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Relocating can be hectic because you basically pick up your entire life and change everything. Your finances are one thing you

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

need to deal with right away.

Between packing and unpacking, there are so many things to be done when relocating. Whether you

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

re simply moving across town or across the country, getting a bank account set up is one of the foremost items that should be c

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ecked off your list. Whether you choose to wait before or after you move to change banks, there should always be a game plan ah

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

ad of time to prevent any unwanted closing of accounts.

If you are happy with your current bank, many banks operate nationwide

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

Unfortunately, some of the most well known banks such as Wells Fargo and Bank of America do not operate in all states. If this

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

is the case and you love your bank, there are ways around going to a new bank. Many banks will accept a change of address and a

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

low you to continue banking there while living out of area. To make deposits to an out of state bank, many banks will permit yo

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

to mail certified funds directly to a branch or home office. A word of caution - keeping accounts with a bank that has no offi

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

es near you will make it difficult to withdraw cash. While you can withdraw at most any ATM, you will have to pay service fees

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ach time.

Do your research before you move. Find local or national banks that operate in your area, and if possible, speak to

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

omeone who has used the bank. Many cities have a Chamber of Commerce that will provide recommendations for banking; some even h

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ve welcome committees that are committed to helping you make a smooth transition. Ideally, you should choose a new bank before

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ou move. Even if you plan to keep accounts open elsewhere, having a home bank is still a responsible choice. For immediate assi

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

tance and for loans and mortgages, a bank nearby can help in the long run. If possible, open a new account before you move.

On

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

e you arrive, check out the bank you have chosen. Ensure that you are aware of all of their policies and transfer any money to

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

heir site. If you have automatic payments on credit cards or other debts, make certain that you change the bank account informa

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ion, if necessary.

Above all, make sure that your new address is reflected the same on all documents. This includes the postal

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

service, credit cards and your new or old bank. If your credit card address and bank address differ, your account may be closed

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

due to the discrepancy. Choose a bank that suits your needs, and if necessary, keep an account open from your previous location

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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