4 Current & Savings Account Details

This topic describes the account details screen and the pertinent information it displays for current and savings accounts.

The account details screen displays important information such as the account holding pattern and the names of all the account holders, the current status of the account and the branch in which the account is held along with details on various balances and limits applicable on the account.

The details are displayed under four main sectionAccount Details, Recent Transactions, Debit Cards, and Additional Information. To navigate between the different sections, Recent Transactions, Debit Cards, and Additional Information the user can use the bookmark options available on top right corner.

The Account Details section provide general information about the account such as the current balance, nickname, status of the account and product name, unclear funds, and overdraft limit. The Recent Transactions sections displays the debit and credit entries along with each transaction amount and reference details. The Debit Cards section lists all the Debit Card/s linked to the account in the card form and also to apply for a new debit card on any of their accounts. The Additional Information section displays the account holding pattern and the names of all the account holders, the branch in which the account is held along with details on various balances and limits applicable on the account.

Perform anyone of the following navigation to access the Current & Savings Details screen.

• On the Dashboard, click Overview widget, click Current and Savings card, then click Current and Savings Account Number.
• From the Search bar, type Current & Savings – Current & Savings Details and press Enter.
• From the Dashboard, click Toggle menu, click Menu, then click Accounts, and then click Current and Savings Accounts tab, and then click Current and Savings Account Number.

The Current and Savings Account Details screen appears.

Figure 4-1 Current and Savings Account Details

Description of "Figure 4-1 Current and Savings Account Details"

Note:

The fields which are marked as Required are mandatory.

For more information on fields, refer to the field description table.

Table 4-1 Current and Savings Account Details - Field Description

Field Name	Description
Account Number	Select the account of which you want to view details.
Account Details
Current Balance	The current available balance in the account.
Unclear Funds	That amount of funds that have not yet been credited to the account. This amount will include the amount deposited through cheques and drafts that have not yet completed the bank’s clearing cycle.
Overdraft Limit	The maximum credit allowed by the bank for the account.
Average Balance	The average balance in the account. Note: This field will appear only in case of FCR integration.
Average Monthly Balance	The average monthly balance of the account. Note: This field will appear only in case of FCR integration.
Last Quarter Average Balance	The average balance of the account in the previous quarter. Note: This field will appear only in case of FCR integration.
Product Name	The name of the CASA product.
Nickname	The nickname if set will be displayed. Click on Add link to add the nickname to the account.
Nominee	The registered nominee set for the account. Click on Add link to add the nominee to the account.
Status	The current status of the account. The possible values are: Active Closed Dormant
Recent Transactions	For more information, refer Transactions screen.
Transaction Date	Date on which the activity was performed.
Amount	Short description of the transaction.
Balance	Balance in the account.
Show All Transaction	To view all the transactions in account. On clicking the link, the user will be navigated to the Transactions screen.
Debit Cards	For more information, refer Debit Cards screen.
Card Product	The debit card product name.
Card Number	The debit card number in masked format.
Status	The current status of the debit card will be displayed.
Customer Name	Name of the debit card holder.
Card Expiry Date	The date on which card will expired.
Block Card	Link to block the card.
Apply for Debit card	Link to apply for the new debit card. On clicking the link, the user will be navigated to the New Debit Card screen.
Additional Information
Today’s Opening Balance	The opening balance in the account for the day.
Available Balance	The current available balance in the account.
Amount on Hold	Displays the earmarked amount or the amount on hold in the account.
Unclear Funds	That amount of funds that have not yet been credited to the account. This amount will include the amount deposited through cheques and drafts that have not yet completed the bank’s clearing cycle.
Advance Against Unclear Funds Limit	The maximum amount that can be utilized as advance against funds that have not yet been cleared.
Overdraft Limit	The maximum credit allowed by the bank for the account.
Sweep-In Amount	The amount to be transfer from savings account to a sweep-in deposit.
Daily ATM Withdrawal	The maximum amount allowed for withdrawal at an ATM of own bank for the daily Domestic / International Usage limits.
Minimum Balance Required	The minimum average monthly amount required for the bank's regular current & savings account.
Holding Pattern	The holding pattern of the account i.e. single or joint. The possible values are: For single owner - single For joint ownership - joint
Mode of Operation	Operation mode of the account. The possible values are: Mandate Holder Single Either Anyone or Survivor Former or Survivor Jointly
Primary Account Holder	The name of the primary holder of the account.
Joint Account Holder	Name of the joint account holder. This field appears only if the holding pattern of the account is Joint.
Nominee	Whether the account has a registered nominee or not.
Sweep-In	Identifies whether or not sweep-in facility is enabled for the account. The values against this field can be either of the two: Yes – This value is displayed if sweep-in facility is enabled for the deposit account No – This value is displayed if sweep-in facility is not enabled for the deposit account
Branch	Branch name in which the account is held along with address.
IBAN	Displays the IBAN associated with selected CASA account.

You can also perform the following account related transaction:

• Click on the Quick Filters menu to view the transactions of a specific period or of specific transaction type.
• Click on the Recent Transactions, Debit Cards, Additional Information links available on the top right corner page to navigate between the sections.
• For more information on Nickname (add/ modify/ delete), the option available under Account Details section. Refer Account Nickname section.
• For more information on Nominee, Add Nomineethe option available under Account Details section. Refer Nomination section in Oracle Banking Digital Experience Retail Customer Services User Manual.

• Note:

  If a nominee is already defined for the account, then the Edit Nominee option is displayed in kebab menu to modify it.
• Click on the kebab menu on the debit card footer section to access additional action related to debit cards.
• Click on the More Actions menu to access account related transactions.