Cash Payment in Finacle (TM)

Only members of cash department (cashier/Tellers/ Head Cashier) are authorised to pay cash to the customer. Cash can be paid only on the strength of written instruction on the face of a debit instrument, i.e. cheque, Draft, TD Receipt ( less than Rs 20,000/in case of DD/TD ) or any other debit voucher. Cash is also paid against Withdrawal Slip containing thereon written instruction for payment.

When cheque/debit instrument is presented over the counter, the paying cashier/Teller should scrutinise the following to ensure that

a.  the date of the cheque is in order, i.e. it is not stale or post dated.
b.  the cheque is signed by the customer and it bears the signature of customer or its presentor on the reverse.
c. the amount in words  and figure agrees and payee’s name is written on the instrument.
d. the debit voucher is signed by authorised Officer(s).
e. the presentor has been properly identified if it is a Demand Draft or a Pay Order.

On being satisfied with the above check points, the cheque/debit instrument is entered by the CTO/ Teller in the system, and the same is passed on to the verifying officer for Posting/ Verification.

Cash Payment Step-By-Step (assuming the Teller has sufficient power to pass the cheque)

01. TM - Enter
02. A - F4 - Type C - Tab - NP - F4
03. Mention Customer A/c Id - F4
04. Check Mode of operation - Signature by Pressing F9 - Effective Available balance in Customer A/c.
05. Mention withdrawl Amount - Tab - D (Debit) - Tab - Tab (Move to narration field)
06. Type "Cash Payment" - Move to Instrument Type Field - Type CHQ
07.  Tab - Instrument No - Tab - Instrument Date - F4
08. With Option "E", Press Down arrow to create Credit Part Tran
09. Now Move to Debit Part Tran (customer part) using arrow. 
10. Remove 'E' and type 'P' in option - Press F4 to Post Part Tran
11. Use arrow to move Credit Part Tran and press F4 to post this part also
12. Press F10 and Note down the Tran ID.
16. Now stamp & sign the Cheque, take acknowledgement on reverse, mention denomination, and hand over Cash to customer
  
Verification (By Supervisor)

01. TM - Enter
02. V - F4 - Tran ID - F4
03. Option "L' (List Part Tran) - F4 - F3
04. Press F10 to complete the task

Cash Payment Step-By-Step (assuming the Teller has no passing power)

01. TM - Enter
02. A - F4 - Type C - Tab - NP - F4
03. Mention Customer A/c Id - F4
04. Check Mode of operation - Signature by Pressing F9 - Effective Available balance in Customer A/c.
05. Mention withdrawl Amount - Tab - D (Debit) - Tab - Tab (Move to narration field)
06. Type "Cash Payment" - Move to Instrument Type Field - Type CHQ
07.  Tab - Instrument No - Tab - Instrument Date - F4
08. With Option "E", Press Down arrow to create Credit Part Tran
09. Press F10 and Note down the Tran ID and send for posting-cum-verification

Posting-cum-Verification (By Supervisor)

01. TM - Enter
02. M (Modify) - F4 - Tran ID - F4 - F9 (Verify Signature) - F4
03. Option "L' (List Part Tran) - F4 - F3
04. Now Move to Debit Part Tran (customer part) using arrow. 
05. Remove 'L' and type 'P' in option - Press F4 to Post Part Tran
06. Use arrow key again to move Credit Part Tran and press F4 to post this part also
07. Press F10 to complete the task
08. Send the Cheque to Teller for cash  payment to customer

Issue of Cheque Book (ICHB)

An user can issue a cheque book only if he is in possession of the cheque books.. In case the employee is holding say 1000 leaves of a specific inventory, say 100 lots of 10 leaves each, then the user should split his holding to 10 leaves of 100 lots and then can issue the same..

Web Menu Option: ICHB / ICHBAU 

Issue of Cheque Book Step-By-Step

01. ICHB - Enter
02. I - F4 - A/c No - F4
03. Chequebook Acknowledgement Obtained - Y (Yes) - F4 
04. Chq Type - Press F2 and Select from List (Ex. SB10) - F4
05. Use Arrow Key to move and Press Shft + F4 to Select Cheque Series displayed below
06. Press F10 to save & Request for Verification


Verification

01. ICHBAU - Enter
02. V - F4 - A/c No - F4
03. Collect MICR Charge - Mention Y if to collect charge else N - F4
04. Press F10

Cash Desposit in Finacle (TM)

Cash transaction is one of the key activities through which a bank carries on its business. Finacle provides the facility for handling of cash.

