eastern bank credit card apply

Cardholders must use promo code “VQEBL21” to get the discount offer from www.flynovoair.com or NOVOAIR app. Discount applicable on the base fare of adult and. Oak Valley & Eastern Sierra Community Bank is the premier lender for Commercial, Business, Small Business, SBA, Agricultural Loans in Modesto, Stockton. Eastern Bank is offering a bonus of $300. ChexSystems: Yes, sensitive; Credit card funding: No longer available; Monthly fees: None.

Eastern bank credit card apply -

Mastercard customer service hours

mastercard customer service hours Customer Service for Business Banking>. Contact a customer service representative by calling 1 (800) 347-2683. P. CT. Phone, social media, Morse code (okay, maybe not Morse code). Bank National Association pursuant to a license from Visa U. Visit the company website creditcards. Customers can access account information, check their application status, report a card lost or stolen, or connect to a live customer service representative any time – 24 hours a day, 7 days a week. Send us a Secure Email. Call us. Consumer lending and credit card support: 844-4TRUIST (844-487-8478) If your mortgage originated with SunTrust, contact (800) 634-7928 . Mar 02, 2021 · Customer Service: (888) 288-1843. 800. *For best experience use a desktop. Buy Online, Pick Up In Store. Is it OK if we also use cookies to show you personalized ads? Mar 30, 2021 · Pros: Credit increase after 7 payments, Customer service, Excellent customer service, Ending account, Was easy to get a credit card from them Cons: Unwilling to work with customers, Customer service attutudes, Customer service attitudes, Penalty for making payment before the due date, I am dissapointed and highly suspicious 800. For questions regarding order cancellations, returns, and product troubleshooting, please call customer service at (800) 605-3369 (See Customer Care hours below). 1000 or 800. To dispute a debit card transaction: Sign On to PNC Online Banking. - 2:00 p. There Our Customer Services Representatives are available during business hours. m - 8:00 p. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. Stores. to 5 p. Check our FAQ for answers to common questions, or contact us by mail or phone at the following: Phone: 866-453-2636 Feb 24, 2021 · To reach Credit One customer service, call (877) 825-3242. m. We’ll use cookies to improve and customize your experience if you continue to browse. Open Small Business Checking Account Jan200 MENU. Hours of Operation. Credit Card Activation. Call or write an email to resolve Citicards issues: Cards, Payments and Charges, Account. How do I activate my new credit card? You can easily activate your credit card online or by calling 1-800-621-2554 . Questions & Answers. CT and Saturday, 9:00 a. Minneapolis, MN 55440. U. Mar 09, 2021 · Contact Capital One customer support at toll-free or fraud protection phone number. Apr 09, 2007 · You may also report a lost or stolen debit or credit card or replace a card 24 hours a day, 7 days a week. Inc. Contact us at 1-877-804-1082. Yes, Accept Cookies. BMO Mastercard company holds special events from time to time. 800-622-7747: Customer Service. Toll-Free Number: (866) 453-2636. Phone Number:1 (800) 481-3239. To reach a representative, select 0# after account Mar 09, 2021 · Contact Capital One customer support at toll-free or fraud protection phone number. : go to the Mastercard site - This link will open in a new window. For credit cards, mortgage and other banking products from Citi: Customer Service. Nov 17, 2020 · If you have a Discover credit card, you can reach out to customer service by phone or email 24 hours a day, seven days a week. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services how do-i-contact-paypal-cashback-mastercard-customer-service. 866-437-0011. 3131 and ask for the Service Delivery Client Service Call Center. If it is after business hours, please call 1-888-883-9826. Oct 16, 2021 · Call MasterCard customer service faster with GetHuman. combo MENU. Hours: Daily: 6:00 am - 6:00 pm (PT) Mailing Address. For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback. General customer service phone support. There are actually two different ways to get Capital One support 24 hours a day, 7 days a week – online and by calling the number on the back of your card or the relevant credit card support department, based on your needs. OneVanilla 569. Call or write an email to resolve Acima Credit issues: Payments and Charges, Request for Information, Account. Business Customer Service: Customer Service: (877) 596-5407. Jun 24, 2021 · Green Dot Corporation Customer Service Phone Number (866) 795-7597, Email, Address. For the latest cancellation or change policy information, please visit the airline or other travel service provider’s Apr 02, 2021 · Synchrony Bank Customer Service Phone Number (866) 226-5638, Email, Address. Feb 24, 2021 · To reach Credit One customer service, call (877) 825-3242. com or live chat for more information. Mar 30, 2021 · US Bank Customer Service Phone Number (877) 838-4347, Email, Address. (including lost or stolen card) 800. How Can I View My In-Store Purchases Online? View More. Customer Service. Aug 26, 2021 · To transfer service to a new address, call (855) 363-4906. . Box 71160, Honolulu, HI 96807-1160. Loss Mitigation, Bankruptcy Filings, Real-Estate Owned (REO) and Short Sale Inquiries. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U. Customer Service Number. To activate your business card, follow the instructions that came with your card or call 800-720-BANK. Business checking: 800-673-3555. Contact us by mail. Outside the U. Mortgage Summer Newsletter MENU. Box 391 Lynn, Massachusetts Jul 12, 2021 · Frequently used phone numbers: Consumer checking: 800-872-2657. net or live chat for more information. acimacredit. Lost or Stolen Credit Cards. Minneapolis, MN 55403 BMO Mastercard Customer Contact Centre – 1-800-263-2263 Lost or Stolen Card & Emergency Card Services – 1-800-361-3361 (Canada & U. To reach a representative, select 0# after account Service available 24 hours a day, 7 days a week; Desjardins Bank: 1-800-454-5058; Mastercard Global Service. If you can't find what you're looking for, let us know. In Guam and Saipan: Call our customer service center toll-free at 1-877-553-2424. SunTrust Business Online MENU. 848. For account servicing requests, you may send our customer service team a secure, encrypted message once you have logged in to our website. (800) 786-8787. Payment address. 677. sunday - saturday, 9:00 am to 5:00 pm, eastern time Pay/Manage My Credit Card Meijer Credit Card Meijer Mastercard® 10¢ off every gallon of gas (Meijer gas stations) 1 $10 reward for every $750 spent 2: $10 off first purchase when approved 3: no annual fee 4 Jun 01, 2021 · Contact Avant customer support at toll-free or accounting/ billing phone number. Consumer credit cards: 800-285-8585. Jul 12, 2021 · Frequently used phone numbers: Consumer checking: 800-872-2657. Speedway Attn: Credit Customer Service P. - 7:00 p. Customer Service Manager 100 Phoenix Avenue, Enfield, CT 06082. Get Mastercard consumer support. (800) 443-1032. All Contact Info; Member Services: 1-915-778-9221 1-800-772-GECU. for toll-free numbers. Barclays strives to make it easy for your voice to be heard. S. A. Monday - Friday: 7:00AM-8:00PM. Updated on 06/08/2021. 3950. +1 636 722 7111 from overseas. : 1-800-Mastercard (1-800-627-8372) Outside the U. Phone Number: You can reach BMO Mastercard customer support by calling 1-800-263-2263 number directly. Delta Airlines 1634. Citibank Online MasterCard ® and the MasterCard ® Brand Mark are registered trade marks of MasterCard International Incorporated. Oct 19, 2021 · There are many ways to contact Chase Customer Service, but the fastest method is to call. 800-622-7747. Description Phone Number; Everyday Banking; Banking Accounts Client Cards Lines of Credit and Loans Mortgages: 1-800-769-2511 Teletypewriter (TTY) Services for those who are deaf or hard of hearing: 1-800-661-1275 You can dispute a debit or credit card transaction electronically via your Online Banking account by going to the Customer Service tab. Write to Us. Cardmembers with travel plans within the next seven (7) days are encouraged to contact the Club Rewards Call Center at 1-800-234-4034 for assistance between the hours of 8 a. Current Available Properties Marathon Petroleum Company LP 539 S. Hours: 8:00 AM to 8:00 PM Mon-Thurs, 8:00 AM to 6:00 PM Friday, 9:00 AM to 3:00 PM Saturday Citizens Bank Home Equity Loans® Customer Service 1-800-340-5626 for questions regarding an application for a new home loan. Customer Service Team: 1-800-EASTERN (327-8376) Eastern Bank's automated Account Information Line gives you access to a host of banking information and features 24 hours a day, 7 days a week. Bank Business Leverage ® Visa Signature ®. Bank of America customer service information is designed to make your banking experience easy and efficient. Home Borrowing. For insurance-related questions, please contact your local BXS Insurance Office. continentalfinance. 800-645-2103 (24 hours a day) From outside the U. Latitude GO MasterCard. Uber Visa Debit Card. 800 276 9939. 1-855-256-2559. 276. Genesis FS Card Services. Phone Hours. Talk to a Capital One associate today–no SOS required. ) (24 hours a day / 7 days a week) Customers can also explore their customer center, which contains answers to frequently asked questions. Jun 28, 2021 · Delta Airlines Customer Service Phone Number (800) 325-8224, Email, Address. Mail. In Hawaii: Bank of Hawaii, ACH Operations 121, P. You can also complete the form below and a member of our client care team will be in touch. Box 1500 Springfield, OH 45501 Credit Card Account. Our customer service begins with the sale and never ends. Get answers to the most popular FAQs and easily contact us through either a secure email address, a mailing address or our customer service phone numbers. 1-800-684-2222 for questions about your credit cards. Credit Card. Saturday 9AM – 5:30PM ET. Compare MasterCard's phone number, and help-desk. Interested in opening an account? 800-FIDELITY (800-343-3548). Access our automated self-service phone system seven days a week, 24 hours a day. Milestone Mastercard Phone Numbers and Emails. Main Street - Room 1604 Aug 26, 2021 · To transfer service to a new address, call (855) 363-4906. capitalone. Capital One Customer Service Phone Number. 757. Get the card support and help information you need from Mastercard. Contacting BMO Mastercard to Verify Business Hours. Hours: 24 hours, 7 days; best time to call: 10:45am. Monday-Friday 8AM – 9PM ET. Box 8801. 321. 1300 462 273 within Australia. Continental Finance Company is proud of our customer feedback. Learn more about banking with us. how do-i-contact-a-paypal-extras-mastercard-customer-service-representative. Apr 16, 2021 · Skylight One Customer Service Phone Number (888) 606-9800, Email, Address. Get real answers from real people. Saturday: 9:00 AM-3:00 PM. For all other business credit card needs, use the following customer service numbers: U. [email protected] Cards. Debit MasterCard. Note: TTY/TDD phones services for the Sep 28, 2021 · Contact Continental Finance customer support at toll-free or accounting/ billing phone number. Credit Card Billing Inquiries. The fastest way to contact MasterCard, the best MasterCard phone number available and their other best contact information, with tools and instructions for skipping the wait and resolving your issue quickly, as well as tips for specific popular customer service issues and reviews, advice and ex If your question isn't listed here, we recommend you contact the financial institution that issued your card. Mortgage Customer Service: 800-365-7772. Affirm 4141. Lost or Stolen Card. com. Customer service. By U. Advantage Checking Combo Offer MENU. Central time (CT). (800) 343-7064. 1-877-383-4802 For faster customer service, please use the links above to contact the appropriate customer service center for your specific needs. Find a branch. 24/7. If your mortgage originated with BB&T, contact (800) 295-5744 . Sep 28, 2021 · Contact Citicards customer support at toll-free or business customer service phone number. Find a location. Mastercard is a registered trademark and the circles design Apr 30, 2021 · The Capital One credit card customer service hours are 24/7, so it's possible to get help with a Capital One credit card account any time. If you are a Financial Institution interested in experiencing the benefits of a strong Agent Credit Card Program, please complete the form below. wyndhamhotels. 4701 (international cell phone roaming charges may apply) 24/7. Is it OK if we also use cookies to show you personalized ads? Consumer Credit Card. Open Business Banking Checking Account MENU. 671. If you need assistance, please contact Business Client Services at 855-274-2800 or Personal Client Services at 855-SNB-7500 (855-762-7500). mastercard. Brokerage, Mutual Fund, and IRA Account questions? 800-544-6666. Business credit cards: 866-485-4545. Saturday, 8am-9pm. Call or write an email to resolve Avant issues: Payments and Charges, Product/ Service, Request for Information. Oct 19, 2020 · Slow, incompetent, and unhelpful customer service is a systemic issue that plagues many companies and consequently consumers. mastercard customer service hours

