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8/9/2019 11 Front Office Operations _ Account Opening Formalities,
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Front Office Operations
Account OpeningFormalities, Account
Operations, Cash,DD/TT Issue
SUDHEENDRAN.MSCMS - COCHIN
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A/C OPENINGA/C OPENING
IIdentity
SS ignatureAAddress
Adherence to KYCAdherence to KYC
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A/C Opening ProceduresA/C Opening Procedures
Provide introduction by a person /Provide introduction by a person /account holder acceptable to the Bank.account holder acceptable to the Bank.
2 Passport size photographs2 Passport size photographs
Debit card application form.Debit card application form.
Record specimen signature in theRecord specimen signature in thepresence of a verifying official.presence of a verifying official.
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A/C Opening Procedures.A/C Opening Procedures.
Indicate mode of operation of Indicate mode of operation of the account .the account .
Avail the nomination facility, inAvail the nomination facility, in
the case of individual accounts.the case of individual accounts.
Provide (PAN) / Form 60/61Provide (PAN) / Form 60/61
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PANPAN How to Verify?How to Verify?
S elect the correct Permanent AccountS elect the correct Permanent AccountNumber (PAN) of Mr. VIVEK KRI S HNANNumber (PAN) of Mr. VIVEK KRI S HNAN
from the below mentioned options:from the below mentioned options:
a. AKYFK9550Fa. AKYFK9550Fb. AKYFC9550Fb. AKYFC9550Fc. AKYPK9550Fc. AKYPK9550Fd. AKYCV9550Fd. AKYCV9550F
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PAN CardPAN Card
Voters ID CardVoters ID Card
Driving LicenceDriving Licence
Defence/Police/ Govt ID CardDefence/Police/ Govt ID Card
Employees ID CardEmployees ID Card
ID PROOFID PROOF
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ADDRE SS PROOFADDRE SS PROOF
Bank Account S tatement (Latest)Bank Account S tatement (Latest)Credit Card S tatement (Latest)Credit Card S tatement (Latest)Electricity Bill (latest)Electricity Bill (latest)Telephone / Mobile Bill (Latest)Telephone / Mobile Bill (Latest)Latest LIC Policy/ Insurance PremiumLatest LIC Policy/ Insurance PremiumReceiptReceipt
Employers Letter certifying the currentEmployers Letter certifying the currentmailing addressmailing addressLatest N S CLatest N S C
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Q uestion A/c Opening
1. KYC is not required for opening which of 1. KYC is not required for opening which of the following type of account?the following type of account?
a. Fixed Deposit for less than Rs 100000.00a. Fixed Deposit for less than Rs 100000.00b. Recurring Depositsb. Recurring Deposits
c. Fixed deposit for more than Rs 100000.00c. Fixed deposit for more than Rs 100000.00d. Current Accountd. Current Accounte. None of the above.e. None of the above.
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Additional Docs for nonAdditional Docs for non- -individual customers.individual customers.
AssociationsAssociations
Constitution and byeConstitution and bye- -laws ,laws ,
Certificate of Registration ,Certificate of Registration ,
Resolution of the governing bodyResolution of the governing body
authorising opening of account andauthorising opening of account and
signing powers.signing powers.
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Additional Docs for nonAdditional Docs for non- -individual customers.individual customers.
Limited CompaniesLimited Companies MoA & AoA ,MoA & AoA ,
Certificate of Incorporation,Certificate of Incorporation,
Certificate of Commencement of BusinessCertificate of Commencement of Business
( for public limited companies ),( for public limited companies ),
Board resolutionBoard resolution
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A/c Operations Front Office
Fund Transfer/TTFund Transfer/TTDD requestDD request
FD/FDRFD/FDRATM Card/PINATM Card/PINLocker OperationsLocker Operations
Customer S ervice/Acquisition/WalkCustomer S ervice/Acquisition/Walk- -ininEnquiries/ Misc. requestsEnquiries/ Misc. requests
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Cash Dept.Operations
PaymentsPaymentsReceiptsReceipts
ATM cashATM cashloadingloadingATM cashATM cash creditcreditPetty CashPetty Cash
Vault, RegistersVault, RegistersExcess/Excess/
S hortageS hortage ManagementManagementS ecurityS ecurityFake NotesFake Notes
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Value of A Gift?
Th e v alue of a gif t w h ich a b ank can giv e to its v alues cust om er is :
A.R s 5000/-0.01% of th e b usiness mob ilised f r om cust om er R
s2500/-
R s 250/-NOA
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T HANK YOU