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Topic: Bank deposit

In the News (Thu 10 Dec 09)

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	Deposit Policy
		Where the depositor desires to renew the deposit by seeking premature closure of an existing term deposit account, the bank will permit the renewal at the applicable rate on the date of renewal, provided the deposit is renewed for a period longer than the balance period of the original deposit.
		While prematurely closing a deposit for the purpose of renewal, interest on the deposit for the period it has remained with the bank will be paid at the rate applicable to the period less penal interest for which the deposit remained with the bank and not at the contracted rate.
		The Bank may also consider loan against deposit standing in the name of minor, however, a suitable declaration stating that loan is for the benefit of the minor, is to be furnished by the depositor - applicant.
	www.jkbank.net /policy/deposit.php (3293 words)

	Value and Duration in Retail Financial Markets: The Economics of Bank Deposits
		Valuation models that assign a fixed maturity to the stock of deposits at best capture only a portion of the economic value of the franchise, and cannot reliably be used to measure the duration of the balance sheet or the value of a deposit franchise, whether the existing franchise or a potential deposit acquisition.
		If, for instance, the deposit balances were treated as 3 month liabilities at their current rate of 4.5 percent, then a 1 percent interest rate shock impacts the value of the deposit liabilities by less than.25 percent of the outstanding balance, and, therefore, greatly understates the impact of franchise value risk in this illustration.
		On the other hand, if the deposit balance is treated as a four year bond at 4.5 percent, the change in value is approximately 3.5 percent of the account balance, which greatly overstates the impact on the value of the firm.
	www.westga.edu /~bquest/2005/bank/deposits.htm (6277 words)

	Deposit account - Wikipedia, the free encyclopedia
		A deposit account is an account at a banking institution that allows money to be held on behalf of the account holder.
		The banking terms "deposit" and "withdrawal" actually tend to obscure the economic substance and legal essence of transactions in a deposit account.
		The bank's financial statement reflects the economic substance of the transaction -- which is that the bank has actually borrowed $100 from its depositor and has contractually obliged itself to repay the customer according to the terms of the demand deposit account agreement.
	en.wikipedia.org /wiki/Bank_deposit (449 words)

	The Epoch Times \| Bank of China Fraud
		At the end, the bank had verified the account was still active, but the bank deposit balance was left with only 8.92 Yuan.
		In fact, the bank used none of the conversion rates in between 1937 and August 1948 but chose to use the conversion rate after August 1948, which is 0.01.
		He finally appealed to all the people who had placed deposits with the Bank of China and were cheated their deposits to step forward and demand their deposits with the bank to be returned and expose the truth to the public.
	www.theepochtimes.com /news/6-9-6/45683.html (1419 words)

	Fixed Deposit, Saving Bank Accounts, Re-investment Plans, Recurring Deposits, Flexible Term Deposits - Deposit Scheme ...
		Deposits are accepted under reinvestment plan with the difference that a part of the deposit can be prematurely encashed without affecting the remaining portion that continues to earn interest at the agreed rate.
		Once the age of a Senior Citizen is verified for accepting a term deposit under this special scheme, bank shall not seek proof of age for renewal of the deposit or for accepting subsequent term deposits from the same depositor under this special scheme.
		However, interest rate applicable in case of premature withdrawal of deposit will be the rate as prevailing at the time of opening the deposit account and as applicable for the period for which the deposit was actually kept with the bank.
	www.ucobank.com /deposit.htm (2052 words)

	Kennebunk Savings Bank - Deposit Account Agreement & Funds Availability Policy
		We reserve the right to refuse a deposit to your account, to limit the amount that may be deposited, or to return or hold any part or all of a deposit, at any time and for any reason.
		Additional deposits to a Certificate of Deposit Account are not accepted during the term, except as noted in the Schedule.
		Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.
	www.kennebunksavings.com /depositagreement.html (4515 words)