Crisp White Taubmans


Источник: http://mather-forklift.com/yqfri/mastercard-customer-service-hours.html

Kasasa Cash®

Finally, a checking account that’s all about you. Earn cash rewards EVERY MONTH with free Kasasa Cash® Checking

2.50% APY*

on balances up to $20,000 when qualifications are met.

0.05% APY*

on all balances even if qualifications aren’t met.

Here’s how to earn your Kasasa Cash® rewards…

  • At least 12 debit card purchases
  • One or more Direct Deposit or Automatic Debit (ACH) transactions
  • Be enrolled in and agree to receive e-Statements

Community Commitment

At Eastern Connecticut Savings Bank we take the community bank designation very seriously. We make it our mission to give back to the communities we serve. Every year we support local charities and organizations through volunteering efforts and charitable giving through the ECSB Foundation.

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Testimonials

Hank’s Dairy Bar

Over the years we forgot what a bank should be. We were more than numbers on the checking account or statement report. We were hard working self-employed individuals and our money and time were important to us. Our old bank was just that, our old bank. When we walked into Eastern CT Savings Bank we were greeted with a smile and an acknowledging hello and it wasn’t long before it turned into a cheery “Good Morning Scott” as I approached the counter. Read more

Read More about Hank’s Dairy Bar

Collins & Jewell Company

We began banking with Eastern due to their “out of the box” way of thinking as it pertained to the financing of our new building. Other banks wanted us to inject more equity prior to financing to fill the “gap” of actual construction costs versus appraised value. Eastern was well connected with other agencies that helped us fill that gap and made the completion of our building a reality. Read more

Read More about Collins & Jewell Company

Covid-19 Update

Our lobbies are open and we’re excited to welcome you back!  Please CLICK HERE for more information on branch hours and updates on our response to COVID-19. Read more

Learn about our Covid Response

Information for Debit Card Holders

Due to concerns relating to security and identity fraud, Eastern CT Savings Bank prohibits ATM or debit card transactions in certain locations. Blocked Debit Card Transactions in Foreign Countries/Areas: Due to fraudulent debit card activity, the following countries are blocked for all debit card transactions: Australia, Angola, Algeria, Benin, Brazil, Chile, China, Cameroon, Egypt, Ivory… Read more

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Foundation

In 1999, the Board of Directors established a charitable 501(c)(3) foundation as an extension of Eastern CT Savings Bank’s commitment to our communities.  Our Foundation provides financial support to nonprofit organizations and community programs that impact the quality of life for residents of eastern Connecticut (New London and Windham Counties). Eligibility: Non-profit organizations exempt from federal… Read more

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Источник: https://www.bankeasternct.com/

 

Bank and Payment Options/Pay My Visa Fee

On this page:


Overview

Most applicants, including children, are required to pay a Machine Readable Visa (MRV) fee to initiate their U.S. visa application. This US Government-mandated fee is a visa processing fee that is payable whether or not a visa is issued.

The MRV fee is non-refundable and non-transferable. Applicants should first determine whether or not they require a visa to travel to the US before submitting their applications.

Examples of individuals that may not require a visa include, but are not limited to:

  • If you are applying for an A or G visa for official travel, you do not need to pay the MRV fee
  • If you are applying for a J visa to participate in a U.S. Government-sponsored program (programs beginning with G-1, G-2, G-3, G-7), you do not need to pay the MRV fee
  • If you already hold a valid visa for your intended purpose of travel, you may not need a visa
  • If you are a citizen of Canada or Bermuda (but not applying for an A, E, G, K or V visa category), you may not need a visa

If you do need to apply for a visa, please follow the payment instructions below. Applicants must make a successful payment before they are permitted to schedule their interview appointment. Applicants who do not pay the correct fee for their visa type may be restricted from scheduling an interview.

Once the initial interview is scheduled, applicants are limited to the number of times they can reschedule their appointment. If you miss your scheduled appointment time, you may be required to pay the MRV fee again in order to schedule another interview. Please plan accordingly so that you are not required to pay an additional visa application fee. Visa application fees are non-refundable.

Issuance Fee (Reciprocity Fee)

Depending on your citizenship and the type of visa you are applying for, you may also have to pay a visa issuance or “reciprocity” fee. This fee is not an MRV Fee and cannot be used to schedule an appointment. Please make sure that you pay the reciprocity fee in advance only if you are renewing your previous and submitting your application through interview-waiver channel. If you are scheduling your interview appointment, do not pay the reciprocity fee in advance; the fee should be paid at the time of your interview at the Consular Section of U.S. Embassy/Consulate General.

