Bank cell: advantages and disadvantages

Recently, citizens are increasingly using such a service as renting a banking cell. This is explained by the fact that it is not at all safe to store valuables at home, and they are reliably protected in the bank. In addition, when drawing up a contract of sale, both sides insure themselves once again against possible fraud, storing everything necessary for the transaction in the bank.

Anyone can rent a cell. To do this, you just need to contact the bank, find out if it provides such a service, and in case of a positive response - conclude an appropriate contract with it. In this document, you can specify the conditions for access to a cell of third parties. They can be relatives, a notary, a lawyer, an appraiser or any other person.

The banking cell is a personal and reliable storehouse of personal belongings. A financial institution guarantees confidentiality, so you can be sure that no one will know about its contents. Employees of the bank have no right to ask what exactly the client is planning to store in the cell. But still, if it is suspected that there is something stored out of things prohibited by law, the safe will be opened without permission and the police squad will call. The list of prohibited items includes drugs, chemicals, weapons.

Since the bank cell belongs to the client for the lease period, only the tenant can open it, although in the presence of the clerk. The safe is opened with two keys, one of which is stored in the bank, and the other is kept by the customer. It should be noted that the financial institution is not responsible for the safety of the contents of the cell, so in case of loss of content, the bank will not be reimbursed. To protect yourself, you can conclude an additional agreement, requiring the bank to be responsible for the safety of the cell. Only in this case it is necessary to compile an inventory of all things.

Another advantage of this service is that the cells are not covered by the bankruptcy of a financial institution. After all, in fact, the bank only owns safes, but not their contents. Individual banking cells have some drawbacks. So, for example, if you store money, then they will not work, as in the case of a deposit. And after all, inflation is possible - and then the whole "treasure" will simply depreciate.

The banking cell is a fairly reliable storehouse, so you should not worry about robbery. But still the story remembers a few cases when the contents of safes were not saved even by sophisticated security. But the alarm system is installed not only indoors, but also on each separate cell! But there are cases when the bank is powerless to change anything and is forced to open cells, thereby violating the contract. One such example is the case of 1917, when, after coming to power, the Bolsheviks ordered the confiscation of all valuables from the cells. The modern world is more civilized, so opening cells is extremely rare.

The banking cell belongs to the client only for a certain period of time. After the end of the lease, he must take his property or extend the contract. If the time has expired and the client has not collected his belongings, the bank creates a special commission, employees open the cell, and then transfer its contents to the main bank's storage. The client has the right to withdraw it, having previously refunded the storage costs to the bank.