There are three types of cash transaction, viz. (a) Cash Receipt, (b) Cash Payment, and (c) Cash Remittance. Receipt of cash means depositing/ crediting of cash into Savings, Current, Term Deposit, Cash Credit, Overdraft, Loan & Office accounts.

Web Menu Option: TM 

Receive the Deposit Slip, Cash and scrutinize slip and count cash. Next enter transaction details in Finacle.

01. TM - Enter
02. A - F4 - Type C (cash) - NR (Normal Receipt) - F4
03. Mention Customer A/c Id - F4
04. Mention Amount - Tab - C (Credit) - Tab - Tab (Move to narration field)
05. Type "Deposit By Cash" - F4 to create the Credit Part Tran (Customer Part)
06. Being present at Specify Option Field with option "E", Press Down arrow to create Debit Part Tran, 
07. Now Post all the Part Trans, Change the option 'E' to 'P'
08. Move to Credit Part Tran using arrow - Press F4 - Move to Debit Part Tran - Press F4
09. Once all the Part Trans are posted (mark for Posting Requested message) Press F10
10. Note down the TRAN ID on the Pay-in Slip.
.
Now stamp, sign the deposit slip and give the counter foil to customer and the hook the pay-in slip.

Opening of Savings Account

In Finacle, Savings account scheme has been defined under the scheme type SBA. Scheme type is a broader classification that enlists the various features governing the pattern of the scheme.


Web Menu : OAAC  ONS Menu : HOAACSB

Opening a SB Account Step-By-Step

01. OAAC -  Enter
02. Function O - F4 - Cust Id - F4
03. Scheme Code - F2 - Scheme Type - SBA  - F4 - Select Account Type ex: SB101 - Shift+F4 - F4
04. Select Mode of Operation - F2 - Choose 'Self' - Tab - Location - F2 Select Urban - F4
05. Passbook/Statement - S - F4 - Interest Cr Account Flag - S (Original Account) - F4
06. Interest Dr Account Flag-  S - F4 -  Local Calender - N - F4
07. Frequency - M (Monthly) - Tab - Tab - 31 (date) - N (in case of holiday) - F4 
08. Dispatch Mode 'A' - F4 -
09. Next Inst Calc Date Dr - (Last Day of the Current Month) - F4
10. Next Inst Calc Date Cr - (Mention Current Half Yearly End Date) - F4
11. Enter Option - 'S' (Scheme Details) - F4
12. Select Nomination - Y - F4
13. Enter Option 'N' (Nomination Details) - F4 - Name - F4 - Relationship - F4
14. Reg No (maintained manually at branch) - F4 -
15. Mention Address - City - PIN - Country - Post Code - Tab  
16. If Minor - N (if Yes then Enter DOB and Guardian details) - F4
17. Now back on Main Screen, Press F10
18. System will create a Temp A/C ID (Ex: zz230337) Note down the ID and send for verification.

Verification of SB Account 

01. OAACAU - Enter
02. V - F4 - Temp A/c ID - F4
03. Now on General Details Option (G), Press F6 - F6 - F4
04. Enter Option 'S' - F4 - F4
05. Enter Option 'N' - F4 - F4
06. Finally Press F10

System may show some warning/exception like:

A/c Balance below the required minimum
Introducer not Customer / New Customer

Now Press F4 Authorise and it will generate 14 Digit Permanent A/C No

Creating a Customer ID in Finacle

This is the first and foremost step for opening of an account. Whether it is a Savings Account or an Deposit / Advance Account, for any customer a ‘Customer id’ is to be created. The data required for creating the id are the customer details like name, address, age, introducer details, etc. Thus ‘Know Your Customer’ (KYC) will have to be captured while creating the ‘Customer id’. Once this is created any account opened by that customer will be linked to the particular id. Hence due care is to be taken to see that all the relevant fields are filled in correctly. The process is known as Customer Master Maintenance in Finacle which also referred as Customer Identification File (CIF). 

