Many anasabah have explained about the features and services that will be obtained if saving in various banks in Indonesia, ranging from BCA, Mandiri, BRI, BII, and so forth. Feeling past something important? Perhaps you are right, because few are discussing the most basic thing, namely how to make ATM cards and save in the bank.
For those of you who feel pro at the most basic things in this bank may feel this is a trivial article, but Cermati sure many of you students and school students who want to open savings in the bank for the first time.
If you are one of them, you are in the right article! Because the following will explain the steps of saving in the bank along with information that is important to know.
Make an ATM Card First
ATM Card via rhezajack.files.wordpress.com
The first step if you want to open savings in the bank: make an ATM card. What is an ATM card? Basically, an ATM card is a card that provides banking facilities to the savings account owner's customers in the bank. ATM is an abbreviation of "Automatic Teller Machine", and in Indonesia it means "Automated Teller Machine." This ATM Card Making can be in any bank --- BCA, Bank Mandiri, BNI, BRI, CIMB Niaga, Danamon, Maybank BII, Permata, Bank Mega, Syariah Mandiri, and many others.
The purpose of having an ATM card is to provide convenience for customers who want to make transactions, without having to go through a teller. What is a transaction? Miscellaneous, can in the form of cash draw / cash, transfer to another savings account, check the balance, or pay to the merchant. Making ATM cards is much faster and easier than the early period of its emergence in Indonesia. Now the card may be on the same day, along with if you want to open a savings account.
For a fee, almost all banks now provide free ATM cards for customers who open savings. There is no additional cost in the first making, but it is outside if you want to replace the damaged or lost card.
Then how to make ATM card? You must first open a savings account at one bank. What is the balance of this savings for? To be used as a source of funds when you want to transact using the card on ATM machines, which you can find in many places.
You must add the NPWP and KK. Bring all these necessary identities, if necessary, copies of copies, to avoid back and forth and facilitate the continuity of the process.
Prepare cash for the initial deposit in your new savings account, adjusting to the minimum bank balance limit in the bank you select. View the minimum deposit requirement on the internet, brochures, or come directly to the Customer Service of the bank.
Once everything is complete, go to a bank in the nearest branch that suits your domicile, to make it easier if in the future there are other purposes.
Regular security guard will welcome you and give queue number to queue up at Customer Service (CS). Wait until you are called.
When your turn comes, CS will introduce yourself, and it is recommended for you to do the same, for the convenience of the process. Tell CS that you want to open an individual savings account. Since your goal is to create an ATM, then choose individual savings whose savings are not tied to the amount of deposit and withdrawal time.
CS Bank will explain the savings products available in the bank. Listen carefully. Do not be ashamed to ask any questions. Do not forget to ask especially about the break-even point, what bank interest can cover the monthly administration fee so that your savings balance is not cut by the administration fee.
If all the information is clear you get, choose which product you want to make, then the CS will provide additional information along with the application form of account opening. The form will record identities, such as names, phone numbers, home addresses, occupations, income per year, family members' names, and more. In this form, you are also given options on desired features: ATM, internet banking, mobile banking, and so on.
If you want to enable internet banking, SMS banking, tell CS at this very moment. You can say this when CS is printing a passbook and preparing this ATM card. ATM Pin also you specify at this time.
Read also: The Challenge of Starting Your Own Business and How to Overcome It
Select the Bank and the appropriate ATM Card Type of Requirement
So many steps for you who want to save in bank. Make sure you have a look at what's needed, how much interest to keep your balance from cutting administration fees, and other little things. To know the information.*item