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General Banking: Level-02 (Contents) 

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

36) Negotiability, Negotiation and its Features

37) Promissory Notes and Bill of Exchange in Banking Operation

38) Fundamentals of Bill of Exchange and Promissory Notes

         D.1: Cheque 

39) What is Cheque and Its Features

40) Fundamentals and Different Parties to a Cheque

41) Undated, Post-Dated, Anti-dated and Stale Cheque

42) Dishonor of Cheque – When

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

44) Specific and Further Scrutiny before Payment of Cheque

45) Material Alteration of Cheque and Its Effect

46) When the Bank Must Refuse Payment of the Cheque or Draft

47) Holder, Holder in Due Course and Payment in Due Course

48) Loss/Destruction/Cancellation of a Cheque Book/Cheque Leaf

        D.2 Crossing of Cheque

49) Types of Crossing of a Cheque – General and Special

50) Payment of an A/C Payee Cheque

       D.3: Endorsement of Cheque

51) Definition of Endorsement and Who can endorse a Cheque?

52) Types of Endorsements

53) Elements of Valid Endorsements

54) Specimen of Banker’s Endorsements

Module -E: Clearing & Collection of Instruments

55) Clearing – types and its placement


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

58) RTGS and NPSB

59) Responsibilities and Due Diligence of Presenting Bank, Paying Bank as Regards Settlement

Module-F: Collecting Banker and Paying Banker

       F.1: Collecting Banker

60) Collecting Banker and Statutory Protection

61) Protection to Banker Crediting Cheque Crossed Account Payee

62) Negligence Factor

        F.2: Paying Banker

63) Definition of Paying Banker

64) Responsibilities of Paying Banker

65) Statutory Protection of Paying Banker

66) Payment of Crossed Cheque Out of Due Course

67) Consequence of a Wrongful Dishonor by the Drawee or Paying Banker

68) Discharging the Duties of a Paying Banker

Module -G: Cash & Vault Management

      G.1: Cash Management

69) Cash Management and Its Functions

70) Measuring Safe Keeping of Cash and Cash Limit in Banks

71) Different Types of Notes

72) Detection of Fake Notes

73) Exchange of Burnt or Soil or Defective Notes

74) Disposal of Claim Concerning Half Notes and Mutilated Notes

     G.2: Vault Management

75) Vault Security and Its Operation

Module -H: Locker Services

76) Bank Locker and items to be kept

77) How to rent a Bank Locker?

78) Operating Procedure of Bank Locker

Module -I: Remittance Services

79) Remittance Services and Its Operation Procedure

80) International Money Transfer Companies for Remittance Services