View Account Details

Introduction

The View Account Details screen  displays the account details and security details linked to the account.

Navigation

•  Select Account Nickname hyperlink in the Account Summary screen.

• The View Account Summary screen is displayed.

What you can do

The table below provides a brief description of the data that should be entered on the screen and the functions you can perform:

Field

Description

PERSONAL (CURRENCY) (ACCOUNT NUMBER)

GENERAL DETAILS

Account Nickname

The short name assigned to the account. This can be modified using Update Account Preference under the Personal Profile menu option in the Non Financial Activities option of the user menu list.

Account Name

The name of the account.

Account Status

The status of the account, whether active, inactive and so on.

Account Type

The type of operative account, whether savings, loan and so on.

Account Category

The scheme code or category under which the account has been opened.

Mode of Operation

The mode of operation of the account.

Branch

The branch where the account is held.

Account Open Date

The date on which the account was opened.

Currency

The currency in which the account is held.

Primary Account

Indicates if the account is a primary account. A primary account is an account which the customer normally operates.

For Example:

If the customer holds five different accounts, then the customer can designate one account as the primary account. When the customer logs on to the online banking system, the balances in your primary account are displayed by default. The customer can carry out transactions in this account. If the customer wants to carry out transactions or view balances in any other account, specify the account number.

Sanction Limit

The limit, if any, sanctioned in this account.

Drawing Power

The drawing power of the limit sanctioned to the account.

Accrued Interest

The amount of interest accrued on the account as on that date.

CUSTOMER DETAILS

Customer ID

The customer ID to which the account is linked.

Customer Name

The name of the customer.

Joint Holder1-3

The name of the joint account holder or holders.

BALANCE DETAILS

Available Balance

The total amount available to the customer. It includes TOD allowed, instruments to be processed and so on. It is the amount on which the bank has placed no restrictions or lien and is available for immediate withdrawal.

Ledger Balance

The actual ledger balance.

Effective Available Balance

The actual balance in the account taking into consideration the balances of the linked fixed deposits.  

Lien Balance

The amount of lien placed on the account.

Note:

A lien is placed on an account to exercise caution on the funds in the account. Once a lien is placed on an account, the balance in the account is decreased by the lien amount. This amount cannot be withdrawn from the account unless the lien is lifted.

Unclear Balance

The amount that has been released to shadow balance for the account through outward clearing.

Clicking View Unclear Transactions displays the full details of the different instruments by giving date as search criteria.  Details like instrument ID, bank, branch, status of the uncleared instruments, received date, instrument amount and remarks are displayed.

Float Balance

The sum of all the instruments that have been entered as well as released to shadow balance for the account.

Other Balance

Any other balance as defined by the user.