saving account opening

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Saving account opening

Document Verification

After verifying the form, the CSO needs to check that all the documents are in order asper the KYC savings account checklist.

He then needs to photocopy the documents and brand them with the Verified With

Original stamp to signify that he has verified all the original documents.

The CSO then needs to ensure that the customer signs the form in his presence. Heshould then countersign in the space provided alongside.

He also needs to paste the photo in the block provided for it and should brand the roundstamp on the photo in such a way that part of the stamp comes on the form.

Mandatory Requirements Relationship Form

Please verify each of the following in the Relationship Form.

1 The form filled in BLOCK LETTERS ONLY.

2 The signature of the applicants in Black Inkin appropriate box, witnessed byBranch Official. (Why only black ink?)

3 Date of Birth of applicant.

4 Date on Account Opening Form.

5 Branch Name with Branch Code.

6 Complete address with pin code. (Remember!)

7 Branch Manager OR OIC's signature with designation, employee number and branchstamp, authorizing opening of accounts.

8 Documentation completion date stamped on face of Relationship Form, signed byBranch Official.

9 Photograph of each applicant pasted on the form, round stamp of branch affixed onright bottom corner with partial impression on the form. (Example)

10 Mother's Maiden Name

Form 60/61 (Wherever applicable)

1 Copy of PAN or duly filled Form 60. (What is PAN?)

2 No column in Form 60 to be left blank.

3 Name and Address in Relationship Form to match with Form 60.

Process for verification of all Relationship Forms

1 All photocopies attached with Relationship Form to be verified with the sourcedocument and certified as true copy. The verification should bear the followingstamp:
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Minimum Initial Deposit:

The minimum amount of initial funding by self-cheque or initial cash deposit for opening of SavingsAccount will be - Amount of Quarterly Average Balance required as per Product features plus Rs.

200/-.

In case of products like HNI/PBG/Privilege accounts, the initial deposit will be as stated in product

circulars.

Exceptions to above:

a Salary AccountsInitial Deposit /Self-cheque waived.

b No-frills accountRs.50/-

INITIAL CASH DEPOSIT at Branch

Procedure to accept Initial Cash deposit for new accounts:

1 Applicant/s should visit the branch personally to deposit cash.

2 BOM/BM or a designated Branch Officer should meet the applicant/s and verify the originaldocuments tendered with AOF and attest the photocopies of the same (This is in addition to

attestation by Sales Executive if the AOF is sourced by Sales Team). Also should check with theapplicant/s the need for account by asking a few questions as under:

a Occupation

b Period of stay in the place

c Applicant's knowledge about Bank and products and so on.

Questions are illustrative and not exhaustive. Bank officer may choose to put in questions depending

on the applicant's profile.

3 BOM/BM or designated Branch official/ Teller should confirm that

Customer/s visited the branch to deposit cash of Rs................, on the 4thpage of AOF (where

presently Teller's signature is required) and state his/her name, employee number and branch

name.This procedure to be followed for accounts sourced by Sales Team as well as branch walk-ins.

RPCs should check whether BM/BOM/Branch Official's confirmation on Cash deposit isavailable on Page 4 of AOF and also attestation on photocopies of documents.

Introduction Formalties :

Introduction by Blood Relatives for address proof

Introduction can be given only by close/ blood relatives (Parents / spouse / siblings / children),provided address proof in the name of close/ blood relative is being submitted along with therelationship proof, who have existing account with satisfactory conduct with our bank & residing at the

same address. Relationship document should be collected to establish relationship betweenapplicantand introducer. Introduction cannot be accepted from customer with Easy pay, Bank at campus, No

frills account (status code NFR1). Only primary Account holder can introduce an Account for addressproof. A separate address proof is not required for the applicant residing at the same address, as the

applicant will be staying with the introducer only. The Account of the introduced Customer shouldnecessarily have the same address as that of the introducer.

Introduction by staff

Staff Member of Bank providing introduction should to be certain that he/she has sufficientinformation about the applicant and that he/she believes that address proof documentation requirement


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2.A.

2

Married Woman, who is seeking to open an account in her married name, but the proof ofidentity is in her maiden name, then the same can be accepted provided it is supported by a

verified true copy of the marriage certificate. Marriage certificate issued only by State/ CentralGovt or any other Govt bodies to be accepted.

