Account opening procedure
The Account Opening Form:-
When a client comes to the bank, and makes a request for opening of an A/C. The officer says that first fill up a prescribed application form.
Completion of The Form:-
The name, occupation, and complete address of the person opening the account are written in the columns that are provided in the form. Signatures are obtained from the customer where it is required. These signatures should be usual signatures and he would operate the account with them.
Introduction:-
The introduction of a current account holder is accepted for the opening of either a current account or a saving account. The introducer should be Account Holder. The signature of the account-holder introducing the account is obtained at the place provided for in the account opening form.
Specimen Signature Card, Cheques Book Requisition, Online Form:-
The signatures of the client are obtained on a specimen Signature card Cheque book requisition and online form. These specimen signature cards are obtained in duplicate with two signatures on each card from the customer. Every time a Cheque is received for a payment from the client, the signature on the Cheque are verified by comparing them with the Specimen Signature Card.
Signature Difference Form:-
The signatures of the client are obtained on a signature difference form if his / her signatures differ from the computerized National Identity Card.
Vernacular Form:-
The signature of the customer is also obtained on the vernacular form if he / she signs in a language other than English.
Account Number:-
When all the formalities are completed then the final approval of account has to be taken from the Branch Manager. After obtaining approval of the branch manager an account number is allotted to the customer all the information is entered into the computer. Then that account number is written on the Cheque Book, Specimen Signature cards and account opening form.
Send the form to Head Office:-
After fulfill all the requirement and verify the form from operation manager the account opening form send to Head Office Karachi and make request to issue the printed cheque book.
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