	Columbia Bank - Deposit Account Agreement
		The Bank’s verification of customer’s accuracy of deposit slip preparation may be limited to adjustments in an amount established by the Bank.
		deposits when, although an institution is not permitted to accept brokered deposits, the institution is ”adequately capitalized” and the depositor receives a written statement from the institution indicating that such deposits are eligible for insurance coverage on a “pass-through” basis.
		Deposits other than transfers of money between your accounts, will not be available for withdrawal until actually credited to the account which is to receive the deposit.
	www.columbiabank.com /Page.aspx?hid=501 (8495 words)

	Bank Deposit List
		If you are reprinting a bank deposit list you can choose to have any new entries marked as "not yet deposited" to be incorporated in the re-print.
		Before printing a bank deposit list for a particular bank it is always a good idea to go into the Cash Manager and review the new deposits in the applicable cash book.
		If there are errors on your bank deposit list, you should re-mark the transactions you wish to deposit in the Cash Manager and print a new deposit list, rather than try to use the re-print facility.
	www.capitaloffice.com.au /docs/bank_deposit_list.htm (1085 words)

	EZDepositSlip.com - FAQ -- Deposit slip software
		Some banks have no problem with a non machine readable deposit slip as long as there is no MICR line on the bottom (identifying it as non machine readable).
		Your bank is telling you that they will accept a hand-written bank deposit over a perfectly accurate and computer printed deposit slip.
		However, if a bank is unable to obtain an agreement from a paying bank and still wants to process electronically, it can process a check electronically and at the last second print out a substitute check for presentment to the paying banks.
	www.ezdepositslip.com /faq (1878 words)

	Banking: Safe deposit boxes--A place for your valuable stuff
		Bankrate.com surveyed selected banks and credit unions and discovered that annual fees range from $20 for a safe-deposit box of 3 by 5 inches at Charter One Bank in Cleveland to $6,492 for a box 24 by 65 inches at Citibank in New York.
		Every time you visit the bank to open the box, your signature will be compared to the signature on the card.
		The bank doesn't keep a copy of your key, so if you lose it, the bank will have to drill the box open -- a service that could cost you hundreds of dollars.
	www.bankrate.com /goocan/news/bank/19990922.asp (1167 words)

	Bank Deposit Program
		All activity with respect to your Deposit Accounts will appear including the total of your opening and closing deposit account balances, a breakdown of your deposit account balances at each individual program bank, and the interest earned for the period covered by the statement.
		Since Smith Barney cannot monitor deposits made by you in the Program Banks, you are responsible to monitor the total amount of deposits you have at each Program Bank in order to determine the extent of FDIC insurance coverage available to you.
		Throughout your statement, sections designated as "Bank Deposit Program" detail for you opening and closing balances, as well as the yield and interest earned for the period in each deposit account.
	www.smithbarney.com /products_services/fma/bdaintro1.html (547 words)

	Stockman Bank - Direct Deposit
		Direct Deposit is a safe and secure way to have your money deposited directly into your checking or savings account.
		Confidentiality: Because the deposit is made electronically and not by check, no one has access to personal information that is usually printed on a check, such as your address and telephone number.
		This is quicker than if you deposit a check with a teller, in which case you might not have access to your money until the next business day or later.
	www.stockmanbank.com /business/directdepo.asp (1067 words)

	Bank Deposit Payment Module - Zen Cart Support (Site not responding. Last check: 2007-10-13)
		Here in Argentina, everytime you do a bank deposit you receive an invoice with a deposit code, which is useful for future reference; on the other hand, when you, as a merchant, receive a bank deposit you can check that code.
		For bank transfer payments I think it would be useful to allow users to specify an account number (haven't yet found a "bank transfer" module that has this feature).
		Hmm, I guess that in a bank *deposit* scenario this doesn't make that much sense because the user doesn't have a "deposit code" when he is ordering, he only gets it after he makes the deposit.
	www.zen-cart.com /forum/showthread.php?t=2438 (869 words)

