Concept and classification of banking operations.
Are those credit operations carried out by a financial institution in a professional manner.
Are classified as:
Quote types of banking products liability.
Current accounts are in sight, savings accounts, fixed term deposits and certificates of deposit.
Characteristics of the opening of bank accounts.
Accounts can be opened to individuals or corporations, domestic or foreign currency.
Are only able to open an account those who have the capacity to act, and the disabled can only do so through their legal representatives.
The ability to work with people full of seniors.
Who can open a bank account?
People who have legal capacity.
Steps in the process of opening an account.
Initial entry in the account.
Delivery of documentation.
Types of accounts according to their ownership.
Are classified as:
Individual accounts: a name of a person, the holder is unique and the account owner, providing its own of its funds.
Group accounts, to name two or more people, with all owners and holders. These will divide into 2:
- Indistinct: any of the owners may dispose of the funds, you only need a signature.
- Joint or common: they require the signatures of all owners to dispose of the funds.
Concept of credits and debits.
Credits: annotations to the credit of the account, arising from derivative transactions to the client, as deliveries of cash, bank transfers, etc.
Charges: log in to the account, for operations against the client, such as withdrawals, payments, receipts, etc.
Definition of income or taxation and reimbursement.
Or income tax: cash deliveries made by the owner to be paid directly into your account.
Repayment: cash withdrawals or check made by the holder and are payable directly to your account.
Concept of red numbers and account balance.
Balance: The amount that results frommust compensate with having an account. It can be positive or negative.
What does it mean and when and how you can cancel an account?
Means the discontinuance of the relationships that the bank maintained with the client.
You can cancel in case of death of the individual owner, corporate dissolution of the account holder, bankruptcy, and that bank contracts are defined as a bank account is of indefinite duration.
What is liquidating a bank account?
Is to calculate the interest on the consideration in accordance with the operations of credits and debits in the period of liquidation.
Definition of current account in sight.
Money deposit contract between a bank and an individual or company under which the operator carries revenue funds and the entity is obliged to guard them.
Current account features in sight.
- Ready availability of funds without prior notice to the bank.
- Provision typically orchestrated by check.
- Payment or return on capital in the form of low rate interest.
- The notations of operations are contained in sheets, bank statements called
Definition of savings account to view.
Capture and channel the savings of citizens and families.
Features savings accounts in sight.
Just need to register in her movements taxation and rebates.
30-day notice for the drawdown of some magnitude.
Higher interest rates.
Fortnightly valuation of interest.
Types of savings accounts.
For young people.
Definition of fixed term deposits, citing its characteristics.
Money deposit is not available until the expiration of the deadline. The interest rate higher than that of deposit accounts.
Definition of certificate of deposit.
Fixed-term deposit receipts formalized, which may be transferred by endorsement at any time.