2.B. Joint Accounts of Women with Husband/Mother or father or blood relative:

A joint account of woman, who does not have independent KYC documents, can be opened withher husband, parents (mother or father) or a blood relative. A Relationship Document as stated in

Table A, is required to be obtained along with Annexure -A.

3.B.

1

Annexure- Ais not necessary if a joint account is opened with a woman who has providedindependent KYC documents and also in case an independent identity is provided and address

proof in her relative/parents name is provided along with a relationship proof.

Young Star Accounts: Ref: RCLG-80/May 05,2006/Cir.No.2460 and 6182

For a minor becoming adult on attaining age of 18 and unable to furnish ID and address proof in own

name can operate the existing Account with SSLC with photo/ any other id proof as mentioned inTable A.

Table A Core documents


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Note :

1 Voter id can be accepted as Address proof, if another ID proof from Core document list isprovided.

2 Driving license can be accepted as Address proof, if another ID proof from Core document list isprovided.

What is Retail Account Opening Tracker (I-Track)

I-Track is a system for routing and tracking of savings account opening Branches can checkthe status of the Account Opening Form when there is a query with regard to status of a/c opening

An in-built case tracker will provide the stage at which an account opening form is , at

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For I-Kit cases :

On handing over the IKIT to the customer, the branch team enters the details of theAOF in the Retail Account Opening ITRACK system

For Non IKIT cases :

Details to be entered into the system immediately on submission of the AOF and

required documents to RPC

Access to Retail Account Opening system can be created through Logical Access Management (LAM).

Once the Id is created, then user can login in using his NT Id and password

Process for I-Track updation by Branch

Step 1 Case Entry :

Branch staff needs to click on Branch Case Start and then on Branch Case Start Manual to enter the details of

the AOF in the Retail Account Opening ITRACK system

Following Fields to be filled in Branch Case Start Page :

Field Name DetailsTitle Mr./Ms./Dr.

Customer First Name: Accepts up to 50 Characters.

Middle Name Accepts up to 50 Characters.

Last Name Accepts up to 50 Characters.

Form No/ Bar Code Enter Bar Code exactly as printed on the AOF including hyphen (-).

Product Type Select product from the drop down

Product Sub Type Select product sub type from the drop down

Transaction ID Should enter ICORE transaction Id in case of cash transaction

Transaction Date Incase tran id is entered, then enter tran date

IKIT A/c no Only for I Kit accounts

KYC Select Yes/No from drop down as per KYC funding received from customer

Mode of Funding Select Cash/Cheque as per funding received from customer

Account Type Single/Joint as per AOF

LDC/SE/EMP Code Enter Emp Code of person sourcing the Account

Bill Pay Yes/No as per customer requirement

Click on Submit after entering all details

Step 2Case Release:

Once AOF details are entered in the system, the entered case remains in branch tray until it is released to RPC

in the system. Branch needs to release the case in I-Track to RPC within 4 hrs of entering the case in system.

For releasing the entered case to RPC follow the below steps :

A Branch staff needs to click on Queues and then on Case Dispatch-Case Release

B Select status as New Case Started and other filters as per requirement and click on Search

C Select cases you want to dispatch/release by clicking the RADIO button, write comments in Remarks

column and Click on Release. You can also close the case, in case wrong details are entered

IMPORTANT
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RPC will not be able to view/action the case until it is released from Branch tray

In case of Rejection :

If the AOF is not KYC compliant, then DVU officer will reject the AOF and will send AOF and case back to

Branch pending Queue

Branch can check the rejection reason by following below mentioned steps :

A Click on Queues and then on Branch Rectification

B Select Status as DVU CheckerRejected and Click on Search. Result will show all the DVU rejected cases

lying in branches tray

C Click on History and then on Rejected Reason to know the reason of rejection

D After knowing the rejected reason, Branch is expected to rectify the problem and send the physical AOF and

case back to RPC's tray

E Branch to take necessary approvals wherever required as per the case history

Who all can access the Tracker

Case Tracker

Case Tracker will be available to all the contact points like phone banking, branch and sales/ operations to know

the status of an account at any given point of time i.e. - at what stage the AOF is and the further TAT required for

account opening. If the account is opened/activated the A/C details in the tracker will display the 12-digit a/c

number

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SFA Updation

What is SFA Sales Force Automation

SFA is a lead management system, supporting for almost all products related to branchbanking

