out the personal account of the apartment

In order to find out information about the personal account of an apartment, a person registered in it needs to contact the management company that manages the apartment building or the homeowners association (HOA), if the owners have chosen direct management. You can also order this information through Multifunctional Center.

In order to obtain an extract from the personal account, you must submit the following documents:

  1. identity document of the applicant. As a rule, this is a passport;
  2. right-affirming documents, namely a certificate of state registration of rights (extract from the USRR), a contract for social rental of housing, etc.

Extract from the personal account

An extract from the personal account is a document containing data on the area of ​​​​the premises. Based on these data on the area, utility bills are calculated.

The extract is confirmation the fact that a citizen and lives at a specific address.

According to the personal account, you can see the debt or lack of debt in payments for the maintenance of the dwelling.

A document of this kind is issued by the management company or HOA. To obtain it, you must contact the company or the HOA. As a rule, the finished document can be obtained in two or three days. The extract can be used within one month. After this period, it becomes invalid.

Extract from the personal account must contain the following data:

  1. personal data about the responsible tenant, allowing him to be identified;
  2. information about the apartment (apartment number, floor on which it is located, number of rooms in the room, etc.);
  3. about what amenities the residents of the apartment use (heating, plumbing, electricity, natural gas, elevator, availability of a bathroom, etc.);
  4. about the total area (it is necessary to indicate the residential and non-residential area) of the apartment;
  5. information about persons registered in the premises (last name, first name, patronymic, date of birth, passport data or birth certificate data, etc.).

How to open an apartment account

The personal account is opened on specific apartment, which can accommodate several residents. In connection with which it opens to a responsible tenant.

In order to become responsible The tenant must meet the following criteria:

  1. The citizen must be of legal age.
  2. Legal capacity, that is, a person must be aware of and give an account of his actions.
  3. The person must be registered in this residential area.

To open a personal account for an apartment, you must present the following: documentation:

  1. certificate of state registration or in the case when the apartment is municipal - a social tenancy agreement;
  2. the basis document, namely the contract of sale, contract of donation, etc.;
  3. act of acceptance and transfer of the apartment;
  4. passport;
  5. if the interests of the tenant are represented by an authorized person, then a power of attorney.

It must be borne in mind that the documents must be submitted in copies and originals. Originals are required for verification with copies.

Opening upon change of ownership

Re-issuance of a financial and personal account is required when transferring ownership to another person. For this it is necessary apply to the governing body. Next, you should contact the single information and settlement center to renegotiate contracts for a new owner with power engineers, a water supply organization, a gas supply organization for the supply of resources.

You must have with you documentation:

  1. passport;
  2. certificate of registration of rights, social contract of employment for a new owner, tenant;
  3. certificate of the number of registered persons in the apartment.

Separation of a personal account

A section of a personal account becomes necessary when such a situation occurs that more than one family living in a separate household lives in the apartment, but the responsible tenant must pay. This happens, for example, when spouses divorce, who are forced to live together in the same place of residence, but in different rooms, as well as when children create their own families.

Separation of personal accounts is only the distribution of responsibilities of people living together to pay utility bills.

It must be borne in mind that this does not entail a change in the terms of the contract of social employment for each resident.

The application of such measures allows two separately families with separate households pay only according to their personal account, which allows solving disputes about who consumes more.

How to split bills in a council flat

It is possible to separate a personal account if the apartment is in municipal ownership and is used by the tenant, but as judicial practice shows, not in all cases. The Housing Code of the Russian Federation (hereinafter referred to as the Housing Code of the Russian Federation) does not provide for the division of a personal account into a municipal apartment.

But, nevertheless, in accordance with paragraph 4 of Art. 69 of the Housing Code of the Russian Federation, if a citizen has ceased to be a member of the employer's family, then he does not lose his rights in relation to housing. At the same time, he is solely responsible including non-payment of utility bills.

From the systematic interpretation of the norms of the LC RF, it follows that the parties, if it is necessary to separate a personal account, can conclude an agreement among themselves for payment of payments for the maintenance of the apartment. However, there are cases when it is not possible to reach an agreement and the parties to the conflict go to court.

But the court will take into account whether the procedure for pre-trial dispute resolution. The parties should try to come to an agreement by drawing up a notarial agreement, as well as apply to a single information and settlement center with a statement about account split. If a refusal follows, then it must be written and justified. It will also need to be presented to the court.

The responsible employer must submit statement of claim in court with the requirement to determine the shares of each person living in the apartment. In this case, the court will determine the shares of each user and indicate to whom what share is to be paid on utility bills.

But at the same time, the conclusion of a separate social employment agreement will not follow, since the current Housing Code of the Russian Federation does not provide for such a procedure. A similar position is set out in the Decree of the Plenum of the Supreme Court of the Russian Federation dated July 2, 2009 No. 14 "On some issues that have arisen in judicial practice in the application of the Housing Code of the Russian Federation".

The citizen applied to the court demanding the division of the personal account into a municipal apartment. This apartment was previously provided under a social contract as a service housing to her husband. She divorced her husband, and the husband has not paid utility bills for a year now.

The court refused to satisfy the claims, since it is impossible to divide the personal account into official housing.

