How do you pay via bank deposit?
Just go into any ANZ branch. You dont need to have an account with them. Hand over the sellers BSB/account details & their name. Dont forget the ref number - just use the last 6 digits of the item number. And if it makes you feel better send them an email stating that you've paid & the ref no. Add info - You do not need a deposit slip. Not many banks use them anymore. Simply hand over the details, the teller enters the info, you hand over cash, they ask what ref you want, you show them the ref no, then they print a receipt, you write your name/ address/phone no on it, they give you another receipt. Then voila all done.
How do you deposit coins at ANZ?
It's better if you sort them out by denominations, and know the amount yourself first. When you hand the coins to the teller, she'll probably use a coin counting machine, 1 denomination at a time, and she'll give you an amount and ask you to confirm if that is correct. If it is what you have, then all is fine and you can then bank in that amount into your account, but if her amount differs from yours, then both of you will have to recount until both sides agree on the amount. That's why it saves time if you are very sure of the amount yourself.
How to deposit money in ATM?
Cash can be depositted to an ATM the same way as a check. Place the cash into one of the envelopes provided at the machine. As for writing the amount on the envelope, it is not necessary. There is information printed on each and every envelope depositted through the machine. These envelopes are opened and verified by 2 bank employees. The chance of someone walking off with the cash is next to impossible. It is just as safe as going into the branch to do the deposit, and most times, a lot quicker. Keep in mind though that those funds will not be available to you until the envelopes are retreived and verified for that day, usually first thing in the morning.
Is it possible to pay other people's credit card statements?
Yes why not.Anyone can pay anyone’s credit card bill as long as they know the account no. associated with that credit card.All credit cards are assigned an account number and when you have to pay your credit card bills, you simply make a deposit into that bank account like depositing money into any other bank account. You can pay by Debit Card, NetBanking or by simply depositing a cheque / cash into that account. You are free to pay whatever amount you wish to pay. If the amount you paid is equal to the amount due, then the credit card bill will be deemed to have been settled. If you paid less than the amount due, it will be considered a partial payment and fines / penalties / interest on amount due will apply as applicable.In your comments you also asked “What is the practice for debit cards?”Well debit cards are very different. They are linked to a bank account where you maintain a deposit. A debit card directly ‘debits’ your linked bank account when a purchase is being done. So there is no concept of paying-off a bill because there is no credit line and thus no bill. If you have money in the bank, the payment goes through, if you dont the purchase is declined. You spend what you have.-Gunjeet Singh - Co-Founder @ GalaxyCard - Get a Credit Card in 3 mins
If you want to withdraw money from a fixed deposit, can you do it before the maturity period?
Yes, you may, but that will fall under premature withdrawal and you may have to pay a penalty for that. Once you decide to withdraw money from your FD, the bank will calculate the principal amount along with the rate of interest with the help of Online FD Calculator, and then deduct the penalty amount. However, in case of an lock in FD, a bank may refuse a premature withdrawal as per RBI guidelines. Let us have a look at premature penalty. Usually banks charge a penalty of 0.5% to 1% lower interest on FDs which are closed before maturity. This penalty may be waived off by some banks if it is an emergency. A point to be noted here is that the emergencies are not usually well-defined in the terms and conditions, and in fact, the waiver or reduction is applicable on per-case basis. Another option you can explore is taking a loan against your FD.
If my bank mistakenly deposits $1,000,000 into my account, am I legally allowed to spend it before they realize their mistake?
Once a bank deposited mistakenly 150,000 in my account, I took it all and when bank sent me a notice, I refused to pay. The bank then collected the money from my other bank account which was with same bank. The bank informed me that how mistake was done. It was due to same debit card number on diffrent accounts. I went to a lawyer and sued the bank 1. Mishandling accounts2. Intention to create negetive credit report (before this incident I tried to apply for a loan and bank refused it since I had bad credit score)3. Agnoy caused. 4. Mental harrasment. The case was judged in my favor and bank needed to pay me another 250,000 as damages. Court also ordered bank to pay 150,000 to the person who lost money and damages of 100,000 Soon after this the bank manager was changed and bank forced closed my accounts giving reason a really bad credit report and as a negetive customer. I again filed a case against them since no bank can deny your account on basis of credit report. Since now this time it was in media, bank settled the case outside the court giving me 500,000 and 250,000 to my lawyer. Later after a year I applied for a loan under certain special conditions and bank approved it without going for in depth investigation. I was unable to pay installment on time so they sent a recovery agent to me who tried to force money illegally, since I have CCTV installed, I had all proofs that it was bank's agent trying to harras me. I sent it all to my same lawyer again and before any case could be filed, a settlement was made in which bank closed my loan and offered me a million dollar as damages. I again applied for loan bank approved it and even I don't pay my installments on time bank never calls me or sends a reminder. You see you need to have presence of mind and a good lawyer.
Deposit friendly atm won't read check?
I've never used this deposit friendly atm before, so I thought I'd give it a shot.. I followed all the directions correctly; I endorsed my check, then it asked me to put the check into the feeder in the proper position, and I did. A few seconds later it spit it back out and said it couldn't read it. I tried it a few more times with no luck. Help?