Please check this page to find out the applicable reciprocity fee amounts.

Instructions to Pay Your Visa fee

In Bangladesh you may pay your Visa Fee in person at any of the branches of Eastern Bank Limited (EBL). For a full list of branches, please click here. You must first register on the applicant site and choose the ‘schedule your appointment’ option to access the payment option details. See below for the steps.

Step 1

Log-in to our online applicant system and create a profile. This will ensure the proper amount is paid and activated in timely manner. Values are shown in U.S. Dollars (USD); however the fee payable is in Bangladeshi Taka (BDT) if you are making the payment in Bangladesh. This page has more information about the different visa application fees.

Step 2

Click on Schedule My Appointment option on the left-hand side of your screen. Complete Steps for Visa Type, Post, Visa Category and Visa Class.

Step 3

Once you are on the Payment screen, click on Payment Options. You will print your CGI Deposit slip to take to the selected EBL location. DO NOT PRINT MULTIPLE COPIES OF THE DEPOSIT SLIP. If you are applying for multiple visas for your family or group, only ONE payment is required.

The BDT amounts are based on the consular currency exchange rate determined by the U.S. Department of State. Applicants who do not pay the correct fee for their visa type may be restricted from scheduling an interview.

Step 4

Visit any EBL location to pay your visa fee. When you pay the visa fee, you acknowledge that this is a non-refundable visa application processing fee required as a prerequisite to the processing of an application. It does not indicate the existence of a contract with the applicant, nor does it guarantee a successful application. There is no refund possible regardless of the outcome of this application.

Step 5

After you have paid the visa application fee save the EBL Bank Cashier receipt for your records. It cannot be replaced if it is lost. You will not be able to schedule an appointment without your CGI Reference number.

Step 6

Once you pay your visa fee, you can schedule your interview at 1100am the following business day. Log-in to your profile and complete the Schedule Your Appointment steps with your receipt number.

Fee Payment Options

Cash at any Eastern Bank Limited (EBL) Branches:

Step 1: You can pay your nonimmigrant visa (NIV) application fee in cash at any of Eastern Bank (EBL) branches. Before going to the payment location, you must print and carry the applicable U.S. visa fee collection slip available after logging into your profile.

DO NOT PRINT MULTIPLE COPIES OF THE DEPOSIT SLIP. If you are applying for multiple visas for your family or group, only ONE payment is required. Only ONE CGI Deposit Slip is required. Take the printed deposit slip with you to pay your fee. Be sure that you pay the exact amount indicated on the deposit slip.

Step 2: At the EBL branch, you will be asked to complete a second customized deposit slip for US Visa Fee payments. You must include all the relevant data from your CGI collection slip on the EBL slip.  EBL Deposit slips will be in 2 ply (Carbonized copy). The branch will affix “receipt“ seal on one copy and return to the applicant as a proof of receipt of fund and will retain another for its record.

Save your receipt with the CGI Reference number. It cannot be replaced if it is lost. You will not be able to schedule an appointment without your CGI Reference number.

Scheduling Your Interview

Whether you schedule your appointment online or contact our call center, you will need the CGI Reference Number from your printed deposit slip.

EBL Bank Receipt

PLEASE NOTE: ‘Source of Funds’ field should read ‘personal funds’ unless otherwise known.

Cash at EBL Bank

See the table below for processing timelines

Time of PaymentInterview Booking

Pay before 4pm local time

(Sun- Thurs)

11am local time the next business day.
Example: If you pay on Monday before 4pm, your receipt will be activated after 11am on Tuesday
Источник: https://www.ustraveldocs.com/bd/bd-niv-paymentinfo.asp

Online Payments

“Chase,” “JPMorgan,” “JPMorgan Chase,” the JPMorgan Chase logo and the Octagon Symbol are trademarks of JPMorgan Chase Bank, N.A.  JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

"Chase Private Client" is the brand name for a banking and investment product and service offering, requiring a Chase Private Client Checking account.

Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit products and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC.

© 2021 JPMorgan Chase & Co.

Источник: https://www.chase.com/personal/credit-cards/login-epay

Mastercard BIN list Mastercard Debit Cards — Eastern Bank - IIN 510921

Anatomy of an Eastern Bank Mastercard Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 5 indicates that this is a Mastercard card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 510921 indicates that this card was issued by Eastern Bank in United States.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.

Источник: https://www.creditcardvalidator.org/mastercard/eastern-bank/510921

Eastern bank credit card apply -

Eastern Bank was founded in 1818 in Boston. Over time, the bank has grown to include checking and savings accounts, certificates of deposit, money market accounts, credit cards, investments and insurance products. Eastern Bank operates as a mutual company so it is driven by its customers’ goals. 

For a small bank, Eastern Bank offers a wide variety of bank accounts. This means you can open an account from a simple savings account to an interest-earning checking account, depending on your financial situation. You’ll find low minimum deposit requirements across the board, although you’ll also face monthly fees. Eastern Bank does not offer the best interest rates. Still, its rates outperform many big bank’s offerings.

Products Offered

ProductKey Features
Savings Account
Certificates of Deposit
Money Market Accounts
  • Three account options
  • No (or low) monthly fees
Checking Accounts
  • Three account options
  • No monthly fees
  • No monthly balance requirements

Eastern Bank Interest Rate Comparison

Statement Savings

Key FeaturesDetails
Minimum Deposit$10
Access to Your Savings AccountOnline and mobile.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fee
Current Terms and Rates0.02% APY

Eastern Bank’s Statement Savings account is as basic of a savings account as you can get. You need only $10 to open this account. The account doesn’t charge a monthly service fee, opening up the opportunity to save to those who can’t easily afford a monthly fee. 

However, the Statement Savings interest rate won’t result in big savings.This is one of the lowest rates out there, so if you really want to boost your savings, you’ll want to look elsewhere. 

Certificates of Deposit (CDs)

Key FeaturesDetails
Minimum Deposit
  • Terms less than 12 months: $2,500
  • Terms of 12 months and longer: $500
Access to Your CD AccountOnline and mobile.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fee, but early withdrawal penalties may apply.
Current Terms and Rates
  • 3-5 Month: 0.05% APY
  • 5-11 Month: 0.05% APY
  • 12-23 Month: 0.20% APY
  • 24-35 Month: 0.20% APY
  • 36-47 Month: 0.20% APY
  • 48-59 Month: 0.20% APY
  • 60+ Month: 0.20% APY 

Eastern Bank offers a solid range of certificates of deposit, from three months to five years. That allows you to find an account (or more than one) that fits with your financial situation and savings goals. For example, you can open a three-month CD to boost your savings a little within the next three months. Or, you can choose to open a 36-month account for an expense that is a few years away, like a down payment. Just note that you’ll need to deposit at least $2,500 to open an account from three to 11 months, which is a pretty high minimum. 

The rates Eastern Bank provides aren’t entirely competitive when compared to the rest of the industry. This is especially true for the long-term accounts, which would typically carry much higher rates than you see here. 

Compare Eastern Bank to Other Competitive Offers

Premier Money Market Special 

Key FeaturesDetails
Minimum Deposit
  • $10,000 not already on deposit with Eastern Bank
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fee
Current Terms and Rates 
  • Account balances of $10 - $9,999: 0.02% APY
  • Account balances of $10,000 - $5,000,000: 0.10% APY
  • Account balances of $5,000,001 and over: 0.02%

This account is certainly best for high-net-worth individuals who can meet the minimum deposit requirement. It would also be more beneficial to maintain an account balance over $10,000 (but under $5 million) to secure the higher rate available with the account. 

Premier Money Market 

Key FeaturesDetails
Minimum Deposit$0
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fee
Current Terms and Rates
  • Account balances of $10 - $9,999: 0.02% APY
  • Account balances of $10,000 and over: 0.05% APY

This is a much more accessible money market account. It doesn’t require a minimum deposit at all, nor does it charge a monthly fee. You can also make free transfers to and from this account and an Eastern Bank checking account. 

Prime Liquid Assets

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your Money Market AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$7 monthly fee, waivable with a minimum balance of $2,500
Current Terms and Rates
  • Account balances of $10 - $9,999: 0.02% APY
  • Account balances of $10,000 and over: 0.05% APY

If you need more flexibility from a money market account, the Prime Liquid Assets account will work better for you. It earns at lower rates than the bank’s other money market accounts. Still, the rates come higher than most big banks.

