Legal regimes of bank accounts in Russia

Introduction: the article analyzes the concept of 'legal regime of a bank account', its content and meaning, and distinguishes this concept from the 'type of a bank account'. Purpose: to specify the concept of 'legal regime of a bank account' based on the analysis of scientific sources, normative legal acts, practice materials, and to differentiate this term from the related categories. Methods: general scientific methods (analysis, synthesis, deduction, induction, typology, comparison, generalization) as well as special legal methods: formal-dogmatic, legal interpretation, functional methods, and others. Results: the concept of 'legal regime of a bank account' is specified, its difference from the concept of 'type of a bank account' is given, and its theoretical and practical relevance is analyzed. Conclusions: each type of bank account has a legal regime or regimes that are characterized by a set of operations legally provided for accounts of this type, by particular banking rules established in accordance with the law, and by customs applied in banking practice. The regimes also differ from each other in the agreement, restrictions or expanded possibilities for performing operations. In some cases, they are distinguished by a special procedure for their implementation. Within the same type of bank account, there may be different legal regimes (general and special) that are directly related to the functions of bank account agreements.