Is it possible to separate bills in a privatized apartment?

It is possible to split a personal account if the apartment is registered in shares. If it is held for one owner, then the division of the account does not make sense.

If the apartment is in shared ownership without specifying the square meters owned by each of the owners, then allocation of shares in kind and subsequent division of the personal account are possible only in court.

The court will dismiss the claim if:

  1. the apartment is privately owned by a citizen;
  2. an arrest or other encumbrance has been imposed on the apartment;
  3. housing is service.

It is possible to open a separate personal account only if it is for a separate room in the apartment, not adjacent to other rooms. In addition, it must comply with sanitary and technical standards.

Citizen Popova filed a lawsuit demanding the division of bills for utility bills. After a divorce from her husband, the apartment was registered in shared ownership of ½ each. The husband has not paid utility bills for two years now and she bears all the burden of expenses for the apartment. She also asked to recover half of the payments paid for two years from her ex-husband.

The husband filed a counterclaim, where he said that he pays the payments regularly. Citizen Popova paid payments from her personal card and submitted a bank statement to the court. The court granted the claim in full.

Conclusion

A personal account for an apartment is issued regardless of its form of ownership (private or municipal). The personal account is opened for the responsible tenant. It can be the owner of the apartment or its tenant.

It must be borne in mind that they can only be an adult, capable citizen registered in this apartment.

To make various kinds of transactions with an apartment, you must submit an extract from your personal account. It is she who is a document confirming that this citizen is registered in the apartment, as well as about the existing or missing debt on utility bills.

In the case when the apartment is registered in shared ownership and it became necessary to separate personal accounts for utility bills, then it is possible to agree between the co-owners by drawing up a notary agreement. When you can't reach an agreement, you need to go to court.

In this case, the court will satisfy the requirements if the apartment meets the sanitary and technical requirements.

Question

Re-registration of financial and personal account

The account is in my father's name. He died, but nevertheless the bills still come in his name. What should be done if the apartment is municipal?

Answer
It is necessary to apply to the owner of the housing stock (Administration or Department of Property) to conclude a social tenancy agreement with a new responsible tenant.

The easiest way to get a personal account is to find it on the receipt provided by the company at the address of the payer.

If the receipt is lost for various reasons or you are a new tenant, in this case, the easiest way is to contact the Mosenergosbyt customer service center by phone or in person. If you make a call, then in order to receive a personal account, you will need to give the address, as well as the date and amount of the last payment. When visiting in person, you must have a passport.

If you are registered on the company's website, then it is available in the user's personal account.


How to change a personal account when changing ownership

To change his personal account, the former owner will have to contact the Mosenergosbyt office. In this case, you need to make all payments, if there is a debt.

And also provide documents:

  • on the purchase and sale, as well as a certificate of ownership;
  • passport;
  • current meter readings.


How to connect an additional personal account

An additional personal account can be connected to the same email address (e-mail).

For this procedure, you need to log into your registered account on the Mosenergosbyt online resource and find the option “Connecting a personal account”. To do this, you will need to specify the required personal account, as well as the number of the metering device corresponding to this account.


If everything is filled in correctly, a message will appear on the successful creation of an additional account. Please note that if it was previously linked to another email, then creation will not be possible. To solve this problem, you need to contact the contact center.

Conclusion

All the necessary information can be found on the Mosenergosbyt website. Most of the operations you can perform using your user account. And if you have any questions, you can always contact the hotline.

Reissuing a personal account in case of a change of residence is not a one-day process. This procedure will require a number of documents. You need to take certain actions.

Reissue a personal account in a situation where your housing is not privatized

  • Certificate of income at the place of work and its copy.
  • BTI plan. You can take it from the state registration authorities.
  • Cadastral passport. You can take it only in the cadastral chamber.
  • Extract from the house book. Most cities have special state centers. These institutions issue extracts and various certificates. Before you go there, find out the opening hours, for your own convenience.
  • A copy of the current financial and personal account. You can get it at a bank branch.
  • Application for reissuing a personal account to another person. The person must be aware of the change in the documents and the responsibility assigned. Accordingly, the application must be signed by him.

In the housing policy, it is required to re-register a personal account for a person who is registered in this living space. Be sure the new payer must be of legal age, tk. he is responsible for paying utility bills. Also, the law of the Russian Federation provides for the possibility of dividing the payment for utilities between several people registered in this apartment.

Re-register a personal account through the management of the Department of Housing Policy

When all the documents are prepared, you need to come to the department of management of the department of housing policy in your area. A member of staff will review your application. You should be given a time frame for the procedure. At the appointed time, you come for a new personal account. You will be given a new lease agreement for housing space, which you need to sign. Keep in mind, the housing organization is required to rewrite your personal account. There should be no denials. Otherwise, go to court.

If your living space is privatized, you need to collect exactly the same documents. Submit them to the Department of Housing Policy in your area. At the right time, you will receive a document on changing the personal account to another person.

Next month, all payment receipts will come with a changed personal account. Usually, to re-register a personal account, it takes time to prepare all the necessary documents and certificates. It takes more than one day. Otherwise, the process of changing a personal account is simple and straightforward.