Plus, this account includes the ability to write up to six checks per month. Like a savings account, this money market account is still limited to six withdrawals a month. This includes any checks you write and free transfers to a checking account.

Eastern Free Checking Account

Key FeaturesDetails
Minimum Deposit$25
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees

As its name suggests, the Eastern Free Checking account comes at no extra charge to you which makes it much easier to maintain. You will need at least $25 to open the account. 

This account includes an Eastern Bank Debit MasterCard® and unlimited check writing.

Eastern eZ Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$10 monthly fee, waivable with enrollment in eStatements and with one of the following
  • Use your debit card to make at least 15 purchases a month
  • Maintain an average monthly account balance of $1,500

The Eastern eZ Checking account offers an easier approach to banking. You can access your accounts online and mobile Plus, Eastern Bank also reimburses up to $10 in other ATMs’ surcharges per statement cycle. This makes accessing your money incredibly easy and convenient. 

This account comes with an Eastern Bank Premium Debit MasterCard® which includes higher purchase and withdrawal limits, price protection, extended warranty and identity theft resolution services. 

Premier Checking Account

Key FeaturesDetails
Minimum Deposit$500
Access to Your Checking AccountOnline, mobile and physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fee
Current Terms and Rates0.02% APY

In order to open a Premier Checking Account, you’ll need to have a combined balance of at least $25,000. This balance includes balances in checking, savings and money market accounts, CDs, IRAs, and consumer loans (not mortgages). If you do qualify, then you can open the account with a deposit of at least $500. 

The Premier Checking Account includes all the same benefits of the Eastern eZ checking account, plus extras. The best part is unlocking higher preferred rates on CDs and money market accounts. You can also benefit from discounted loan rates. You’ll receive reimbursement for all your non-Eastern ATM fees and avoid fees for overdrafts, stop payments, wire transfers, automatic balance protection, foreign currency exchange and more. 

Branch Locations

Eastern Bank maintains over 120 locations in eastern Massachusetts and southern and coastal New Hampshire. Certainly, living close to a branch can make banking much easier, allowing you to speak with a banker in person rather than a customer representative over the phone. Plus, the branches are open starting at 7 a.m. and are open on Sundays. If talking over the phone or banking online are more your speed, you can do both with Eastern Bank, as well.

Financial Statistics & Bank Health Rating

Eastern Bank has $10.87 billion in assets and $8.16 billion in loans according to the FDIC. If you choose to bank with Eastern Bank, you’ll be joining the $8.84 billion the bank currently holds as customer deposits. 

To figure out whether Eastern Bank poses any risk, you can look at its Texas Ratio. This ratio is calculated by dividing the amount of non-performing assets (unbacked current loans and real estate owned) by the sum of the bank’s tangible equity capital and its loan loss allowances. Any percentages over 90% reflect a risky bank, while any banks under 5% offer excellent reliability. Eastern Bank has a Texas Ratio of 1.08%, which bodes well for its ability to cover debts and deposits. 

Источник: https://smartasset.com/checking-account/eastern-bank-banking-review

Mastercard BIN list Mastercard Debit Cards — Eastern Bank - IIN 510921

Anatomy of an Eastern Bank Mastercard Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 5 indicates that this is a Mastercard card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 510921 indicates that this card was issued by Eastern Bank in United States.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.

Источник: https://www.creditcardvalidator.org/mastercard/eastern-bank/510921

 

Bank and Payment Options/Pay My Visa Fee

On this page:


Overview

Most applicants, including children, are required to pay a Machine Readable Visa (MRV) fee to initiate their U.S. visa application. This US Government-mandated fee is a visa processing fee that is payable whether or not a visa is issued.

The MRV fee is non-refundable and non-transferable. Applicants should first determine whether or not they require a visa to travel to the US before submitting their applications.

Examples of individuals that may not require a visa include, but are not limited to:

  • If you are applying for an A or G visa for official travel, you do not need to pay the MRV fee
  • If you are applying for a J visa to participate in a U.S. Government-sponsored program (programs beginning with G-1, G-2, G-3, G-7), you do not need to pay the MRV fee
  • If you already hold a valid visa for your intended purpose of travel, you may not need a visa
  • If you are a citizen of Canada or Bermuda (but not applying for an A, E, G, K or V visa category), you may not need a visa

If you do need to apply for a visa, please follow the payment instructions below. Applicants must make a successful payment before they are permitted to schedule their interview appointment. Applicants who do not pay the correct fee for their visa type may be restricted from scheduling an interview.

Once the initial interview is scheduled, applicants are limited to the number of times they can reschedule their appointment. If you miss your scheduled appointment time, you may be required to pay the MRV fee again in order to schedule another interview. Please plan accordingly so that you are not required to pay an additional visa application fee. Visa application fees are non-refundable.

Issuance Fee (Reciprocity Fee)

Depending on your citizenship and the type of visa you are applying for, you may also have to pay a visa issuance or “reciprocity” fee. This fee is not an MRV Fee and cannot be used to schedule an appointment. Please make sure that you pay the reciprocity fee in advance only if you are renewing your previous and submitting your application through interview-waiver channel. If you are scheduling your interview appointment, do not pay the reciprocity fee in advance; the fee should be paid at the time of your interview at the Consular Section of U.S. Embassy/Consulate General.

Please check this page to find out the applicable reciprocity fee amounts.

Instructions to Pay Your Visa fee

In Bangladesh you may pay your Visa Fee in person at any of the branches of Eastern Bank Limited (EBL). For a full list of branches, please click here. You must first register on the applicant site and choose the ‘schedule your appointment’ option to access the payment option details. See below for the steps.

Step 1

Log-in to our online applicant system and create a profile. This will ensure the proper amount is paid and activated in timely manner. Values are shown in U.S. Dollars (USD); however the fee payable is in Bangladeshi Taka (BDT) if you are making the payment in Bangladesh. This page has more information about the different visa application fees.

Step 2

Click on Schedule My Appointment option on the left-hand side of your screen. Complete Steps for Visa Type, Post, Visa Category and Visa Class.

Step 3

Once you are on the Payment screen, click on Payment Options. You will print your CGI Deposit slip to take to the selected EBL location. DO NOT PRINT MULTIPLE COPIES OF THE DEPOSIT SLIP. If you are applying for multiple visas for your family or group, only ONE payment is required.

The BDT amounts are based on the consular currency exchange rate determined by the U.S. Department of State. Applicants who do not pay the correct fee for their visa type may be restricted from scheduling an interview.

Step 4

Visit any EBL location to pay your visa fee. When you pay the visa fee, you acknowledge that this is a non-refundable visa application processing fee required as a prerequisite to the processing of an application. It does not indicate the existence of a contract with the applicant, nor does it guarantee a successful application. There is no refund possible regardless of the outcome of this application.

Step 5

After you have paid the visa application fee save the EBL Bank Cashier receipt for your records. It cannot be replaced if it is lost. You will not be able to schedule an appointment without your CGI Reference number.

Step 6

Once you pay your visa fee, you can schedule your interview at 1100am the following business day. Log-in to your profile and complete the Schedule Your Appointment steps with your receipt number.

Fee Payment Options

Cash at any Eastern Bank Limited (EBL) Branches:

Step 1: You can pay your nonimmigrant visa (NIV) application fee in cash at any of Eastern Bank (EBL) branches. Before going to the payment location, you must print and carry the applicable U.S. visa fee collection slip available after logging into your profile.

DO NOT PRINT MULTIPLE COPIES OF THE DEPOSIT SLIP. If you are applying for multiple visas for your family or group, only ONE payment is required. Only ONE CGI Deposit Slip is required. Take the printed deposit slip with you to pay your fee. Be sure that you pay the exact amount indicated on the deposit slip.

Step 2: At the EBL branch, you will be asked to complete a second customized deposit slip for US Visa Fee payments. You must include all the relevant data from your CGI collection slip on the EBL slip.  EBL Deposit slips will be in 2 ply (Carbonized copy). The branch will affix “receipt“ seal on one copy and return to the applicant as a proof of receipt of fund and will retain another for its record.

Save your receipt with the CGI Reference number. It cannot be replaced if it is lost. You will not be able to schedule an appointment without your CGI Reference number.

Scheduling Your Interview

Whether you schedule your appointment online or contact our call center, you will need the CGI Reference Number from your printed deposit slip.

EBL Bank Receipt

PLEASE NOTE: ‘Source of Funds’ field should read ‘personal funds’ unless otherwise known.

