Bank Accounts and Payment Services

By the end of this course, you will have a good general knowledge of bank accounts and payment instruments, their legal and regulatory framework and their specific terminology, having analysed the following in detail

About bank accounts:

• The reasons why a customer entrusts his money to a bankThe reasons why a customer entrusts his money to a bank
• The general conditions to be approved before opening a bank account
• The conditions of legal capacity
• The checks that each banking institution must carry out and the documents required to open an account (individuals and companies)
• Types of accounts and types of power of attorney / mandate
• The main accounts and services offered by a banking institution
• The formalities to be completed when closing an account
• The main testamentary principles to be taken into account in an estate

With regard to payment services:

• Legal framework et European harmonization
• The formalities to be completed when closing an account
• Bank transfers: their characteristics, types of beneficiary, payment methods and new pricing rules
• Electronic payments: cash cards, telephone banking, New-Multiline, e-banking
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• Cheques, domiciliations....

This module is also ideal for new bank employees. It provides an overview of all the different areas that need to be explored in greater depth and can therefore easily serve as an introduction to banking training

• BANK ACCOUNTS

  • Why does the client seek a banking relationship?

  • The account

  • Opening an account (individuals)

    • Capacity

    • Interview

    • Decision to open an account

    • Refusing, freezing and closing a new relationship

• The bank’s General Terms and Conditions

  • Documents

  • Power of attorney

  • Death of the account holder

    • Opening an account (companies)

    • Professional obligations

    • The various banking products

• PAYMENT SERVICES

  • Systems of payment

  • Instruments of payment

    • Domiciliations

    • Bank transfers

    • Cheques

    • Cards

    • Electronic payments

      • Legal framework : harmonisation at EU level