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Pledged Asset Line® Wire Transfer Request and Authorization | 1-800-838-6573
Pledged Asset Line® Wire Transfer Request and Authorization www.schwab.com/pal | 1-800-838-6573 • Wire forms received prior to 1:30 p.m. Eastern time (10:30 a.m. Pacific time) on a Business Day will be processed by the end of the following Business Day. • For your protection, we must contact you by phone to verify your identity before the wire transfer can be completed. • There is no fee associated with this wire request. • We do not process any wire transfers sent from or to international banks, even if the currency is in U.S. dollars (USD). • Submit this form via secure message on Schwab.com or fax to Charles Schwab Bank at 1-877-300-6933. • Your initial draw may require a minimum. • Please contact us if you have any questions regarding this information. You may not borrow money on a Pledged Asset Line to purchase securities or pay down margin loans, or deposit advances from the line into any brokerage account. 1. Account Holder Information Name (First) (Middle) (Last) Telephone Number* Address City State Zip Code Country *Please provide a number so you can be reached for call-back verification purposes. 2. Outgoing Wire Information Date Wire to Be Sent Amount of Wire (in USD only) $ Pledged Asset Line Account Number (12 digits) Account Title (owner name) 3. Receiving Beneficiary/Bank Information Beneficiary Name (First) (Middle) (Last) Beneficiary Account Number at Bank Beneficiary Address City State Zip Code Country Beneficiary Bank Name Beneficiary Bank ABA or Account Number at Send-Through Bank Beneficiary Bank Address (if available) City State Zip Code Country Additional Instructions (Attention to, Customer Reference, Phone Advice) Send-Through Bank Name Send-Through Bank ABA Number Send-Through Bank Address (if available) City State Zip Code Country 4. -
BANKING FEES All Fees Include GCT ACCOUNT OPENING SAVINGS ACCOUNT
JMMB BANK BANKING FEES All fees include GCT ACCOUNT OPENING SAVINGS ACCOUNT CURRENT ACCOUNT Cheque Leaves Acquisition (Retail) J$2912.50 Cheque Leaves Acquisition (SME) J$5825.00 Cheque Leaves Acquisition (Corporate) J$17,475.00 Monthly Service Charge FREE Cheque Writing J$50.00 Returned Cheque (Own Bank)/Chargeback Item J$873.75 J$450.00 Stop Payment (Own Bank) J$5000.00 maximum TRANSACTION RELATED CASH DEPOSITS 1% + GCT (1.17%) on investment/deposits equal to 1,500 units or above in each currency, subject to a per client limit of 500 units per business day Cash Deposits - Foreign Currency and 1,500 units per calendar month. Cash Deposits in excess of J$1M Free CHEQUE DEPOSITS Returned Cheque J$640.75 Cheque Deposit - Collection Item (US) US$6.99 + Other Bank Charge J$640.75 Foreign Cheque Returned + Other Bank Charge Foreign Cheque Stop Payment US$14.88+ Other Bank Charge Cheque Deposit - Same Day Value (JMMB Bank Cheques) Free CASH WITHDRAWALS Cash Withdrawals up to J$1,000,000.00 Free CHEQUE WITHDRAWALS TRANSFERS WITHIN JMMB BANK Transfer Between Own Accounts (Internal Transfer) Free TRANSFERS TO AND FROM LOCAL INSTITUTIONS Returned/Recalled Electronic Transfers (Local) J$500.00 Transfer to other financial institution/ Third party (Local ACH) J$25.00 Wire - Incoming and Outgoing RTGS Transfers J$250.00 TRANSFERS TO AND FROM INTERNATIONAL INSTITUTIONS International Wire Transfer -Inbound - USD US$23.30 International Wire Transfer -Inbound - GBP n/a International Wire Transfer -Inbound - CAD n/a International Wire Transfer -Inbound -
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Artist Song 2 Unlimited Maximum Overdrive 2 Unlimited Twilight Zone 2Pac All Eyez On Me 3 Doors Down When I'm Gone 3 Doors Down Away From The Sun 3 Doors Down Let Me Go 3 Doors Down Behind Those Eyes 3 Doors Down Here By Me 3 Doors Down Live For Today 3 Doors Down Citizen Soldier 3 Doors Down Train 3 Doors Down Let Me Be Myself 3 Doors Down Here Without You 3 Doors Down Be Like That 3 Doors Down The Road I'm On 3 Doors Down It's Not My Time (I Won't Go) 3 Doors Down Featuring Bob Seger Landing In London 38 Special If I'd Been The One 4him The Basics Of Life 98 Degrees Because Of You 