Cash at EBL Bank

See the table below for processing timelines

Time of PaymentInterview Booking

Pay before 4pm local time

(Sun- Thurs)

11am local time the next business day.
Example: If you pay on Monday before 4pm, your receipt will be activated after 11am on Tuesday
Источник: https://www.ustraveldocs.com/bd/bd-niv-paymentinfo.asp

Mastercard customer service hours

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Crisp White Taubmans


Источник: http://mather-forklift.com/yqfri/mastercard-customer-service-hours.html

Contact Us

Home Mortgage

Customer Service

1-800-357-6675
Mon – Fri: 6 am - 10 pm
Sat: 8 am - 2 pm
Central Time

Financing

1-877-937-9357
Mon – Fri: 7 am - 8 pm
Saturday: 8 am - 6 pm
Central Time

Apply for a mortgage

Mortgage Military Customer Service

1-866-936-7272
Mon – Fri: 6 am - 8 pm
Sat: 8 am - 2 pm
Central Time

Mortgage FAQs

Home Equity

Customer Service

1-866-820-9199
Mon – Fri: 7 am - 10 pm
Sat: 8 am - 2 pm
Central Time

Financing

1-888-667-1772
Mon – Fri: 7 am - 8 pm
Sat: 7 am - 4 pm
Central Time

Auto Loans

1-800-289-8004
Mon – Thurs: 7 am – 10 pm
Fri: 7 am – 9 pm
Sat: 7 am – 5:30 pm
Central Time

Student Loans

Student Loan FAQs


Personal Loans

To open a new account: 1-877-526-6332
Mon – Fri: 8 am – 7 pm
Central Time

Learn more about Personal Loans

Personal Loan FAQs

Personal Loans & Lines of Credit

For questions about your existing account:

Personal Loans, CD/Savings Secured Loans, CD/Savings Secured (Portfolio) Lines of Credit and Motorcycle and Specialty Vehicle Loans 

Customer Service: 1-877-269-6056
Mon – Fri: 7 am – 7 pm
Central Time

Other Personal Lines of Credit

Customer Service: 1-800-946-2626
24 hours a day, 7 days a week

Источник: https://www.wellsfargo.com/help/contact-us/

Prelude:

It is new dynamic millennium of 21st century. The business world is going more competitive to sustain their customers. Especially banks are directly engage to upgrade the social economy. It is well known that the bank is service-oriented and as a service-oriented organization Eastern Bank Limited is serving the customer through its different department. These are:

  1. General Banking Department
  2. Corporate Department
  3. Credit or Advance Department
  4. Foreign Exchange Department

Eastern bank Limited today has a strong motivated and dedicated management and stuff that are the pathfinders for introduction of sophisticated products. It is nearly in the offering to introduce soon mobile banking, Internet banking etc. and also more new products. These positive things shall broaden our customer base and enable the bank to have a competitive edge on other banks.

Objective of the study:

The objective of the study is to gather practical knowledge regarding general banking, foreign exchange, & credit system and its operations.

The study will cover the following specific points:

  • To apply theoretical knowledge in the practical field.
  • To know the organizational framework of EBL.
  • To learn about banking operation system.
  • To forecast the policy of EBL.
  • To study about general banking system, crediting system & foreign exchange activities.
  • To examine sectored allocation of deposits.
  • To evaluate credit standard of EBL.
  • To identify the employee’s satisfaction & as well as customer’s too.
  • To highlight the difference of EBL with other public & private banks.

Methodology:

The report has been prepared on the basis of the experience gained during the period of the internship the significant features of the report is the use of the both primary and secondary data.

I have collected the primary data from the sample units by direct interview method. I have worked full time in the bank and observed customers service & dealing of all department.

The secondary data were collected from books, paper, magazine, bulleting, circular, memorandum, documents, and monthly transaction record book of the bank. The collected data and information have been tabulated, processed analyzed and graphically presented in order to make the study more informative, useful, and purposeful.

Limitation:

With a very short period of time it is not easy to complete all the aspects of banking clearly. But I have tried my best to fulfill all the shortcomings and try to gather necessary data’s so far as possible and try to prove IIUC’s graduate Masters Students are confident enough for facing every challenge.

Despite of my diligent efforts, there may have some lacking for less understanding.

The limitations are briefly pointed out below:

  • Very short period of time to know everything.
  • Short range of data analysis.
  • The bank confidentially keeps their secret data.
  • Lack of depth of analytical banking knowledge.
  • Insufficient scrutinizes the activities of all departments.
  • The responsible officers of the bank are passing a very busy time. So they could not give me enough time.

Historical Background:

Eastern Bank Limited incorporated on 16 August 1992 as a public limited company with the primary objective of carrying out all kinds of banking business in and outside Bangladesh. It was formed by taking over the business, assets, liabilities and losses if the erstwhile Bank of Credit and Commerce International (overseas) Limited (BCCI). Eastern Bank Commenced business with four branches and an authorized capital of Tk. 1,000 million divided into 10 million share of Tk. 100 each. Tk. 600 million has been subscribed and paid up by three different classes of shareholders, namely KA, KHA and Ga. The KA-type shares (1.2 million) are those, which are fully subscribed by the government of Bangladesh. The KHA-type shares (1.90 million) are fully subscribed by the financial institution and GA-types shares (2.9 million) are subscribed by the depositors of the erstwhile BCCI branches. The bank is listed with the Dhaka Stock Exchange.

Expect the 5 months of the first year of its operations (from 16 August to 31 December 1992), the bank had regularly earned profits up to December 2000. But it had to bear and offset a pre-takeover loss of Tk. 3,138.56 million since 1992. Gradual offsetting of that loss took a long time. Maintaining provision funds for the classified loans and advances accrued to the past in BCCI also seriously affected the overall profitability of the post-takeover Eastern Bank Limited.

The management of the bank is vested in a board of directors. In 2004, the bank had a total of 561 employees and 22 branches in different places in the country.

Values of EBL:

EBL’s value statement is “Simple math, the philosophy of easy banking”. Along with the statement EBL holds the following values:

  1. Strong customers focus and build relationships based on integrity, superior service and mutual benefits.
  2. Work as a team to serve the best interest of the group.
  3. Relentless in pursuit of business innovation and improvement.
  4. Value and respect people and make decisions based on profit.
  5. Recognition and rewards based on performance.
  6. Responsible, trustworthy and law-abiding in every activity.

Business philosophy of EBL:

The philosophy of EBL is to develop the bank into and ideal and unique banking institution. The perception is that EBL should be quit different from other privately owned and managed commercial bank operating in Bangladesh. EBL is to grow as a leader in the industry rather than a follower. The leadership will be in the area of service, constant effort being made to add new dimension so that client can get “Additional” in the matter of services to commensurate with the needs and requirement of the country’s growing society and developing economy.

The present management has turned the bank into new business philosophy. Till 2003, EBL operating in a Geographical Matrix where the business of the bank was concentrated on 22 branches divided into zones. But in 2004, the new dynamic management if EBL led by the managing director Mr. K. Mahmood Sattar has changed the business philosophy into business matrix. The three main businesses that the bank is currently structured in are:

  1. Corporate
  2. Consumer
  3. Treasury

The branches of the bank are now termed as “Sales & ServicesCenter” which are solely concentrated providing service to the corporate and consumer clients and maintain relationship with them.

 Management aspects of EBL:

Like any other business organization, the top management makes all the major decisions in EBL. The board of directors being at the highest level of organizational structure plays an important role on the policy formulation. The board of directors is not directly concern with the day-to-day operation of bank. They have delegated their authority to its management committee. The board established the objectives and policies of the bank there are three committee of the board for different purpose.

  1. Executive committee comprising of 7 members of the board.
  2. Committee of the board for administrative matter.
  3. Committee to examine bad loan cases.

Then the Chief Executive Officer (CEO), who is assisted by 3 Executive Vice president (EVP), looks after day-to-day affairs of the bank, Human Resources Department, MDs Secretarial and Audit and Compliance Department are under direct control of the CEO. The three EVPs control the affair of different departments through respective departmental head.

Mid and lower level employee get the direction and instruction from the top executives about the duties and tasks they have to perform. Management of Eastern Bank Limited assumes that employees are members of the team, who actively participate in accomplishing the organization goal. The chief executive provides the guideline and board direction to the managers and employees but delegate’s responsibility for determining how task and goals are to be accomplished.

