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General Banking

Our Core Facilitator

Our facilitators are experienced bankers and academicians.

Course Description

Why You Need This General Banking Course

General Banking is one of the core businesses of the banking companies around the globe. General banking includes banker – customer relationship, opening and operation of different types of bank accounts, operations of negotiable instruments (Cheques, Promissory Notes, and Bill of Exchange), cheque book issue and support services, clearing and collection of instruments, cash and vault management, locker services, remittance services etc.

In addition to the General Banking clients, the lending/investment clients and L/C clients have also to interact in the general banking services. Most of the time, the general banking wing remains busy to provide services to the clients.

As a banker either you deployed in general banking or lending/investment or AD branch you must have knowledge regarding general banking services.

As a client of a bank, you must have minimum knowledge about the dealing of general banking activities such as different parts of a cheque, how to cross a cheque, how to endorse a cheque, material parts of a cheque etc.

As a student seeking to enter in the banking industry, you must have also minimum knowledge about the General Banking – that will give you additional proficiency command in banking practices.

In addition to the above, you will be able to read and study the course on-line, you will get certificate of completion. Further, after completion of this course, you will also be able to practice the general banking activities directly flawlessly.

Course Module

The General Banking modules consists Nine modules including overview of the financial system of Bangladesh, banker – customer relationship, opening & operations of different types of bank account, negotiable instrument (promissory notes, bill of exchange and cheque), clearing and collection of instruments, colleting and paying banker, cash and vault management, locker services and remittance services.

General Banking Level -01 (Contents)

Module -A:  Overview of the Financial System of Bangladesh

Topic-1: Financial System of Bangladesh

Topic-2: Financial Market of Bangladesh

Topic-3: Capital Market of Bangladesh

Topic-4: Money Market of Bangladesh

Topic-5: Payment System of Bangladesh

Topic-6: Regulations in the Financial System of Bangladesh

Topic-7: Recent Developments in the Financial Sector of Bangladesh- 2022

Topic-8: The Banking Industry in Bangladesh

Module -B: Banker – Customer Relationship

Topic-9: Definition of a Banker, Bank, Banking and Customer

Topic-10: What Business Banking Companies Can Do?

Topic-11: Banker Customer Relationship: General – Debtor and Creditor, Principal and Agent, Bailor and Bailee, Lessor and Lessee, Mortgagor and Mortgagee, Trustee and Beneficiary

Topic-12: Banker Customer Relationship: Special – Obligation to Honor Customers Cheque, Obligation to Maintain Secrecy of Customers Account

Topic-13: Bankers Rights of General Lien

Topic-14: Bankers Rights to Charge Interest, Commissions and Incidental Charges

Topic-15: Termination of Banker Customer Relationship

Topic-16: Banker’s Right of Appropriation

Topic-17: Banker’s Right to set-off

Topic-18: Garnishee Order and Its Use in Banking Operation

Module -C: Opening & Operations of different types of Bank Account

Topic-19: Bank Deposit- Demand and Time Deposit

Topic-20: Types of Account, Current Deposit, Savings Deposits, Short Notice Deposit (SND), Term Deposit Receipt (TDR), Recurring Deposit

Topic-21: How to Complete Account Opening Formalities?

Topic-22: Opening and Operation of Personal Bank Account – Individual and Joint

Topic-23: Opening and Operation of Sole Proprietorship Bank Account

Topic-24: Opening and Operation of Partnership Bank Account

Topic-25: Opening and Operation of Company Bank Account

Topic-26: Opening and Operation of Club/Association/Societies/NGO/Educational Institutions

Topic-27: Opening and Operation of Executor and Administration Bank Account

Topic-28: Opening and Operation of Trust Bank Account

Topic-29: Opening and Operation of Illiterate Person Bank Account

Topic-30: Opening and Operation of Minor Bank Account (including Student Account/School Banking)

Topic-31: Opening and Operation of Legal/Local Authorities/Municipal Corporation Bank Account

Topic-32: Fixed Deposit Receipt: Opening of FDR, Due Date, Payment of FDR, Precaution while Encashment of an FDR, Renewal of Term Deposit, Overdue FDR, Issuance of FDR, Issuance of Duplicate FDR

Topic-33: Issues regarding Inoperative, Dormant and Unclaimed Account

Topic-34: Issues Regarding Deceased Account

Topic-35: Application of Power of Attorney and Mandate of Bank Account

General Banking Level -02 (Contents)

Module -D: Negotiable Instrument: Promissory notes,  Bill of Exchange and Cheque

           Topic-36: Negotiability, Negotiation and its Features

           Topic-37: Promissory Notes and Bill of Exchange in Banking Operation

Topic-38: Fundamentals of Bill of Exchange and Promissory Notes

D.1: Cheque

Topic-39: What is Cheque and Its Features?

Topic-40: Fundamentals and Different Parties to a Cheque

Topic-41: Undated, Post-Dated, Anti-dated and Stale Cheque

Topic-42: Dishonor of Cheque – When

Topic-43: Types of Cheques Used in Banking Business – MICR and Non-MICR Cheque

Topic-44: Specific and Further Scrutiny before Payment of Cheque

Topic-45: Material Alteration of Cheque and Its Effect

Topic-46: When the Bank Must Refuse Payment of the Cheque or Draft

Topic-47: Holder, Holder in Due Course and Payment in Due Course

Topic-48: Loss/Destruction/Cancellation of a Cheque Book/Cheque Leaf

D.2: Crossing of Cheque

Topic-49: Types of Crossing of a Cheque – General and Special

Topic-50: Payment of an A/C Payee Cheque

D.3: Endorsement of Cheque

Topic-51: Definition of Endorsement and Who can endorse a Cheque?

Topic-52: Types of Endorsements

Topic-53: Elements of Valid Endorsements

Topic-54: Specimen of Banker’s Endorsements

Module -E: Clearing & Collection of Instruments

Topic-55: Clearing – types and its placement

Topic-56: BACH, BACPS, BEFTN

Topic-57: EFT Transaction Flow, Credit and Debit Application and Calculation of 9-digit Routing Number

Topic-58: RTGS and NPSB

Topic-59: Responsibilities and Due Diligence of Presenting Bank, Paying Bank as Regards Settlement

Module-F: Collecting Banker and Paying Banker

F.1: Collecting Banker

Topic-60: Collecting Banker and Statutory Protection

Topic-61: Protection to Banker Crediting Cheque Crossed Account Payee

Topic-62: Negligence Factor

F.2: Paying Banker

Topic-63: Definition of Paying Banker

Topic-64: Responsibilities of Paying Banker

Topic-65: Statutory Protection of Paying Banker

Topic-66: Payment of Crossed Cheque Out of Due Course

Topic-67: Consequence of a Wrongful Dishonor by the Drawee or Paying Banker

Topic-68: Discharging the Duties of a Paying Banker

Module -G: Cash & Vault Management

G.1: Cash Management

Topic-69: Cash Management and Its Functions

Topic-70: Measuring Safe Keeping of Cash and Cash Limit in Banks

Topic-71: Different Types of Notes

Topic-72: Detection of Fake Notes

Topic-73: Exchange of Burnt or Soil or Defective Notes

Topic-74: Disposal of Claim Concerning Half Notes and Mutilated Notes

G.2: Vault Management

Topic-75: Vault Security and Its Operation

Module -H: Locker Services

Topic-76: Bank Locker and items to be kept

Topic-77: How to rent a Bank Locker?

Topic-78: Operating Procedure of Bank Locker

Module -I: Remittance Services

Topic-79: Remittance Services and Its Operation Procedure

Topic-80: International Money Transfer Companies for Remittance Services