What the Bank Sells

Banks are one of the institutions that are easily recognized by anyone. Basically, people will easily recognize the bank as an institution that provides storage and lending services. Both services are part of the banking products that we know today. However, banking products in banks are not solely for saving and borrowing. The Bank offers a variety of banking products aimed at facilitating anyone's daily needs. Knowing in advance about various kinds of banking products and other financial elements is the main thing that you need before starting to maximize the role of banks in maintaining and managing the assets you have. Because of every available banking product, in addition to offering convenience or benefits, there are also risks that you need to learn so that it can be adapted to your current conditions or needs.

In general, savings now also offer types such as hajj savings, planning savings, and term savings.

The following is a list of banking products that are popularly used among the public. The first banking product on this list is one that is quite commonly owned and used by service users or bank customers. As the name implies, savings is a banking product that is offered when you have a need to save or just save your money. Beyond that, savings are also a banking product that you need to have when you work. The reason is, the income you get from the office where you work will be channeled every month to the savings you have in the bank. Savings also has a withdrawal or transfer feature that you can use at any time. At the beginning of its presence in Indonesia, the types of savings offered by this bank were quite a few variants. However, this one banking product has developed in various types that offer benefits that are tailored to your goals in saving. In general, savings now also offer types such as hajj savings, planning savings, and term savings. Savings Book A savings book is a proof that you are registered as a customer of a bank that uses savings banking products.

This passbook has a function as an information center for all banking transactions that you do in your savings banking product. In addition to including your name, the passbook also contains information regarding your account number which is useful for maximizing the feature of transferring funds from other parties into your savings. ATM Card In addition to a passbook, as a sign of ownership of a savings banking product, you will also be given an ATM card. The ATM card is a banking product facility that is useful for making it easier for you when transacting with the funds in your savings. The most frequently used function of an ATM card is to withdraw funds at an ATM machine (automated teller machine) or to pay for your purchases through the debit feature embedded in your ATM card. E-StatementIn today's digital era, the presence of e-Statement is an important banking product innovation that makes it easier for you as a customer to track transactions made in the last month. In general, this banking product is better known as account mutation.

For the funds themselves, you can deposit rupiah or foreign currencies.

The basic difference is in how you get it. The statement will automatically be sent to the email that you listed as a customer on a regular basis every month. Statements are also a way for banks to contribute to reducing their carbon footprint, both in terms of saving paper and the transportation process. Another banking product that is also quite popular among the public is time deposits. In basic characteristics, these deposits have the same function as savings, as a means of storing funds. However, unlike savings accounts where you can arrange or withdraw funds at any time, this banking product has a certain deadline before you can withdraw the funds that you have channeled into deposits. You need to really pay attention to the characteristics of this banking product. If you choose to withdraw funds outside the agreed deadline, you may be subject to a penalty which will lead to a deduction of the funds in your deposit savings. Here are things you need to understand regarding banking products in the form of deposits. For the funds themselves, you can deposit rupiah or foreign currencies. Time period and duration of storage Term or maturity is a term that you will often find in banking products in the form of deposits. This time period or tempo refers to the time for disbursement of funds in accordance with what has been agreed by you as a customer and the bank before using deposit banking products. In general, if you use this banking product, the funds stored in the deposit usually range from 1 to 12 months.

For individuals, demand deposits may be one of the foreign banking products to use.

Maybe you will be more familiar with credit cards as a banking product. In fact, credit cards are part of the credit products offered by banks. This credit banking product is one of the three functions of a bank that ensures to be able to help the community. With this one banking product, a bank institution can help a person or business entity to be able to buy an item and pay for it within a certain period of time. Everyone who uses this one banking product needs to understand that there are elements of time period, interest, guarantees, to administrative costs that will be accumulated on the credit bill. In addition, credit as a banking product also has benefits in encouraging economic growth and expansion, reducing unemployment, increasing people's income, becoming business capital and a source of business development funds, as well as providing a sense of security for its users. The next banking product that is quite popular for use by the public in the last few years is online banking. Online banking is one of the services of banking products that provide convenience to transact and manage customer finances anywhere and anytime. Online banking in Indonesia is generally divided into three types, namely SMS banking, internet banking, and mobile banking through applications. The services in this banking product make it possible for customers to carry out transactions, such as sending money, paying routine bills, and being used as a method of paying for purchases without having to move from where someone is. For individuals, demand deposits may be one of the foreign banking products to use. This is because the presence of current accounts is more often used as a savings banking product by business entities. In contrast to savings accounts that can disburse funds through ATMs, this one banking product tends to be disbursed using a check or bilyet issued by the bank, subject to the approval of the current account holder.

From the five examples of banking products above, it is undeniable that savings are an essential banking product for everyone to have when they want to manage their finances. You also know that now the types of savings as a banking product are quite diverse to meet your various needs. To that end, CIMB Niaga is committed to providing convenience to match your savings needs with a variety of savings products. CIMB Niaga's savings products have a variety of types, ranging from regular savings, term savings, dream savings, youth savings, to savings for children. In addition to offering various types of savings, this banking product from CIMB Niaga also offers benefits that you can get as a customer. Find complete information regarding CIMB Niaga savings products here.

How to Check Vehicle Number Plate Owners Online, Easy!

Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.

Do not position the lever in reverse or R, these positions are used to reverse.

If it's your first time driving an automatic car, you may be a little confused about how to drive it. Especially if you are used to using a manual car, which has a different way of operating the gear from the automatic one. This is because you don't have to adjust the clutch or shift gear because it's done automatically. You just need to stop and go without shifting gears or playing the clutch. But if you are not used to having to be careful, you might get confused between the brake pedal and the pedal or the wrong way to use the automatic car gear. Not infrequently heard of accidents because they are not familiar with how to shift gears automatic cars that are not familiar. Therefore you must know some important things in how to drive an automatic car below. As a beginner you need to be careful so that the lever is always in the correct position. First before starting the engine, the lever position must be in the P position or in the N position. Do not position the lever in reverse or R, these positions are used to reverse. If the lever is in the R position, the car will not start when it is started.

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When you enter the key, do not immediately start the engine. You should wait for the needle to spin until the indicator is active or lit which indicates the electricity is ready. Some types of automatic cars provide an indicator in the form of sound when the car is really ready to be started. When first starting, it is recommended to step on and hold the brake pedal for safety reasons because you are afraid that the car will suddenly accelerate forward. Some automatic cars have an automatic procedure that keeps the engine running if you don't press the brake pedal, although some don't. When the engine is on and you want to start moving, the first step that needs to be done is to change the gear position of your automatic car which was originally in position P or N, to position R to go backwards or D to go forward. It is important to depress the brake pedal at the same time as moving the lever in gear. This method can prevent damage to the machine. The transmission lever aka gear or automatic car gear is an important component that affects the speed of the car.

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