Operational aspects of EBL:

EBL is operating through 22 branches located in Dhaka, Chittagong, Khulna, Rajshahi, Sylhet, Moulvibazar, Bogura & jess ore in these branches, along with the principal branch in Dhaka, EBL is offering % types of services. These are:

Retail Banking:

The Retail banking division comprises the domestic branch network with the specialized customer credit, real estate finance. Retail banking deals with the banking services to the individuals. Eastern Bank Retail banking strategy is aimed at keeping, as closely in tune with their customers’ needs as possible and further improving the quality of advisory services. As a result, EBL offers different product ranges to different target groups. It includes the following:

  1. Deposit services: individuals may open Current, Savings, Std, Fixed deposit accounts.
  2. Wage earners services: EBL offer a few innovative schemes to Bangladeshi wage earners working overseas.

Institutional Banking:

Eastern bank offers different services to foreign mission, NGOs, and voluntary organization, consultants, airlines, shipping lines, colleges, universities, donor agencies and consultants. Product ranges to different target groups. The service includes the following:

  1. Deposit service.
  2. Current accounts in both taka & major foreign currencies.
  3. Convertible taka account.
  4. Local and foreign currency remittances.
  5. Various types of financing to cater the banking requirements of multinational clients.

Corporate Banking:

A professional account management team caters to the needs to corporate client and provides a comprehensive range of financial service to national and multinational companies. It services including following:

  1. Corporate deposit accounts.
  2. Projects finance investments, constancy and other finances.
  3. Syndicate loans.
  4. Local and international treasury product.
  5. Bonds and guarantees.
  6. Skills and responsive attention to varying lending needs.

Commercial Banking:

Being a commercial bank EBL provides comprehensive banking services to all types commercial concerns. Some of the services are:

  1. Trade finance.
  2. Issuing of import L/Cs.
  3. Advising and confirming export L/Cs.
  4. Bonds and guarantees.
  5. Investments advice
  6. Project finance opportunity for import substitution and export oriented project.

Corresponding Banking:

Service to corresponding banks includes following:

  1. Current accounts service where seen is necessary.
  2. Issue bonds and guarantees in support of their customer business
  3. Advice letter of credit and negotiation of documents.
  4. Market intelligence and status report.

Products & Services offered by EBL:

Eastern Bank Limited has verity of products offered for the retail customers as well as for corporate client are given below:

Product for retail client:

The existing products that are offered by EBL are:

  1. High performance account (HPA),
  2. Monthly income plan,
  3. Monthly deposit plan,
  4. Fast cash,
  5. Fast loan,
  6. Fixed deposit,
  7. Auto loan,
  8. Consumer loan,
  9. Loans for professional,
  10. Festi-loan,
  11. Executive’s loan.

Service for retail clients:

Services for retail clients are:

1. Sale of Bangladesh sanchaya patra, pratirakkya patra, ICB certificate etc.

2. Encashment of different sanchaya patra, ICB certificate etc.

3. EBL Q-cash ATM card.

4. Equity services bill collection.

5. Tuition fees.

6. Student file.

Product for Corporate Clients:

  1. Payment against document (PAD).
  2. Loan against trust receipt (LTR).
  3. Acceptance against ULC.
  4. Local bill purchase documentary (LBPD).
  5. Foreign bill purchase documentary (FBPD).
  6. Sight letter of credit (SLC).
  7. Letter of guarantee (LG).
  8. Secured overdraft (SOD).
  9. Demand loan.
  10. Time loan.
  11. Term loan.

Competitive situation:

Now in the competitive market it’s very difficult to survive without taking advantages from other banks. In the competitive situation the organization have to one step ahead from the relative competitors. Now in the banking sector in Bangladesh competition is extreme position. Everybody wants to the market leader by his or her products and services. Now in the local banking sector is facing competition not only each other but also the foreign banks. So the competition becomes war. In this situation every bank is very conscious about the market and the demand create from the market and try to provide the product and services at the very fast before anyone fulfills the demand. So competition is increasing day by day and it will go on in its way.

Comparison according to total assets, deposits, loans and advances and investment of four private banks with EBL.

BanksTotal AssetsTotal DepositsTotal Loans &    AdvancesInvestment
Prime Bank31,175,253,12025,965,451,36521,256,148,1208,650,125,950
Bank Asia17,810,533,52913,470,981,84911,681,169,1963,240,516,524
Mercantile Bank24,705,000,00022,385,200,00017,669,300,0005,560,570,000
Eastern Bank19,176,000,00013,661,000,00011,861,196,1965,331,354,100
One Bank13,419,000,00010,915,000,0009,613,000,0001,229,000,000

 Sources: Annual Reports

Loans and Advances of EBL:

EBL revised structure and strategies to meet the challenges of rapidly evolving technology based banking services, growing competition in the financial service industry, changes in customer’s need. These changes are designed to promote growth, enhance customer services, enrich asset quality, arrange low cost funds and maximize banks earnings.

EBL made concrete plans to restructure the entire gamut of Eastern Bank Ltd’s banking standards and its transaction viz corporate, consumer, treasury, trade services etc. This enables the bank to operate with greater efficiency in all respects thus resulting the better revenue generation compared to past years.

In 2002 EBL made significant progress in upgrading our asset portfolio by booking high quality accounts (blue chip local corporate and multinational). The effort was ongoing EBL also introducing new monitoring standards, credit approval guidance and initiated the process to establish a separate credit administration unit to ensure greater control. This brought better management of asset relationships.

The loans and advance of the bank stood at tk 11,861 million indicating an increase of 3.65% as against tk 11,288 million of preceding year.

The Credit facilities of Eastern Bank Limited:

Eastern Bank Limited offered its customer both consumer credit and corporate credit according to their demand. EBL equally emphasize on both categories. At the beginning EBL emphasize on corporate credit. But recently, EBL can understand the importance of consumer credit in the banking industry. Now they have very strong department for the consumer.

The credit facilities that offered by EBL are:

  • Cash credit (hypo)
  • Cash credit scheme
  • Lease financing
  • Hire purchase
  • Staff loan
  • Fast loan
  • Auto car loan
  • Loans for professional
  • Flexi loan
  • Executive loan
  • Loan against trust receipt (LTR)
  • Sight of letter of credit
  • Demand loan
  • Time loan
  • Term loan etc.

Growth of Loans and Advances of EBL:

Year                                Amount (Tk in million)
2000                                                             8,141
2001                                                             9,946
2002                                                           10,891
2003                                                           11,288
2004                                                           11,861

Source: Annual report

Sector-wise loans &advances

Source: Annual report

 Maturity grouping of loans and advances of EBL:

On demand                                      2004 (Taka)
Less than three months                                   2,153,884,084
More than three months but less than one year                                   1,769,655,079
More than one year but less than five years                                   5,517,480,281
More than five years                                   2,036,092,399
Total                                      384,084,253

 Maturity-type wise loans & advances

Source: Annual Report

Bank credit:

The principle reason banks is chartered is to make loans to their customers, banks are expected to support their local communities with an adequate supply of credit for all legitimate business and customer financial needs and to price that credit reasonably in line with competitively determine interest rates. Indeed, making loan is the principle economic function of the banks-to fund consumption and investment spending by businesses, individuals and units of government. How well a bank performs its lending function has a great deal to do with the economic  health of its region, because bank loan support the growth of new business and jobs within the bank’s trade territory and promote economic vitality. Moreover, bank loans often seem to convey positive information to the marketplace about a borrower’s credit quality, enabling a borrower to obtain more and perhaps somewhat cheaper funds from the sources.

Types of loan made by banks:

Bank loans may be divided into seven broad categories of loans, delineated by their purposes:

  1. Real Estate loan: REL, which are secured by real property-land, buildings and other structures and which includes short term loans for construction and land development and longer term loans to finance the purpose of farmland, homes, apartments, commercial structure and foreign properties.
  2. Financial institution loans: FIL includes credit to bank, insurance companies, finance companies and other financial institution..
  3. Agricultural loans:AL extended to farm and ranch operation to assist in planting and harvesting crops and to support the feeding and care of livestock.
  4. Commercial and industrial loans: C & IL granted to business to cover such expenses as purchasing inventories, paying taxes and meeting payrolls.
  5. Loans to individuals: Loans to individuals, including credit to finance the purchase of automobiles, mobile homes, appliances and other retail to repair and modernize homes, cover the cost the medical care and other personal expenses, either extended directly to individuals or indirectly through retail dealers.
  6. Miscellaneous loans: ML, which includes all those loans not classified here, including securities’ loan.
  7. Lease financing receivables, where the bankbuys equipment of vehicles and lease them to its customers.

