National Bank

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ACCOUNT OPENING
To open an account the customer have to meet the general banking manager with an introducer (the person who is going go introduce that person in the bank) and get an application form used for account opening.  Different color-coded application forms are available for each type of account.  Along with the form a card for specimen signature is also supplied to customer. Manager has every right not to accept this contract if he is not satisfied by the details provided by the customer.  In case the contract is acceptable to both, now it is ready to open the account formally.
 

Procedure
The procedure begins with the punching of account opening form to the customer file i.e. customer’s master file. The manager records the necessary details into this register and allots an a/c number from this a/c opening register.  This register is maintained for each type of account and the a/c no’s are allotted serially. After opening a saving and current account every applicant’s data is entered into the computer to maintain a safe record and application form is properly filled so that it can be available when necessary. Checking officer is responsible to Tele the manual application form with the computerized a/c opening file.  For fixed deposit only that application form is needed which is prepared manually, because most of the procedure of fixed deposit is done manually. The signature specimen card contains three signatures of an applicant, applicant a/c no, a/c type, branch code, title of a/c, it will be attached with an application form.  Banker uses this card at the time when he receives the cherub; he compares customer’s signature with the signature on the cherub for avoiding fraud.
 

ACCOUNTS TYPES 
    Though in theory there many types of accounts but commonly account operators can be classified in one of the following categories, each have different documentation requirements:

  • Single
  • Joint
  • Partnership
  • Private Limited
  • Public Limited

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