Course Description

 

Why You Need This General Banking Course

General Banking is one of the core businesses of banking companies around the world. It includes banker–customer relationships, opening and operating different types of bank accounts, handling negotiable instruments such as cheques, promissory notes and bills of exchange, cheque book issuance, clearing and collection services, cash and vault management, locker facilities, remittance services, and many other day-to-day banking operations.

Besides general banking customers, lending and investment clients as well as import and export (L/C) clients also depend on general banking services. As a result, the general banking division remains one of the busiest and most important departments in every bank.

Whether you are working in General Banking, Investment, Credit, Foreign Exchange (AD Branch), or any other banking division, a solid understanding of general banking operations is essential for your professional success.

If you are a bank customer, this course will help you understand important banking activities such as different parts of a cheque, cheque crossing, cheque endorsement, material alterations, and other essential banking procedures that every customer should know.

If you are a student preparing for a banking career, this course will provide you with practical knowledge and strengthen your understanding of banking operations, giving you a competitive advantage in banking job examinations and interviews.

In addition, you will be able to study the course online at your own pace and receive a Certificate of Completion after successfully finishing the course. Upon completion, you will gain the confidence and practical skills required to perform general banking activities accurately and professionally.

Course Module

 

The General Banking Course consists of Nine comprehensive modules, carefully designed to provide learners with both theoretical knowledge and practical understanding of modern banking operations.

  • Overview of the Financial System of Bangladesh
  • Banker–Customer Relationship
  • Opening & Operation of Different Types of Bank Accounts
  • Negotiable Instruments (Promissory Note, Bill of Exchange & Cheque)
  • Clearing and Collection of Instruments
  • Collecting Banker & Paying Banker
  • Cash and Vault Management
  • Locker Services
  • Remittance Services

Each module has been structured to help learners develop practical banking knowledge and confidently perform day-to-day general banking activities in a professional banking environment.

General Banking Level – 01 (Contents)

 

Module – A : Overview of the Financial System of Bangladesh

  1. Financial System of Bangladesh
  2. Financial Market of Bangladesh
  3. Capital Market of Bangladesh
  4. Money Market of Bangladesh
  5. Payment System of Bangladesh
  6. Regulations in the Financial System of Bangladesh
  7. Recent Developments in the Financial Sector of Bangladesh – 2022
  8. The Banking Industry in Bangladesh

Module – B : Banker – Customer Relationship

  1. Definition of Banker, Bank, Banking and Customer
  2. What Business Banking Companies Can Do?
  3. General Banker–Customer Relationship
  4. Special Banker–Customer Relationship
  5. Banker’s Right of General Lien
  6. Right to Charge Interest, Commission & Incidental Charges
  7. Termination of Banker–Customer Relationship
  8. Banker’s Right of Appropriation
  9. Banker’s Right to Set-Off
  10. Garnishee Order and Its Use in Banking Operation

Module – C : Opening & Operations of Different Types of Bank Accounts

  1. Bank Deposit – Demand and Time Deposit
  2. Types of Accounts (Current, Savings, SND, TDR, Recurring Deposit)
  3. Account Opening Formalities
  4. Personal Bank Account – Individual & Joint
  5. Sole Proprietorship Bank Account
  6. Partnership Bank Account
  7. Company Bank Account
  8. Club / Association / Society / NGO / Educational Institution Accounts
  9. Executor & Administration Bank Account
  10. Trust Bank Account
  11. Illiterate Person Bank Account
  12. Minor / Student / School Banking Account
  13. Legal Authority / Municipal Corporation Bank Account
  14. Fixed Deposit Receipt (FDR)
  15. Inoperative, Dormant & Unclaimed Accounts
  16. Deceased Account
  17. Power of Attorney & Mandate of Bank Account

General Banking Level – 02 (Contents)

 

Module – D : Negotiable Instrument (Promissory Note, Bill of Exchange & Cheque)

D.1 : General

  1. Negotiability, Negotiation and Its Features
  2. Promissory Notes and Bill of Exchange in Banking Operation
  3. Fundamentals of Bill of Exchange and Promissory Notes

D.2 : Cheque

  1. What is Cheque and Its Features?
  2. Fundamentals and Different Parties to a Cheque
  3. Undated, Post-Dated, Anti-Dated and Stale Cheque
  4. Dishonor of Cheque – When
  5. Types of Cheques (MICR & Non-MICR)
  6. Specific and Further Scrutiny before Payment
  7. Material Alteration of Cheque and Its Effect
  8. When the Bank Must Refuse Payment
  9. Holder, Holder in Due Course & Payment in Due Course
  10. Loss, Destruction & Cancellation of Cheque Book

D.3 : Crossing of Cheque

  1. Types of Crossing – General & Special
  2. Payment of an A/C Payee Cheque

D.4 : Endorsement of Cheque

  1. Definition of Endorsement & Who Can Endorse?
  2. Types of Endorsements
  3. Elements of Valid Endorsements
  4. Specimen of Banker’s Endorsements

Module – E : Clearing & Collection of Instruments

  1. Clearing – Types and Placement
  2. BACH, BACPS & BEFTN
  3. EFT Transaction Flow & 9-digit Routing Number
  4. RTGS and NPSB
  5. Responsibilities of Presenting Bank & Paying Bank

Module – F : Collecting Banker & Paying Banker

F.1 : Collecting Banker

  1. Collecting Banker & Statutory Protection
  2. Protection to Banker Crediting A/C Payee Cheque
  3. Negligence Factor

F.2 : Paying Banker

  1. Definition of Paying Banker
  2. Responsibilities of Paying Banker
  3. Statutory Protection of Paying Banker
  4. Payment of Crossed Cheque Out of Due Course
  5. Wrongful Dishonor by Paying Banker
  6. Discharging the Duties of a Paying Banker

Module – G : Cash & Vault Management

G.1 : Cash Management

  1. Cash Management and Its Functions
  2. Safe Keeping of Cash & Cash Limit
  3. Different Types of Notes
  4. Detection of Fake Notes
  5. Exchange of Burnt, Soiled & Defective Notes
  6. Half Notes & Mutilated Notes

G.2 : Vault Management

  1. Vault Security and Its Operation

Module – H : Locker Services

  1. Bank Locker and Items to be Kept
  2. How to Rent a Bank Locker?
  3. Operating Procedure of Bank Locker

Module – I : Remittance Services

  1. Remittance Services and Its Operation Procedure
  2. International Money Transfer Companies for Remittance Services