Steps for Opening of Accounts in
Finacle
Account opening can be done in 2 ways i.e., cash or cheque.
When an account is opened through cash the teller can directly select the mode
of transaction as “cash”.
If the account is opened through cheque then the teller
should select the transaction type as “cheque” but opening of account through
cheque can be done in 2 ways
1) Opening
of an account through DOP cheque
2) Opening
of an account through NON DOP cheque
Scenario 1:-Opening of an account
through DOP cheque:-
When we are opening an account
through DOP cheque we need to select transaction required as “YES” and transaction type as “TRANSFER” and give the debit account id
i.e., “Customer SB account number”
Scenario 2:-Opening of an account
through NON DOP cheque:-
When the customer is opening any
account through NON DOP cheque (Bank cheque) we have to lodge it in outward
zone by using below procedure.
1) Open the outward zone in the
supervisor login by using HMCLZOH by selecting the function as “open zone” and
then give zone date and zone code as “MICROW”
Then click on go then the outward zone screen
will be appeared just submit it.
2) After
outward Zone is opened, we have to enter the Non DOP cheques using “HOCTM” Menu
in Counter PA (or LC). The Screen appears like
We have to
choose “add” in Option and Zone code ” MICROW” then click “Go” button and it
will allow counter PA to add Non DOP cheques.
Here, we
have two types office account number for clearance.
1. Sol
ID+0382(for Account openings) ex: 500003000382
2. Sol
ID+0017(for Deposits) ex: 500003000017 for RD and PPF where as for SB we have
to give customer SB account number.
We have to
use above accounts based on requirement i.e., account open or deposits.
For each cheque we have to give account
if (as mentioned above as required), instrument date, amount, instrument
number, transaction code(10) and sort code (MICR code 9 digit code) and then
click on submit set number will be generated. Then continue for each cheque for
each 1 set number will be generated.
After entering the cheques in the
counter PA login then we have to suspend the zone in the supervisor login using
HMCLZOH menu select function as “suspend zone” ,zone date and zone code(MICROW) then go to statistics tab in that tab you
will find the no of instruments entered for ex:-1 in this example then submit.
The next step is verification of cheques
using the menu HOCTV give date, zone code, start set and end set.
For example if we entered 10 cheques we get 10
set numbers the same should be verified give start set as “1” and end set as
”10” then submit.
A batch
program will be generated view the report in HPR. In that report you will get
set 1
verified successfully
set 2
verified successfully
………
Set 10
verified successfully
If any
instrument unverified also it will display make the correction and again verify
them.
After verification last step is generation of report using
the menu HPCLSO give the details as mentioned and submit.
In HPR view the report and take the printout for sending for
clearing.
After cheques are cleared from the bank after receiving the
schedule first we have to release to shadow balance by selecting the
corresponding zone date example I am trying to realize the zone date 01/12/2014
and zone code as “MICROW” then click on GO.
Then give the Value date as the date of clearance
Then the final step is Regularize the zone by giving the date
and zone code.
Then click on Go and submit.
After regularization we can open the account by selecting the
transaction required as “yes” and transaction type as “transfer” and then give
the account id SOL ID +0382
Enter all the details and then submit. If any cheque is not
cleared then we have to take in inward zone as outward rejection as mentioned
in FAQ.
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