	Top Bank in Phoenix Arizona 1st National Bank of Arizona Launches Image Deposit Service, Enabling Business Checking ...
		The 1st National Bank of Arizona Image Deposit scanner, an exceptional convenience for those interested in business checking without the hassle of making multiple trips to the bank every week, makes a digital image of both sides of each check, electronically credits deposits to the account and digitally archives checks for future reference.
		FNBA has 14 retail banking branches in the state, provides a full array of commercial loan services and is a mortgage lender in 49 states.
		The bank was named as Arizona's top large bank with more than $550 million in assets in the 2006 Ranking Arizona survey.
	www.prweb.com /releases/Bank_of_Arizona/Image_Deposit/prweb446333.htm (620 words)

	Bank Deposit Workflow - Application (Site not responding. Last check: 2007-10-13)
		After you and the customer have decided on a specific deposit program, the proper documentation must be completed.
		During this step, not only do you need to provide your customer with any required deposit disclosures, but you also may need to request additional applicant information, such as further proof of identity, legal capacity to open an account, corporate resolutions, and more.
		Our solutions can help you determine the information needed and begin the process outlined in your deposit policies and procedures.
	www.bankerssystems.com /bank/deposit/workflow/StepFive.htm (81 words)

	Safe Deposit Box Services - Pacific Trust Bank
		Located inside our secure bank environment, under the dual control of a two-key system, the boxes are protected by the same security devices that guard the bank's own assets, giving you peace of mind.
		Safe deposit boxes are also great for storing small family heirlooms that cannot be replaced and other items of value, such as gold coins or valuable collectibles.
		Safe deposit boxes are also ideal for storing a photo or video tape inventory of your home and belongings used for insurance purposes in the case of a loss.
	www.pacifictrustbank.com /products/safedeposit.htm (1137 words)

	Franklin Savings Bank: Online Deposit Slips (Site not responding. Last check: 2007-10-13)
		These deposit slips are designed to be filled in on the computer and printed out to accompany your deposit, which must be brought to the bank.
		The self-calculating slips, which are intended for your convenience in organizing your deposit while away from the bank, will automatically tally your deposit.
		These deposit slips are PDF files, designed to be used with Adobe Acrobat Reader,which is a free download.
	www.fsbme.com /documents/deposit_slips.html (174 words)

	Berkshire Bank::Deposit Insurance (Site not responding. Last check: 2007-10-13)
		We are a member of both the Federal Deposit Insurance Corporation (FDIC), which insures depositors up to $100,000 and as a Massachusetts chartered savings bank, we are also members of the Depositors Insurance Fund (DIF), which insures all deposits and interest not covered by the FDIC, without limit, without exception.
		In fact, no depositor in a Massachusetts chartered savings bank has ever lost a single penny of deposits or interest since the DIF was established in 1934.
		All banks that are members of the DIF are also members of the FDIC.
	www.berkshirebank.com /about/depositinsurance.asp (305 words)

	The Jammu and Kashmir Bank Limited (Site not responding. Last check: 2007-10-13)
		It is a term deposit that pays interest at the end of each calender quarter.
		It can be opened with a deposit of Rs.100/= and above for different maturities ranging from 7 days to 10 years.
		Loan can be availed against the Fixed Deposit up to 90 per cent of the amount deposited with the Bank.
	www.jkbank.net /deposit/fdr.html (100 words)

	Amanath Co-operative Bank Deposit Schemes. (Site not responding. Last check: 2007-10-13)
		This scheme will enable the depositor to fund his liquid cash for period of time enabling him to get attractive income.This account can be opened by an individual, by a guardian on behalf of the Minor, Partnership Associations,Trusts, Associations, Societies and Corporate bodies.
		This is an interesting scheme which facilitates reinvesting the interest earned over a period of time and also ensures the liquidity.Interest is compounded and calculated on quarterly basis and added to original deposit.
		Savings Bank Accounts provides the scope for saving of money at attractive terms even with small amounts with a convenience of withdrawing at your pleasure.
	www.amanath-bank.com /deposits/mainpage.html (412 words)