98 Degrees This Gift 98 Degrees I Do (Cherish You) 98 Degrees Feat. Stevie Wonder True To Your Heart A Flock Of Seagulls The More You Live The More You Love A Flock Of Seagulls Wishing (If I Had A Photograph Of You) A Flock Of Seagulls I Ran (So Far Away) A Great Big World Say Something A Great Big World ft Chritina Aguilara Say Something A Great Big World ftg. Christina Aguilera Say Something A Taste Of Honey Boogie Oogie Oogie A.R. Rahman And The Pussycat Dolls Jai Ho Aaliyah Age Ain't Nothing But A Number Aaliyah I Can Be Aaliyah I Refuse Aaliyah Never No More Aaliyah Read Between The Lines Aaliyah What If Aaron Carter Oh Aaron Aaron Carter Aaron's Party (Come And Get It) Aaron Carter How I Beat Shaq Aaron Lines Love Changes Everything Aaron Neville Don't Take Away My Heaven Aaron Neville Everybody Plays The Fool Aaron Tippin Her Aaron Watson Outta Style ABC All Of My Heart ABC Poison Arrow Ad Libs The Boy From New York City Afroman Because I Got High Air -
Fedwire® Funds Service Produc T Sheet
Fedwire® Funds Service The Fedwire Funds Service is the premier wire-transfer service that financial institutions and businesses rely on to send and receive time-critical, same-day payments. When it absolutely matters, the Fedwire Funds Service is the one to trust to execute your individual payments with certainty and finality. As a Fedwire Funds Service participant, you can pricing and permits the Federal Reserve Banks to use this real-time, gross-settlement system to send take certain actions, including requiring collateral and and receive payments for your own account or on monitoring account positions in real time. Detailed behalf of corporate or individual clients to make information on the Federal Reserve’s daylight cash concentration payments, to settle commercial overdraft policies can be found in the Guide to payments, to settle positions with other financial the Federal Reserve’s Payment System Risk Policy, institutions or clearing arrangements, to submit available online at www.federalreserve.gov. federal tax payments or to buy and sell federal funds. Security and Reliability When sending a payment order to the Fedwire The Fedwire Funds Service is designed to deliver the Funds Service, a Fedwire participant authorizes its reliability and security you know and trust from the Federal Reserve Bank to debit its master account Federal Reserve Banks. Service resilience is enhanced for the amount of the transfer. If the payment order through out-of-region backup facilities for the is accepted, the Federal Reserve Bank holding the Fedwire Funds Service application, routine testing master account of the Fedwire participant that is of business continuity procedures across a variety of to receive the transfer will credit the same amount contingency situations and ongoing enhancements to that master account. -
Pa Perspectives on Nordic Financial Services
PA PERSPECTIVES ON NORDIC FINANCIAL SERVICES Autumn Edition 2017 CONTENTS The personal banking market 3 Interview with Jesper Nielsen, Head of Personal Banking at Danske bank Platform thinking 8 Why platform business models represent a double-edged sword for big banks What is a Neobank – really? 11 The term 'neobanking' gains increasing attention in the media – but what is a neobank? Is BankID positioned for the 14future? Interview with Jan Bjerved, CEO of the Norwegian identity scheme BankID The dance around the GAFA 16God Quarterly performance development 18 Latest trends in the Nordics Value map for financial institutions 21 Nordic Q2 2017 financial highlights 22 Factsheet 24 Contact us Chief editors and Nordic financial services experts Knut Erlend Vik Thomas Bjørnstad [email protected] [email protected] +47 913 61 525 +47 917 91 052 Nordic financial services experts Göran Engvall Magnus Krusberg [email protected] [email protected] +46 721 936 109 +46 721 936 110 Martin Tillisch Olaf Kjaer [email protected] [email protected] +45 409 94 642 +45 222 02 362 2 PA PERSPECTIVES ON NORDIC FINANCIAL SERVICES The personal BANKING MARKET We sat down with Jesper Nielsen, Head of Personal Banking at Danske Bank to hear his views on how the personal banking market is developing and what he forsees will be happening over the next few years. AUTHOR: REIAR NESS PA: To start with the personal banking market: losses are at an all time low. As interest rates rise, Banking has historically been a traditional industry, loss rates may change, and have to be watched. -
