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Various types of bank accounts

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Ancillary services of the bank
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Various types of bank accounts

  1. 1.  IN THIS PRESENTATION WE WILL STUDY IN DETAIL ABOUT VARIOUS TYPES BANK ACCOUNTS AND VARIOUS TYPES OF CUSTOMERS. VARIOUS TYPES OF BANK ACCOUNTS
  2. 2. TYPES OF BANK ACCOUNTS
  3. 3. A) Basic savings bank deposit Acc It does not have a minimum balance, instead it has a maximum balance to be maintained. The holder will get an ATM cum Debit Card. B) Basic saving bank deposit accounts Small scheme It is considered as normal banking service available to all. It does not have the requirement of any minimum balance 1. SAVING ACCOUNTS
  4. 4.  ANY RESIDENT INDIVIDUAL, SINGLE ACCOUNTS, TWO OR MORE INDIVIDUALS IN JOINT ACCOUNTS, ASSOCIATIONS,CLUBS ETC., ARE ELIGIBLE FOR THIS ACCOUNT.  MODEST CREDIT OPTIONS ARE AVAILABLE.  TWO FREE CHEQUE BOOKS ARE ISSUED EVERY YEAR.  INTERNET BANKING FACILITY IS PROVIDED.  NEFT, BILL PAYMENT, MOBILE RECHARGE ETC., ARE PROVIDED. 2. REGULAR SAVINGS BANK ACCOUNT
  5. 5.  THE CURRENT ACCOUNT INCLUDES DEPOSITS, WITHDRAWAL, AND CONTRA TRANSACTIONS.  THEY ARE ALSO CALLED DEMAND DEPOSIT ACCOUNTS.  IT CAN BE OPENED IN MOST COMERCIAL BANKS.  IT BEING A ZERO-ACCOUNT IS ASSOCIATED WITH HUGE TRANSACTIONS ON A REGULAR BASIS. 3. CURRENT ACCOUNT
  6. 6.  IT’S A SPECIAL KIND OF TERM DEPOSIT OFFERED BY BANKS.  IT HELPS PEOPLE WITH REGULAR INCOMES TO DEPOSIT A FIXED AMOUNT EVERY MONTH  THEY EARN INTEREST AT THE RATE APPLICABLE TO FIXED DEPOSITS.  IN SOME BANKS, FOR ONLINE RD, THE MINIMUM TENURE MAY BE 12 MONTHS. 4. RECURRING DEPOSIT ACCOUNT
  7. 7. A) SHORT DEPOSIT RECEIPT They accept deposits from customers varying from 7 days to maximum 10 years. The minimum amount that can be deposited under this scheme is 5 lakh RS. B) FIXED DEPOSIT RECEIPT Any resident individual, minors, clubs etc., are eligible for this account. The minimum FDR in urban areas is Rs. 10,000 and in rural areas is Rs. 5000. 5. FIXED DEPOSIT ACCOUNT
  8. 8.  ITS USED TO CONDUCT STRESS FREE TRANSACTIONS ON THE SHARES.  FOR OPENING THE ACCOUNT, INDIVIDUAL HAS TO FILL 2 FORMS SUBMIT THE PHOTO ALONG WITH PHOTOCOPY PF VOTER ID/PASSPORT/ ADHAAR/ LICENSE. AND DEMAT ACCOUNT NUMBER WILL BE PROVIDED. 6. DEMAT ACCOUNT
  9. 9.  IT’S A PAPER BOOK USED TO RECORD BANK OR BUILDING SOCIETY TRANSACTIONS ON A DEPOSIT ACCOUNT. TRADITIONALLY, A PASSBOOK IS USED FOR ACCOUNTS WITH A LOW TRANSACTION VOLUME, SUCH AS SAVINGS ACCOUNTS. PASSBOOK
  10. 10.  A CHEQUE IS A DOCUMENT WHICH ORDERS BANK TO PAY A SPECIFIC AMOUNT OF MONEY.  A CHECKBOOK IS A SMALL FOLDER CONTAINING PREPINTED PAPER INSTRUMENTS ISSUED TO CHECKING ACCOUNT HOLDERS AND USED TO PAY FOR GOODS OR SERVICES. CHEQUE BOOK

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