	College Savings Bank: Deposit Options
		Payroll Direct Deposit allows you to have $50 or more deducted from your paycheck ($25 for large institutions) and deposited each pay period to the Program.
		Automatic Direct Deposit allows you to set up transfers of $100 or more monthly or $250 or more quarterly from your account at another financial institution.
		Deposits under $250 are held in an interest bearing savings account.
	www.collegesavings.com /deposit.html (434 words)

	Bankers Systems, Inc. - Bank Deposit Section (Site not responding. Last check: 2007-10-13)
		Developing, maintaining, and updating your deposit policies and procedures is a vital part of your business operations.
		Respond to the needs of both existing and potential account owners as you begin the deposit account process.
		After completing the documentation for a particular transaction, the deposit account is booked.
	www.bankerssystems.com /Bank/Deposit/deposit_index.htm (227 words)

	FDIC: Industry Analysis
		Access financial information on specific banks as well as analyses on the banking industry and economic trends.
		Use searchable databases to find information on specific banks, their branches, and the industry.
		Learn how accounts and loans are affected when a bank fails, how to seek unclaimed funds, and how to obtain a lien release.
	www.fdic.gov /bank (105 words)

	Remote Deposit Capture from Independence Bank \| CoolDeposit.com
		Independence Bank guarantees in writing that if you adopt the proprietary Cool Deposit system, our check to you at the end of each month will be greater than your monthly payment to us!
		In the Independence Bank best-of-breed environment, the hardware and software are integrated into a single system and Independence Bank is directly responsible and accountable to our customers.
		Bank vs. Bank - In The News - CoolCapture™
	www.cooldeposit.com (407 words)

	Direct Bank Deposit
		If your pay is to be deposited in a checking or share draft account, please attach a voided check to the completed direct deposit form.
		If your paper form to STOP your Direct Bank Deposit is received before the end of the payroll cycle then you should receive a hard copy check for that period.
		Once a check has been deposited into a closed account, there will be a delay of several business days before your Direct Bank Deposit is recovered from your old account.
	www.fms.indiana.edu /payroll/direct_bank_deposit.asp (737 words)

	Fidelity Deposit & Discount Bank
		As a community bank, Fidelity Bank knows our customers personally; some of whom have banked with us for over 40 years and throughout several generations.
		Our Bank’s Trust and affiliated company Fidelity Asset Management* offers a breadth of investment services and are an expert source for counseling you on investment options.
		In addition, all Fidelity Bank’s Investment Services are in-house so you can count on prompt, individualized attention from our Fidelity Trust and Fidelity Asset Management Teams.
	www.bankatfidelity.com /investments/i_hme.asp (238 words)

	Direct Deposit (Site not responding. Last check: 2007-10-13)
		Government studies show that Direct Deposit of checks and benefit payments is every bit as safe and reliable as traditional deposit methods.
		There's no need to arrange for a special deposit or trip to the bank - a real convenience when you are away from home on vacation or business.
		According to the Internal Revenue Service (IRS), Direct Deposit enables the IRS to deposit your refund up to 3 weeks earlier than if you were to receive it by mail.
	www.acbankers.org /tools/directdeposit.html (470 words)

	Paying with Bank Deposit Express
		You can either copy and paste the bank account information into your online banking form to transfer the funds to the seller's bank account or you can print the information and deposit money via a bank branch.
		Providing bank account information to the buyer in Checkout via Bank Deposit Express is optional.
		The buyer can view the seller's bank account information only if the seller has made this information available and has selected Bank Deposit Express as a payment option.
	pages.ebay.com.au /help/pay/bankpay.html (370 words)

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