It can be accessed using theURL : http://sfa.icicibankltd.com/sfa/login/index.jsp

User can login in using his NT Id and password
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arningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htmhttp://learningmatrixatcampus.co.in/COURSES_DATA/IMSContent/RBO-Account_Opening130308-Lesson2784/Account_Opening/Files/Resources/Account_opening/ac_op6_pop3a.htm


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E Search Welcome Kit updation

What is E-search

E Search is a system for deliverable management i.e. record of consignment detailsunder dispatch tracker, Gold coins stock management and I Kit management

The Welcome Kit Module in E-Search is designed to track the status of the Welcome Kits

from indent to activation/destruction stage

Welcome kit has 3 roles. Branch Operations Manager (BOM), Branch front officer(FO),Branch sales manager(BSM)

It can be accessed using theURL :http://kit.icicibankltd.com:6181/welcomekit/login.jsp

Id for e-search can be created using LAMURL http://10.16.168.192/lam/LA_Index.aspx

Process for I-Kit Movement at branches

BOM to issue the I kits to SM/FO using issue to SM/FO option under Issue menu

SM/FO has to acknowledge the I kits issued by BOM using Acknowledge under issuemenu

Mark Return option is used for returning the I kits to BOM. Return acknowledge is

done by the BOM for accepting the returned I Kits

While issuing I kits to the customer the same is updated as issue to customer

Details of Activated & Rejected accounts is uploaded in Upload A/c Status by RPC

In case of resubmission of form, branch to update E-search using Re-submission option

In case of physical destruction, DESTROY option to be used in E-search

Reports option can be referred in E-search for tallying the physical stock in hand with E-

search

Security measures for handling of I-Kits at branches

Branch stock to be kept under Dual Custody

Stock with CSO/ CSM to kept under lock & keyDaily balancing of the I-kits issued to the branch staff

Fortnightly tallying of I-Kits to be done by BOM

Ensure to take acknowledgment of I-Kits when handed over to customer

I-Kits issued to customer to be updated in E-Search

What about nomination?

The following points need to be kept in

mind.
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The CSO also needs to check if thecustomer has opted for nomination. If

the account is in a single name then the

CSO needs to recommendnomination.

He should ensure that the nominationis in a single name unless the nomineeis a minor in which case a majorindividual would need to be appointed

as guardian.

In case its a joint account, all theaccount holders need to sign the

nomination instructions.

If there is no witness, the CSO needsto witness the same with his name,signature and employee number.

Account Opening by Cheque

Once the form has been scrutinized and all the verifications done, the CSO then needs to check if th

is being opened by depositing a cheque or cash.

In case of account opening through cheque, the CSO needs to check the following details:

The cheque should be a self-drawn crossed cheque favoring ICICI Bank a/c

The signature on the cheque should be the same as the one on the form.


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The self-cheque should be payable locally, and should not bePost dated/Stale/ Unsigned.

Pay in slip signed by the applicant / copy of cheque / s to be should be attached with Relationsh

Form.

The CSO should then brand the clearing stamp on the counterfoil and hands over the same to th

customer.
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4

Account Opening by Cash

Cash can be accepted as Initial deposit in lieu of cheque at the time of account opening. However, tfollowing points need to be noted :

Cash can be accepted as Initial deposit ONLY if the customer himself has visited the branch to o

account.

Customer needs to sign the pay in slip & personally deposit the cash at the cash counter.

Cashier to accept, count cash & hand over acknowledgement to customer.

Cashier to certify on the AOF that customer has personally deposited the cash (or) a copy of the

slip to be attached to the form.

Note:Maximum limit for initial cash deposit while opening of new SB account is Rs. 50,000.

4

Welcome Kit

Once the cash or cheque has been deposited for account opening, the

CSO at the account-opening desk should then hand over the welcome

kit to the customer.

The CSO should also educate the customer about all the utilitiesand deliverables that are enclosed within the kit.

He should then obtain the customers acknowledgement on thesticker provided for deliverables handed over and paste it on therelevant section in the form.

The CSO should then thank the customer at the end of the

process. Using appropriate closing remarks like Thank you for


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choosing ICICI Bank Sir! or We appreciate your business Mr.Sharma!

saving account opening

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