You simply open a savings account at a bank according to your goals and needs. Now, saving money in the bank is also guaranteed and practical. In fact, you can open a savings account via an online application.
But before creating an account at the bank, it is important for you to know how to save at the bank so that it is safe and effective. Not only that, you can also get various benefits by saving at the bank compared to saving your own money at home, such as interest income and excellent service.
What's more, you can manage your finances easily through internet banking or mobile banking facilities.
In the following article, we will explain the correct procedure for saving at a bank. Come on, check out the following article to find out more.
Key Takeaways:
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Know the correct procedures for saving at a bank, namely preparing various required documents, choosing the type of savings account according to your needs, preparing initial deposit funds, selecting a bank according to your needs, and so on.
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You can also experience various benefits of saving at the bank, namely getting benefits from profit sharing or interest rates, it is safer and more secure, it can be a tool for managing finances, and much more.
Procedure for Saving at the Bank
Saving at the bank is indeed the right and safe way to save money. However, you need to know the procedures for saving at the appropriate bank before opening an account for the first time. Below is the correct procedure for saving at a bank:
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Prepare various required documents
The first thing you need to prepare when you want to save at the bank is the required documents. Later, several documents will be requested as a requirement for opening an account at a bank, such as a population identity card, family card and NPWP.
This aims to fulfill administrative needs. Not only that, all these documents must be prepared by the prospective customer directly and cannot be represented.
Later there will also be a scanning process related to identity verification such as fingerprints for security.
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Choose the type of savings account according to your needs
Various banks offer various types of savings accounts with different benefits. Therefore, you need to choose it carefully. Before that, you can also search and research several banks first to find out what savings products are offered.
These savings accounts include deposit accounts, regular savings accounts, and sharia savings accounts. Choose the right type of savings account so you can quickly achieve your financial goals.
Not only that, some banks also charge monthly administration fees for several savings products. Remember, don't choose the wrong savings product so that it doesn't match your expected savings goals.
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Preparing initial deposit funds
After the administrative requirements have been prepared and approved, you need to prepare initial deposit funds.
Almost all banks have a minimum initial deposit requirement to open a savings account. Apart from that, the minimum initial deposit generally depends on the type of savings you choose.
The size of the initial deposit usually ranges from IDR 100,000 to IDR 500,000. Not only that, sometimes there are banks that require customers to keep the funds in an account for a certain period of time.
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Select banks according to your needs
You need to save in the bank according to your needs. Because there are various banks that provide savings opening services with different benefits and features.
Apart from that, in this modern era, if you want to open an account, you don't need to bother going to the head office or main branch office. You can do this via the application provided by the bank. Just follow the steps and fulfill the terms and conditions, then you can immediately have a savings account.
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Fill in the form to immediately activate your savings account
The next procedure is to fill out the account creation application form. Usually the bank officer will direct you to take a queue number and fill in the form.
Then, you just need to wait your turn and be called by customer service. To better understand the products and types of savings, the officer will provide a detailed explanation.
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Take advantage of internet/mobile banking services
Various banks present in Indonesia have provided various banking services. One of them is internet/mobile banking to make things easier for customers. You can transfer funds, make money withdrawals, pay bills, etc. via this online service.
Benefits of Saving at the Bank
After knowing the correct procedure for saving at a bank, of course you will want to do it even more. Saving at the bank also has various benefits. Below are some of the benefits you can get if you save at the bank, namely:
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Make a profit from profit sharing or interest rates
If you save at the bank, you can get benefits through interest rates or profit sharing. Generally, each bank offers different interest rates. You can also choose a bank that offers a higher interest percentage to make more profits.
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Saving at the bank is safer
By saving at the bank, your savings will be guaranteed and safe. Financial guarantees provided by banks to customers are physical and non-physical. Apart from that, almost all banks in Indonesia are guaranteed by the Deposit Insurance Corporation (LPS), so you don't need to worry if the bank goes bankrupt.
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Becomes a tool for managing finances
If you save at the bank, you can manage your finances more easily and planfully. Banks also offer various products, such as investment savings if you want to collect money to buy a house, savings for a business, and so on. Make sure you choose the type of savings according to your needs and goals.
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Mobile banking services
In the modern era, it has become commonplace to have an account without getting a debit card. This is the impact of the emergence of mobile banking services. This service can simplify various online and real-time transactions. Even if you don't have a debit card, you can still make cash withdrawals. Interesting, isn't it?
Save immediately at Bank BTN and feel the various benefits
This is the correct procedure for saving at a bank. Want to immediately save at the bank? But confused about which bank to go to? BTN could be an option for you.
Bank BTN is a state-owned bank that has been established since 1950. Bank BTN is committed to serving and supporting housing sector financing through three main products, including personal, business and sharia banking.
Not only that, Bank BTN is also known as a family friend bank in Indonesia. Bank BTN also offers various types of savings, such as BTN Batara savings, BTN Bisnis Savings, BTN Investa Savings, BTN Cermat Savings, BTN Felas Savings, BTN Juara Savings, BTN Junior Savings, and so on.
What are you waiting for? Immediately open a savings account at Bank BTN and experience the various benefits. Click this link to find out more about BTN bank products.
Tags: Saving at the Bank, Benefits of Saving at the Bank, Types of Savings Accounts