International Wire Transfer Quick Tips &
INTERNATIONAL WIRE TRANSFER QUICK TIPS & FAQ In order to effectively process an international wire transfer, it is essential that the ultimate beneficiary bank as well as the intermediary bank, if applicable, is properly identified through routing codes and identifiers. However, countries have adopted varying degrees of sophistication in how they route payments between their financial institutions, making this process sometimes challenging. For this reason, these Quick Tips have been created to help you effectively process international wires. By including the proper routing information specific to a country when processing a wire transaction, you can ensure your wires will be processed correctly. Depending on the destination of an international wire transfer, the following identifiers should be used to identify the beneficiary bank and intermediary bank, as applicable. SWIFT code: Stands for ‘Society for Worldwide Interbank Financial Communications.’ Within the international transfer world, SWIFT is a universal messaging system. SWIFTs are BICs (Bank Identifier Code) connected to the S.W.I.F.T. network and either take an eleven digit or eight digit format. A digit other than “1” will always be in the eighth position. Swift codes always follow this format: • Character 1-4 are alpha and refer to the bank name • Characters 5 and 6 are alpha and refer to the currency of the country • Characters 7-11 can be alpha, numeric or both to designate the bank location (main office and/or branch) Example: DEUTDEDK390 (w/branch); SINTGB2L (w/o branch) BIC: A universal telecommunication address assigned and administered by S.W.I.F.T. BICs are not connected to the S.W.I.F.T. -
Interbank GIRO Is an Automated Payment Service Which Allows You to Make Monthly Payment to Your ICBC Credit Card Account from Your Designated Bank Account Directly
Interbank GIRO Frequently Asked Questions: 1. What is Interbank GIRO? Interbank GIRO is an automated payment service which allows you to make monthly payment to your ICBC Credit Card account from your designated bank account directly. The amount will be deducted from your designated bank account and paid to ICBC every month. All you need to do is to ensure that the designated bank account has sufficient funds every month. 2. What is the benefit of using Interbank GIRO? Interbank GIRO is a convenient, paperless and cashless payment method. It enables you to make hassle-free monthly payments to ICBC through your designated bank account. There are also no fees charged for the setup. 3. Are there any additional charges for signing up for Interbank GIRO? There are no fees charged for the setup of Interbank GIRO. 4. How can I apply for Interbank GIRO? Simply fill up the Interbank GIRO form, and submit to Credit Card Department. 5. Which banks can I use for Interbank GIRO? You can use any bank that supports Interbank GIRO. 6. How long is the Interbank GIRO application Processing Time? Interbank GIRO applications may take up to 60 days to process, including the processing time required by the deducting bank. We will notify you of your application status as soon as possible. 7. How do I submit the Interbank GIRO form to ICBC Credit Card Department? You can mail the duly signed Original Interbank GIRO form to ICBC Credit Card Department by using the Business Reply Service Envelope attached. Please do not fax the Interbank GIRO form or email the scanned copy of the Interbank GIRO form as the designated bank requires the original signature for verification. -
Your Money Matters