Web Menu : CUMM  ONS Menu : HCUMM

Creating a Customer ID for an Individual Customer Step By Step (using CUMM)

01. Type "CUMM" in menu option - Enter
02. Function A (Add) - F4
03. Enter Customer  Title -  Tab - Name - F4
04. Type Short Name (initial 4/5 letters from main name) - TAB
05. Now enter non-mandatory fields i.e type, status, group, occupation & Gender & Press F4
06. Staff - N - F4 (If "Y" then mention staff details)
07. Minor - N - F4 (If "Y" then mention Guardian details)
08. Non Resident - N - F4 (If "Y" then provide Passport and other details)
09. Trade Finance - Y - F4 (if you choose "N", the customer can not carry out Bill Transactions)
10. Address Type - C - F4 (C- Communication Address, P - Permanent Address) 
      The address you will put here first will be printed on Account Statement and dispatching documents.
11. Fill up the Permanent Address (if different from communication address) or Employer Address (F6)
12. Once Address Entry is over Press F4.
13. Purge Allowed. "N" - F4
14. Introducer Details - Mention CUST ID of introducer (Press F11) or Full Name - F4
15. TAX Slab - TDS02 (for individual) - TAB - PAN No (Enter PAN NO if produced) - F4
16. As the General Details (G) is completed - Enter "E" (Currency Details) in Enter Option box - F4
17. In Currency Details, Type INR & press down arrow to add and Press F4
18. To visit Trade Finance Details -Enter "T" in option - Press F4 - Again Press F4
19. Inland Trade Allowed Field - Y - F4
20. Now Press F10 to save the details
21. Note down the Customer ID on the AOF and send it to Supervisor Authority for verification

Verification of Customer ID by Supervisor or Higher Authority

01. CUMM - Enter
02. V - F4 - Customer ID - F4  (It shows general details)
03. Now Press F6 Seven times (7) to visit seven general detail pages - Press F4
04. Now Verify the Currency Details  E - F4 - Press CTRL+E to view details - F4 - F4
05. Verify Trade Finance Details  T - F4 - F6 (Check Inland trade allowed) - F4
06. Press F10, the system will complete the task and will show Record Verified.

Unlock a User

Unlock a User

In case the menu is locked and the user is not allowed to log into the system again, then by going through the menu option SAC we have to delete (unlock) the user. This activity can be performed by any Supervisory Staff of the branch.
 

Step-By-Step

01. Type "SAC" in menu option and Press Enter

02. Type "D" in funtion field - Press F4

03. Type "U" in the User field - Press TAB - Enter User ID in the field  ex" ARUN01"  - Press F4

04. Now it will display the Locked User details.

05. Press SHFT+F4 to Select the User ID (* mark will appear)

06. Press F10 to complete the operation.

Important finacle points

Finacle is a robust CBS which run on UNIX environment and use ORACLE as main Database Backbone providing greater stability.

It is a customer centric software means each and every customer must have a Customer ID to open an account and carry out any transaction.

Important finacle keys:

F1: HELP

F2: LIST THE CODES TO BE USED IN PARTICULAR FIELDS

F3: QUIT/EXIT: TAKES THE USER TO WHERE IT STARTED

F4: ACCEPT THE DATA

F5: BACKGROUND MENU

F6: NEXT PAGE OF SCREEN

F8: COPY RECORD: FOR FASTER WORKS

F9: VIEW SIGNATURES AND ALT+F4 TO CLOSE.

F10: TO CONCLUDE THE TRANSACTIONS...IF THIS IS PRESSED RELATED DATA IS WRITTEN IN DATABASE.

F11:VALIDATES THE DATA

F12: PREVIOUS PAGE..


CTRL+X: TO POPULATE TODAYS DATE

SHIFT + F3: TO GO BACK TO FINACLE MAIN MENU

SHIFT+ TAB: GO BACK TO PREVIOUS FIELD

SHIFT + F11: TRANSMIT:: IF THE KEYS ARE BLOCKED...TO ENABLE FUNCTIONING OF KEYS

SHIFT + F4: TO SELECT ITEM FROM THE LIST

CTRL+ F9: MEMOPAD LOOKUP:: WHEN REMARKS ARE MADE TO CHECK MEMOPAD

CTRL + F : TO CLEAR THE FIELD

CTRL + E: EXPLODE

CTRL+U: PAGE UP: FOR INCREASING SPEED OF LOOKUP

CTRL+D: PAGE DOWN

DOWN ARROW: FOR NEXT RECORD (VOUCHER) IN SAME TRANS

UP ARROW: FOR PREVIOUS RECORD

CTRL+ T : (WHOAMI):: FOR CURRENT USER

EXIT/LOGOUT: TYPE EXIT IN FINACLE COMMAND TO LOGOUT FROM FINACLE.

Changing Password in Finacle

User Password expires in 30 days. But, in case a user wants to change his password within this period, use menu option PWMNT.

CAPTIVE USER: SAME SOL DATA MODIFY

FREE USER: MANY SOL DATA MODIFY