Opening and operation of an account family and withdrawals from the account at the bank where the account is maintained, will be free of any fees and commissions. Photo: Glow Images / East News
As we read in the message PBA, July 26 President signed adopted by the the Senate on 7 July. Act amending the act – Family and Guardianship Code and certain other acts, which deals with the issues of benefits are exempt from execution and the introduction of a new type of account, ie. income family.
The law will come into force after 14 days from the date of publication. Expected entry into force in the first half of August.
The law provides for the introduction, through changes in the Banking Law, a new variety of bank accounts, as determined by account family.
Banks will assume the bill on family benefits is not subject to execution
the bill is to be maintained only for individuals who have been granted subject to enforcement benefits, allowances, benefits and other amounts referred to in Article. 833 § 6 and 7 of the Code of Civil Procedure (including the so-called. 500 plus benefits, family benefits, family allowances, care, childbirth, for complete orphans, allowances for carers, social assistance, provision of integration) – with the exception of maintenance and it is to be used only for the collection of these funds.
account family will not be available for the bailiff
Payments to the account of a family will be able to in fact only cover cash from of the above. benefits, allowances, benefits and other amounts.
The bailiff took the family from 3000 PLN ’500 plus’. He had no right
ZR. TVN24 / x-news
Cash family will therefore allow the separation of non-enforcement of the measures of its subject.
As a result, if the initiation of judicial enforcement or administration action against the account holder family cash collected by him to present the bill, as clearly distinguishable from the savings included on ordinary bank accounts will not be seized in the execution of debt from the bank account. This means that the account holder family will be able to freely dispose stored on it means, even in a situation where will be conducted against him enforcement proceedings.
To open an account family must enter into an agreement with the bank
In order to open an account family should conclude a contract with a bank that offers this type of service. Account Agreement family will include elements of the contract checking account, with the proviso that it will be necessary to indicate in its content bank account number of the entity paying the non-execution benefits, allowances, benefits and other amounts referred to in Article. 833 § 6 and 7 of the Code of Civil Procedure (except for maintenance). Payments on account of family will in fact be accepted only from bank accounts of these entities.
You will need a certificate from the institution wypacającej family benefit
Their numbers will be determined on the basis of issued by those bodies certificate, which will then be attached to the contract. Therefore, before signing the bill the family will be necessary to obtain the relevant unit of the relevant certificate. In addition, the account holder family will be able to be only one natural person.
Account will be free
In addition, under the new rules, opening and maintaining an account family and withdrawals from this account at the bank where the account is maintained, will be free of any fees and commissions. The Bank will also be entitled to charge the fees for issuing a payment instrument to the income family, the monthly maintenance and payments with the use of this instrument by using the ATMs of the bank where the account is maintained.
Foundation account is voluntary
the institution account of the family will serve customers of banks to hedge cash accounting benefits, allowances, benefits and other amounts (with the exception of maintenance payments), which under the relevant provisions are not subject to execution, and guarantee the holder of the above. account free use of these measures, as in the case of a referral against him administrative enforcement or bailiff.
The law does not establish obligatory conclusion of the account agreement the family, but in the interest of the customer of the bank should be set up such an account, due to security hedge funds before the execution. Probably not all banks accounts Family will be available immediately after the entry into force of the amendment. Banks will have to prepare the appropriate procedures and adapt the tools, especially the statutory 14-day application period in this case is very short.
The message PBA, jk
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