YOUNG MONEY YOUNG formerly pfeg YOUR YOUR MONEY YOUR MONEY MATTERS MATTERS y-m.org.uk Your Money Matters: Acknowledgments Young Money would like to take this opportunity Published by Young Money to thank Martin Lewis OBE, Founder of (part of Young Enterprise) MoneySavingExpert.com, for his generous donation, Young Enterprise Head Office direction and passion that made this project possible. Yeoman House Sekforde St Young Money would also like to thank the teachers London and consultants who guided the development of EC1R 0HF Your Money Matters and the Department of Education for their help and guidance in the development of Young Enterprise is a registered charity. this textbook. Registered number 313697 In addition, special thanks to: © 2018 Young Money Contributing authors ISBN 978-1-9164672-1-7 John Chapman All rights reserved. This book or any portion Stewart Jones thereof may not be reproduced or used in any Emma Waller manner whatsoever without the express written Russell Winnard, Young Money permission of the Publisher. Liz Booth, Young Money Printed in the United Kingdom by Geoff Neal Group. Other contributors British Library Cataloguing in Publication Data Robyn Vernon-Harcourt, Young Money A Catalogue record for this publication is available Eileen Gannon, Young Money from the British Library. Feyi Onamusi, Young Money Charlotte Churchill, Young Money Braden Clamp, Young Money Design by Something Big Ltd. Printed by Geoff Neal Group Proofread by Melissa Stewart Quality Mark by Young Money ENSURE YOU’RE IN THE KNOWS, NOT IN THE KNOW NOTS. Foreword by Martin Lewis aka the Money Saving Expert It’s only money isn’t it? Well, no, actually. -
Gathering Details for Outgoing Wires
GATHERING DETAILS FOR OUTGOING WIRES Gather required outgoing wire details prior to calling BECU or visiting one of our locations. To find a location near you, visit becu.org/locations. Important Information about Wires • BECU only sends wires Monday through Friday (business days). • BECU does not send wires Saturday, Sunday, or federal holidays (non-business days). • Domestic Wires and International Wires requested by 1:00 p.m. (PT), Monday through Friday, will be sent on the current business day (if all requirements are met). • Domestic Wires requested after 1:00 p.m. (PT), Monday through Friday, or any time on Saturday or a non-business day, will be sent the next business day (if all requirements are met). Domestic Wire Requests • To submit a Domestic wire request in person, visit a BECU location, Monday through Friday, 9:00 a.m. – 6:00 p.m. or Saturday, 9:00 a.m. – 1:00 p.m. (PT). • To submit a Domestic wire request by phone, call a BECU representative toll-free at 800-233-2328, Monday through Friday, 7:00 a.m. – 4:00 p.m. (PT). • A $25.00 wire fee applies, which will be posted as a separate transaction and debited from the same account the wire is drawn on. International Wire Requests • To submit an International wire request in person, visit a BECU location, Monday through Friday, 9:00 a.m. – 1:00 p.m. (PT). • To submit an International wire request by phone, call a BECU representative at 800-233-2328, Monday through Friday, 7:00 a.m. -
Building a Customer-Centric Digital Bank in Singapore: It Takes an Ecosystem
White Paper Digital Banking EQUINIX AND KAPRONASIA BUILDING A CUSTOMER-CENTRIC DIGITAL BANK IN SINGAPORE: IT TAKES AN ECOSYSTEM Contents The dawn of digital banking in the Lion City Defining a value proposition . 2 No digital bank, in the purest sense of the term, Digital banking in Singapore amid COVID-19 . 4 currently exists in Singapore. While there are many fintechs, most provide only digital financial services The digital banking opportunity: that do not require a banking license: digital wallet retail and corporate . 5 services, cross-border payments and various virtual- asset-focused services. A digital bank (also known Key success factors for digital banks . 7 as a “neobank” or “virtual bank”) differs in that it is licensed to both accept customer deposits and issue 1. Digital agility to support a better loans, whether to retail customers, corporate customers customer experience. .7 or both. Singapore’s financial regulator, the Monetary 2. Favorable cost structure. .8 Authority of Singapore (MAS) plans to release five digital bank licenses in total and will announce the 3. Optimizing security .............................8 successful licensees in the second half of 2020. The licensed digital banks will likely then launch in mid-2021. Conclusion: The ecosystem opportunity . 