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Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
Do you mean that I have to give you notice before I can make a withdrawal?
Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
How much notice must I give ?
Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
Of course ,the bank has the option of enforcing the rule should it be necessary .
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That's amazing .I never knew that before .
You'll find that all banks are required to have the same rule .
I guess I've never read the fine print on my passbook before.
This next item says that there is a service charge for more than two transactions a month .
Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
The main reason is to discourage the use of savings accounts for frequent transactions .
Current ,or checking,accounts are designed for regular and frequent transactions.
But I've never been charged.
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Well,most banks rarely invoke that regulation .
Paul Massey works for a French company in Tokyo .He is asking a Higashi Bank clerk about sending some money to his brother in Paris.
I'd like to send some money to my brother in Paris .
Can I buy francs from you to send him ?
Yes,of course .We can sell you a remittance check payable in francs and you can send that to him .
I would like to send it to him as soon as possible.Can I write the money to him ?
Yes ,we have a telegraphic transfer service for foreign remittances.We can make arrangements to send it by cable if you would like .
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That would be fastest ,wouldn't it ?
Yes,either a regular or urgent cable would be faster than sending a check or a mail transfer from us to bank .
Do you charge extra for cable remittances?
Yes,sir .We would add the cost of cable to our regular service charges .
Well,he needs it right away ,so please cable it to his bank .
I have the bank's name and account number here.
All right .Would you please fill out this remittance request and check the box that says "bank transfer by cable"?
We will need your address and telephone number ,too.
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Can you debit my savings account here for the amount ,including service and cable charges?
Yes,of course .Please sign this withdrawal slip and we'll charge this item to your account .
Paul Massey works for a French company in Tokyo .He is asking a Higashi Bank clerk about sending some money to his brother in Paris.
I'd like to send some money to my brother in Paris .
Can I buy francs from you to send him ?
Yes,of course .We can sell you a remittance check payable in francs and you can send that to him .
I would like to send it to him as soon as possible.Can I write the money to him ?
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Yes ,we have a telegraphic transfer service for foreign remittances.We can make arrangements to send it by cable if you would like .
That would be fastest ,wouldn't it ?
Yes,either a regular or urgent cable would be faster than sending a check or a mail transfer from us to bank .
Do you charge extra for cable remittances?
Yes,sir .We would add the cost of cable to our regular service charges .
Well,he needs it right away ,so please cable it to his bank .
I have the bank's name and account number here.
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All right .Would you please fill out this remittance request and check the box that says "bank transfer by cable"?
We will need your address and telephone number ,too.
Can you debit my savings account here for the amount ,including service and cable charges?
Yes,of course .Please sign this withdrawal slip and we'll charge this item to your account .
Bill Hobson is asking his banker about the local Clearing House Association in their city.
What is meant by the term Clearing House Association ?
It's a voluntary association of the banks in the city which settles interbank debts .
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During a business day we accept checks drawn on other banks and other banks accept checks drawn on us.
We balance these interbank obligations through the clearing house .
What about the actual checks that you get which are drawn on other banks?
Of course ,we must give these checks to drawee bank to collect the funds they owe us .
And they give us checks drawn ourselves to collect the funds we owe them .
So the clearing house handles all this ?
Yes,they separate all the checks according to drawee bank.
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add the total each bank owes and deduct that from the balance maintained at the clearing house .
And ,of course,they add to the balance the amount each bank is owed.
Then they deliver the actual checks to each drawee bank .
What about checks drawn on banks outside the city ?
The clearing house sends those checks to the Federal Reserve Bank's collection and clearing service .
That operates just like a local clearing house ,but deals with out-of-town or out-of-state banks .
So between the local and Federal Reserve clearing houses,checks drawn on any bank in the country can be easily processed .
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Bill Hobson is asking his banker about the local Clearing House Association in their city.
What is meant by the term Clearing House Association ?
It's a voluntary association of the banks in the city which settles interbank debts .
During a business day we accept checks drawn on other banks and other banks accept checks drawn on us.
We balance these interbank obligations through the clearing house .
What about the actual checks that you get which are drawn on other banks?
Of course ,we must give these checks to drawee bank to collect the funds they owe us .
And they give us checks drawn ourselves to collect the funds we owe them .
