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SAVING & CURRENT ACCOUNT * BASIC BANKING SERVICES Over the counter ATM Deposits Machines

SAVING & CURRENT ACCOUNT * BASIC BANKING SERVICES Over the counter ATM Deposits Machines Interbank Giro Internet Banking Things to remember!!! Keep your account numb and PINs confidential; Keep your account statements, passbook & ATM card in a safe & secure place ;

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SAVING & CURRENT ACCOUNT * BASIC BANKING SERVICES Over the counter ATM Deposits Machines

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  1. SAVING & CURRENT ACCOUNT • * BASIC BANKING SERVICES • Over the counter • ATM • Deposits Machines • Interbank Giro • Internet Banking • Things to remember!!! • Keep your account numb and PINs confidential; • Keep your account statements, passbook & ATM card in a safe & secure place ; • Destroy or shred cancelled cheques

  2. MALAYSIA DEPOSIT INSURANCE CORPORATION (PIDM) • Protect depositors against loss of deposits • Automatic Protection • Protects deposits in FIs regulated by BNM • FINANCIAL MEDIATION BUREAU (FMB) • Independent Body to settle disputes, complaints or claims between you and your financial service providers. • Matters that will not be considered by FMB • Pricing • Product policies and services • Credit decision • Cases over 6 years • Cases under litigation

  3. ISLAMIC BANKING • Follow Shariah Principles; • Prohibits riba (interest), usury (trading in • financial risk) and haram (unlawful business • ventures); • Follow Islamic concepts like profit sharing • (mudharabah), safekeeping (wadiah), joint • ventures (musharakah), cost plus (murabahah) • and Leasing (ijarah). • Islamic Banking is for all regardless of religious beliefs

  4. BANKING INTERNET • Secure banking • Keep print out of transactions • Keep Login ID confidential • Change password regularly • Do not store Login ID and password in PC • Make sure login at correct website • Do not leave computer unattended • Have anti virus protection • Always log out after each session • Don’t open other web browser while banking online

  5. Questions For Chapter 3 7

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