Factors determining the growth and mix of bank loans:

Characteristics of the market area: One of the key factors in shaping an individual bank’s loan portfolio is the profile of characteristics of the market area it serves. Each bank must respond to the particular demands for credit rising from customer in its own market. A bank serving a suburban community with large number of single family home and small retail stores will normally have mainly residential real estate loans, automobile loans, and credit for the purchase of home appliances and for meeting household expenses. In contrast, a bank situated in a central city surrounded by office buildings, department stores and manufacturing establishments will typically devote the bulk of its loan portfolio to business loan designed to stock shelves with inventory, purchase equipment and meet payrolls. Of course, banks are not totally depending on the local areas they serve for all the loans they acquire. They can purchase whole loans or prices of loans from other banks, shares in loans with other banks (known as participants) or even use credit derivatives to offset the economic volatility inherent in loans for their trade territory. These steps can help to reduce the risk of loss if the local areas served by the bank incur severe economic problems.

Bank size: Bank size is also a key factor shaping the composition of the bank’s capital, which determines its legal lending limit to single borrowing customer. Larger banks typically are wholesale lenders, devoting the bulk of their credit portfolio to large domination loans to corporations and other business firms. Smaller loans, on the other hand, tend to emphasize retail credit; in the form of smaller-denomination personal cash and investment loans and homes mortgage loans extended to individuals and families, as well as smaller business loans to firms and ranches. The smaller banks are more heavily committed to real estate and a agricultural loans compared to the largest banking firms, which are more heavily committed to commercial loans.

Experience and expertise of management: The experience and expertise of management in making different types of loans also shape a bank’s loan portfolio mix, as does the bank’s official loan policy, which prohibits its loan officers from making certain kinds of loans.

Expected yield: Loan mix at any particular bank depends heavily as well as upon the expected yield to the bank that each loan offers compared t6o the yields on all other asset s the bank could acquire. Other factors held equal, a bank would generally prefer to make loans bearing the highest expected returns after all expenses and the risk of loan losses are taken into account. One way banker can assess this yield versus cost factor is to set up a cost accounting system that considers all expected revenues along with the direct and indirect cost of making each type of loan. As a general rule, a bank should make those type of loans for which it is the most efficient producer.

Establishing a written policy of bank loan:

One of the most important ways a bank makes sure its loans meet regulatory standards and are profitable is to establish a written loan policy. Such a policy gives loan officers and the bank’s management specific guidelines in making individual loan decisions and in shaping the bank’s overall loan portfolio. The actual makeup of a bank’s portfolio should reflect what its loan policy says. Otherwise the loan policy is not functioning effectively and should be either revised or more strongly enforced by senior management.

 The most important elements of a good “bank loan policy” include:

  1. A global statement for the bank’s loan portfolio (i.e. statement of the characteristics of a good loan portfolio for the bank in terms of types, maturities, sizes and quality of loans).
  2. Specification of the lending authority given to each loan officer and loan committee (measuring the maximum amount and types of loan that each person and committee can approve and what signature are required).
  3. Lines of responsibility in making assignments and reporting information within the loan department.
  4. Operating procedures for soliciting, reviewing, evaluating and making decisions on customer loan applications.
  5. The required documentation that is to accompany each loan application and what must be kept in the bank’s credit files (required financial statements, security agreements etc).
  6. Guidelines for talking, evaluating and perfecting loan collateral.
  7. Lines of authority within the bank, detailing who is the responsible for maintaining and reviewing the bank’s credit files.
  8. A presentation of policies and procedures for setting loan interest rates and fees and the terms for repayment of loans.
  9. A statement of quality standards applicable to all loans.
  10. A statement of the preferred upper limits for total loans outstanding (i.e. the maximum ratio of total loans total assets allowed).
  11. 29A decision of the preferred procedures for detecting, analyzing and working out problem loan situations.

 The advantages of written loan policy are that, it communicates to employees working in the loan department, what procedures they must follow and what their responsibilities are. It helps the bank move toward a loan portfolio that can successfully blend multiple objectives, such as promoting the bank’s portfolio, controlling its risk exposure and satisfying regulatory requirements. While any written loan policy must be flexible due to continuing changes in economic conditions and regulations, violations of a bank’s loan policy should be infrequent events.

Credit analysis: What makes a good loan?

The division of the bank responsible for analyzing and making recommendations on the fate of most loan applications is the credit department. Experience has shown that this department must satisfactorily answer three major questions regarding each loan application:

  1. Is the borrower credit worthy? How do you know?
  2. Can the agreement be properly structured and documented so that the bank and its depositors are adequately protected and the customer has a high probability of being able to service the loan without excessive strain?
  3. Can the bank perfect its claim against the assets or earnings of the customer so that, in the event of default, bank funds can be recovered rapidly at low cost and with low risk?

Risk factors of Loans & Advances:

Before loan settlement the bank must carefully remember the risk factors. The following situation and circumstances may tell upon the company’s performance. The bank can consider the factors before settle of loan.

a)      Unforeseen situations and circumstances leading to bad investment.

b)      Sudden change in social economic environment.

c)      Continued political unrests leading to disruption in banking business.

d)     Banking sector particularly nationalized commercial bank have 40% bad loan but in private sector bank this rate comparatively lower at present. In this event if investment turns bad this percentage go up therefore bear risk.

e)      The bank should not encourage any hi-tech project or in any such project which involves technological risk.

f)       In the event of introduction of any new laws or regulations by any regulatory body of the country may leads to risk.

g)      Potential changes in global or national policy may impose risk.

Bank’s sources of credit information:

  1. 1.     Personal interview
  2. 2.     Financial statement
  3. 3.     Bank’s own record
  4. 4.     Market report
  5. 5.     Credit information bureau
  6. Other sources

Factors influencing the commercial bank’s credit policy:

  1. Capital position of the bank
  2. Earning requirements
  3. Stability of deposits
  4. Experience and efficiency of the bank personnel
  5. Credit needs of the area served.

Features of good securities:

  1. Acceptability
  2. Ability
  3. Marketability
  4. Liability free
  5. Transferability
  6. Stability of price
  7. Liquidity
  8. Quality of the assets.

A few usual securities against banker’s advances:

  1. Immoveable properties
  2. Personal securities
  3. Goods and products as securities
  4. Marketable securities
  5. Documents:
    1.                     i.            The main deed or the certificate copy with receipt of the land/property.
    2.                   ii.            C.S, S.A, R.S khatiyan.
    3.                 iii.            Non-encumbrances certificate.
    4.                 iv.            Approval plan of the building that will establish on the land.
    5.                   v.            Evaluation certificate of the property from the related authority.
    6.                 vi.            Memorandum of deposit or title deeds.
    7.               vii.            Confirmation letter of ownership of the property from “appointed lawyer” of the bank.
    8.             viii.            Valuable goods.
    9.                 ix.            Others.

Limitation on the creation of credit of commercial bank:

  1. Lack of available cash
  2. Lack of deposits
  3. Tendency of protect in cash
  4. Decrease in public savings
  5. Habit of customer
  6. Amount of initial deposits
  7. Credit control policy of central bank
  8. Condition of the business
  9. Influence of bad debts
  10. Special situations.

Handling loan problem situations:

Inevitably, despite the safeguards most bank build into there lending programs, some loans on a bank’s books will become problem loans. Usually this means the borrower has missed one or more promised payments or the collateral pledge behind a loan has declined significantly in value. Which each problem loan situation is somewhat different, several features common to most such situation should warn a banker that troubles have set in:

  1. Unusual or unexplained delays in receiving promised financial reports and payments or in communicating with bank personnel.
  2. For business loans, any sudden change in methods used by the borrowing firm to account for depreciation, make pension plan contributions, values inventories, account for taxes or recognized income.
  3. For business loans, restructuring outstanding debt or eliminating dividends, or experiencing a change in the customer’s credit rating.
  4. Adverse changes in the price of a borrowing customer’s stock.
  5. Net earnings losses in one or more years, especially as measured by returns on the borrower’s assets (ROA), or equity capital (ROE), or earnings before interest and taxes (EBIT).
  6. Averse changes in the borrower’s capital structure (equity/debt ratio), liquidity (current ratio) or activity levels (e.g., the ratio of sales to inventory).
  7. Deviations of actual sales or cash flow from those projected when the loan was requested.
  8. Sudden, unexpected, and unexplained changes in deposit balances maintained by the customer.