10 While many less-developed Southeast Asian economies are leveraging digital banks to focus on financial inclusion, the role of digital banks in Singapore will be slightly different and focused on driving innovation. Bringing together traditional financial services firms, fintechs, other tech companies and even telecoms Singapore will become one of the firms, digital banks could act as a catalyst for financial focal points of Asia’s digital banking innovation in Singapore and help the city-state maintain evolution when the city-state awards its competitive advantage as a regional fintech hub. -
Billing Service Code Consolidation Guide | Effective August 2016
Billing Service Code Consolidation Guide | Effective August 2016 Starting with your August 2016 statement, we are changing some of the service codes and service descriptions displayed on your Treasury Services Billing statement to provide consistent billing standards for all of your Treasury Services accounts. In addition, some services will appear under a different product category. A complete listing of these changes is provided in the table below. Changes are highlighted in red for easier identification. Please share this information with your technical team to determine if system updates are required. Current Effective August 2016 Bank Bank Product Line Service Bank Service Description Product Line Service Bank Service Description Code Code ACH - GIRO 2770 ACHDD MANDATE SETUP(INITIATOR) ACH PAYMENTS 2770 ACHDD MANDATE SETUP(INITIATOR) ACH - GIRO 3971 ZENGIN ACH (LOW) ACH PAYMENTS 3971 ZENGIN ACH (LOW) ACH - GIRO 4093 ZENGIN ACH (HIGH) ACH PAYMENTS 4093 ZENGIN ACH (HIGH) ACH - GIRO 4094 ELECTRONIC TRANSMISSION CHARGE ACH PAYMENTS 4094 ELECTRONIC TRANSMISSION CHARGE ACH - GIRO 4170 OUTWARD PYMT - GIRO (URGENT) 1 ACH PAYMENTS 4170 OUTWARD PYMT - GIRO (URGENT) 1 ACH - GIRO 4171 OUTWARD PYMT - GIRO (URGENT) 2 ACH PAYMENTS 4171 OUTWARD PYMT - GIRO (URGENT) 2 ACH - GIRO 4172 OUTWARD PYMT - GIRO (URGENT) 3 ACH PAYMENTS 4172 OUTWARD PYMT - GIRO (URGENT) 3 ACH - GIRO 4173 OUTWARD PYMT - GIRO (URGENT) 4 ACH PAYMENTS 4173 OUTWARD PYMT - GIRO (URGENT) 4 ACH - GIRO 4174 OUTWARD PYMT - GIRO (URGENT) 5 ACH PAYMENTS 4174 OUTWARD PYMT - GIRO (URGENT) -
Domestic & International Wire Transfer Request for Line of Credit
TM DOMESTIC & INTERNATIONAL WIRE TRANSFER REQUEST FOR LINE OF CREDIT By completing and signing this request form, I authorize The Bancorp Bank (Bank) to make a one-time electronic wire transfer using funds advanced from my Line of Credit account and as such understand the credit advance under my Line of Credit is subject to all terms of the Line of Credit Agreement. Please complete the information below to authorize a written wire transfer request. (International information required only if applicable). An incomplete form will delay processing. Fee(s) may be assessed by the receiving, intermediary and/or beneficiary financial institution(s) for a wire transfer returned for insufficient or incorrect information which you provided that prevented the funds from being applied to the beneficiary account. The fee(s) may vary and will be deducted from the funds returned to your Line of Credit account by the financial institution(s) charging the fee(s). NOTE: Wire transfer requests received prior to 4:00 PM ET will be processed the same business day if funds are available and call back verification has been completed. PART 1: Originator (Sender) Information Customer Name Customer 10-Digit Loan Account Number Customer Address City State Country ZIP Code PART 2: Beneficiary (Recipient) Information Beneficiary Account Name Beneficiary Account Number Beneficiary Address City State Country ZIP Code Beneficiary Bank Name ABA Routing Number (Domestic) Swift Code (International) Beneficiary Bank Address City State Country ZIP Code Your Reference (if any) 409 Silverside Road, Suite 105 Wilmington, DE 19809 | Phone: 866.792.5412 | Fax: 302.791.5787 | www.seicashaccess.com REQ0001506 09/2020 145 DOMESTIC & INTERNATIONAL WIRE TRANSFER REQUEST FOR LINE OF CREDIT Page 2 of 5 PART 3: Intermediary Bank Information If requesting an international U.S.