Banking

From Swisswiki

General

Forget the clichés of numbered account and anonymity. For everyday banking, you will have to furnish a passport or ID card to open an account. Non-Swiss nationals will have to provided proof they are allowed here (Permit B etc.)
Swiss banks operate in 'real time'. This means that a deposit to your account, it appears there within seconds - there is no waiting for anything to clear. You are not permitted to overdraw your account. If you need a loan (Kredit) then you must apply for it, not just take it.
Swiss banks do no generally use paper cheques/checks. Incoming Stering/Dollar cheques/checks will attract stiff charges (8 francs each). Payments from abroad should be make electronically. Paying bills, other than standing orders and direct debits, are made by a 'payment order form' to your bank. Bills are always accompanied with a payment slip (orange or red). Naturally this can be conveniently done by online banking with all Swiss banks.