2011年6月1日星期三

CASA: Current And Saving Account

RD in FCR is implemented as a variant of CASA.

For CASA. there are four things to do when configure a CASA account and make a transaction.

1. CASA definition

CASA definitions include the following sides: 

    A. Product Definitions

    B. Bank Parameters

    C. RD Product Rates

    D. RD Grace Days

2. Account Opening Process

     The Account opening process will use Branch code and Customer Information from the CIF module to open an account for the customer.

     A. Open Account

     B. A/C operating Instructions

     C. A/C Reporting Code/User Define Fields

     D. Account Memo

3.  Online Transactions

    Online transaction includes the following categories:

      A. Credit

           Cash/Single Cheque/Data Entry for Consolidated/Postdated(Deposit/ Cancel) / Purchase Cheque/ Liquidating BC/Liquidating DD/ Liquidating TC/ Purchase TC/ Redemption by Transfer/ Transferring Funds/ Disbursement by Transfer/ Making Loan Rescission/Loans Refund/Miscellaneous Credit/ IDC/ODC

      B. Debit

           Cash/Single Cheque/ Sale TC/Issue BC/Sale DD/Sale TT/Transferring Funds/Payin by Transfer/Paying Installment by Transfer/Making Partial Pay-off of Loan/Setting a Loan by Fund Transfer/Loan Advance Payment by Transfer/Miscellaneous Debit/Common Billing Transactions/Bill Payment

      C. Inquiry

           Account Balance/Account Statement/Inward Check status/ Account number checkdigit/Account status Audit Trail/SWIFT Statement Details

      D. Passbook:

           Issue New Passbook/Inquiring on passbook/passbook balance check digit.

      E. Fund Management / Account Instructions

           Hold Funds/Delete Earmark/Standing Instructions/Sweep-out/Sweep-in/Group Accounts/Inward Direct Debit/Account cheque purchase limit/Sweep out execution to CASA/TD/ SC for Sweep out/ Sweep-in processing –TD Redemption/Sweep-in Processing –Unmark lien/Standing Instruction Execution/Hold Funds Expiry

      F. Statement

            Special Frequency/Account Address Maintenance/Statement generation

      G. Cheque Book

             Check Box Request/Check Book Maintenance/Maintaining Stop cheque instruction

      H. Collateral & Limit

            Limit Collateral Inquiry/OD Limit Master Maintenance/Account Collateral/OD Limit Expiry Processing/Identifying Limits Expiring next month

      I. Account Closure

             Account close/Close out withdrawal by cash/close-out withdrawal by banker’s check/Close out withdrawal by GL

      J. Recurring Deposit (RD)

          RD Schedual Inquiry

      K. Other

          Maintaining the Account Master/Account Master Attribute/Account Status/SC Account NSF Preference/Interest Adjustment/Account SC waiver/Interest Freeze/JPA account cross reference

4. Batch Transactions

       A. NPA (Non-performing Asset, popularly known as Bad Loan).

               Reminder Processing/NPA classification processing/NPA Reserve Creation/NPA Appropriation

       B,. Interest and charges

               Interest Accrual/Reset ADB Statistics/ Interest Capitalization/ SC capitalization/ SC processing for transactions/SC/Interest – Internal Transfer processing.

      C. Others

                Transaction posting/Other House Keeping/RD Maturity Processing/GL handoff/Dormancy Processing/Combine Stream/Unclaimed Processing/TDS Processing/Dormancy Automatic re-activation.