Account Opening ABL

8/9/2019 Account Opening ABL

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Departments of Bank

My learning in different department of bank. One of my job was to deal

with the customers in almost every department. Different customers ask for different things. Like

in the Account opening department, they ask about the procedure, charges, balance inquiry etc.

In the clearing department they ask about the bonus back of cheques and related things. Some

customer also got confused where to start, I had also guided them. The names of department are

as follow:

Account Opening Department

Cash Department

Clearing Department

Remittances Department

Accounts Department

Credit Department

Account Opening Department

In Acccount opening department I had learn a lot.

Maintaining good relationship with the customer has polished my interpersonal skills and

resolving customers Problems give them a feeling that the company employees care for them.

There are several types of accounts such as:

1. Idivdual/ Joint Account2. Sole Propreitorship/ Partnership/ Joint Stock3. BBA(Basic Banking Account)

1. Idivdual/ Joint Account


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In it they may open the following accounts

y Currenty Savingy ASDADocument required for opening the account are

Original ID Letter Head (in case of businessman) In case of illetreate person photograoh of the person.

2.Sole Propreitorship/ Partnership/ Joint Stock

In it they may open the following accounts

y Currenty Savingy ASDADocument required for opening the account are

For Sole Propreitorship

Copy of NIC (see original NIC) Letter Head of business NTN

For Partnership

Copy of NIC (see original NIC) Attested copy of Partnership Deed duly signed by all partners of the firm.


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Attested copy of Registration Certificate with Registrar of Firms.In case thepartnership is unregistered, this fact should be clearly mentioned on the

Account Opening form.

Authority letter, in original, in favor of the person authorized to operate on theaccount of the firm.

Copy of registration certificate( if registered) Company Letter Head Two references

For Joint Stock

Certified copies of:

Resolution ofBoard of Directors for opening of account specifying the person(s)authorized to operate the company account.

Memorandum and Article of Association Certificate ofIncorporation. Certificate of Commencement ofBusiness. Copy of NIC (see original NIC)

3.BBA(Basic Banking Account)

This account is open by salary persons and also for students. For

opening the account folloing documents are required:

Copy of NIC (see original NIC)


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Salary Letter or bonafide letter for students Initial deposit Rs.1000

Futher Instructions For Opreating Account:

1. The customer will get the cheque book when he/she will receive the letter of thanks from Bank.2. For ATM facility the coustomer will fill the ATM request form.3. The customer will also get the i-net facility. Through which they can access their account

through internet.

4. If the account holder is going abroad and he/she will want to give the right to another person tohandle his account. He/She will sign the third party mandatry.

5. If the customer want to change his mailing address. He/She will fill the Address changing form.The Bank sent one letter on old address and one on new address to confirm that he/she actually

want to change address.

6. If the customer do not opreate his account from the last 6 mounths, his account is dornmant(inactive). To activate the account the customer debit (withdraw) the money from account.And

also write the application to activate the account and sign on it.

Documents

Account Opening ABL