The processes of recovering the bank’s fund from a problem loansituation:

  1. Bankers must always keep the goal of loan workouts firmly in mind: to maximize the bank’s chances for the full recover of its funds.
  2. The rapid detection and reporting of any problems with a loan are essential; delay often worsens a problem loan situation.
  3. The loan workout responsibility should be separate from the lending function to avoid possible conflicts of interest for the loan officer.
  4. Estimate what resources are available to collect the trouble loan, including the estimated liquidation values of assets and deposits.
  5. Loan workout personnel should conduct a tax and litigation search to see the borrower has other unpaid obligations.
  6. Foe business borrowers, bank loan personnel must evaluate the quality, competence and integrity of current management and visit the site to assess the borrower’s property and operations.
  7. Bank workout professionals must consider all reasonable alternatives for cleaning up the trouble loan, including making a new, temporary agreement if loan problem appear to be short term in nature or finding a way to help the customer strengthen cash flow (such as reducing expenses or entering new markets) or to infuse new capital into the business. Other possibilities include finding additional collateral, securing endorsement or guarantees, recognizing, merging or liquidating the firm or filing a bankruptcy petition.

Findings of EBL

However the satisfaction level of EBL is good enough. But some customers have expressed their dissatisfaction about the EBL in various aspects. It has a profound effect on the overall satisfaction level of EBL.

  1. Customer’s dissatisfaction with the incremental hidden charges and service charges while dealing with ‘EBL’.
  2. Customer’s loose temper because of taking long time for serving their purpose. Sometime it happens because of the insincerity of the ‘EBL’ officers.
  3. EBL officers sometime can’t provide services within the given time to the customers because of the dependency on other department. Personnel of related department do not realize the emergency.
  4. Communication gap with the clients while dealing with EBL.
  5. Officers very occasionally show lack of enthusiasm in dealing with the customer.
  6. Facing a huge competition in case of introducing new product in the market.
  7. The employees are not professionally trained and skilled enough.
  8. The great problem of EBL is the absence of credit card.
  9. EBL does not provide evening banking.
  10. Lack of promotional activity is another problem that is responsible for the decline of the customer’s satisfaction of EBL.
  11. Service charges of EBL are comparatively higher than other bank.

Therefore, from the above findings it has been identified that the Eastern Bank Limited has some problems. The task of this research is to identify the problems that are responsible for the decline of the credit level of EBL. The problem can be solved easily through proper steps and management needs to rethink and change the strategy.

Recommendation

I have to make some recommendation based in the findings that I have got from research. The recommendation will help the bank to take necessary steps in order to increase efficiency of EBL. The following are some recommendation for the company.

  1. EBL should withdraw the incremental hidden charges while dealing with customer.
  2. EBL officers should not take so many times for their services. They should be very sincere about their services.
  3. The inter-departmental responsiveness should be very fast and one department should realize the emergency of other department.
  4. EBL should communicate with the clients regularly either by phone or postal services.
  5. The officers should show the enthusiasm in dealing with the customer regularly because customer is the heart of a bank.
  6. EBL should introduce new produce new produces and services before any one introduce it in the market.
  7. The EBL management should appoint the trained and skilled employee or arrange a training program for the unskilled employee.
  8. EBL launched the credit card because it the modern age’s demand and the bank should consider time and its demand.
  9. EBL should open the evening banking because some banks already stared this banking facility and taking advantages.
  10. EBL should emphasize on promotional activities because in the modern world promotion is one strong media to touch the people and to reach the people.
  11. EBL should decline the charges on different services because now rivalry is extreme in the banking sector and every bank declining the charges as much as possible to take the advantages.

 Conclusion

The banking sector plays an important role in modern society and private banks have made more competitive, diversified and dynamic compare to traditional banking system. Everyday new competitors appear into the industry with better innovative ideas, products and services. In banking sector Eastern Bank Limited is a name of trust, now it is an icon of best services.

Working as an intern in the EBL, I got practical experiences of the demands of the customers and also the bank’s effort to meet them. In understanding a project, I found and evaluate the factors that are responsible for the decline of the credit level of customers of EBL. The success of a financial organization is largely dependent on the service quality promotional activity, personnel effort and distribution. From my research, it has been found that there are some problems in EBL and based on these problems I suggest some recommendations for EBL.

The reliability of the customers on EBL is increased promptly day by day. In EBL all the staffs are performing sands serving the customers untiringly. EBL keeps itself busy to serve the society, to imp rove the lifestyle of the people, to develop the business environment. EbL has been performing since 1992 but before that, it was known as BCCI and still performing well. Day by day its idea of serving is increased all over the country through setting up new branches at new places.

Eastern Bank Limited

Источник: https://www.assignmentpoint.com/business/management/credit-management-policy-eastern-bank-limited.html

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Thematic video

EBl Credit Card - ব্যবহারের অভিজ্ঞতা - You Need to Know

Prelude:

It is new dynamic millennium of 21st century. The business world is going more competitive to sustain their customers. Especially banks are directly engage to upgrade the social economy. It is well known that the bank is service-oriented and as a service-oriented organization Eastern Bank Limited is serving the customer through its different department. These are:

  1. General Banking Department
  2. Corporate Department
  3. Credit or Advance Department
  4. Foreign Inside chase bank Department

Eastern bank Limited today has a strong motivated and dedicated management and stuff that are the pathfinders for introduction of sophisticated products. It is nearly in the offering to introduce soon mobile banking, Internet banking etc. and also more new products. These positive things shall broaden our customer base and enable the bank to have a competitive edge on other perfume angel only victoria secret of the study:

The objective of the study is to gather practical knowledge regarding general banking, foreign exchange, & credit system and its operations.

The study will cover the following specific points:

  • To apply theoretical knowledge in the practical field.
  • To know the organizational framework of EBL.
  • To learn about banking operation system.
  • To forecast the policy of EBL.
  • To study about general banking system, crediting system & foreign exchange activities.
  • To examine sectored allocation of deposits.
  • To evaluate credit standard of EBL.
  • To identify the employee’s satisfaction & as well as customer’s too.
  • To highlight the difference of EBL with other public & private banks.

Methodology:

The report has been prepared on the basis of the experience gained during the period of the internship the significant features of the report is the use of the both primary and secondary data.

I have collected the primary data from the sample units by direct interview method. I first national bank fort smith arkansas phone number worked full time in the bank and observed customers service & dealing of all department.

The secondary data were collected from books, paper, magazine, bulleting, circular, memorandum, documents, and monthly transaction record book of the bank. The collected data and information have been tabulated, processed analyzed and graphically presented in order to make the study more informative, useful, and purposeful.

Limitation:

With a very short period of time it is not easy to complete all the aspects of banking clearly. But I have tried my best to fulfill all the shortcomings and try to gather necessary data’s so far as possible and try to prove IIUC’s graduate Masters Students are confident enough for facing every challenge.

Despite of my diligent efforts, there may have some lacking for less understanding.

The limitations are briefly pointed out below:

  • Very short period of time to know everything.
  • Short range of data analysis.
  • The bank confidentially keeps their secret data.
  • Lack of depth of analytical banking knowledge.
  • Insufficient scrutinizes the activities of all departments.
  • The responsible officers of the bank are passing a very busy time. So they could not give me enough time.

Historical Background:

Eastern Bank Limited incorporated on 16 August 1992 as a public limited company with the primary objective of carrying out all kinds of banking business in and outside Bangladesh. It was formed by taking over the business, assets, liabilities and losses if the erstwhile Bank of Credit and Commerce International (overseas) Limited (BCCI). Eastern Bank Commenced business with four branches and an authorized capital of Tk. 1,000 million divided into 10 million share of Tk. 100 each. Tk. 600 million has been subscribed and paid up by three different classes of shareholders, namely KA, KHA and Ga. The KA-type shares (1.2 million) are those, which are fully subscribed by the government of Bangladesh. The KHA-type shares (1.90 million) are fully subscribed by the financial institution and GA-types shares (2.9 million) are subscribed by the depositors of the erstwhile BCCI branches. The bank is listed with the Dhaka Stock Exchange.

Expect the 5 months of the first year of its operations (from 16 August to 31 December 1992), the bank had regularly earned profits up to December 2000. But it had to bear and offset a pre-takeover loss of Tk. 3,138.56 million since 1992. Gradual offsetting of that loss took a long time. Maintaining provision funds for the classified loans and advances accrued to the past in BCCI also seriously affected the overall profitability of the post-takeover Eastern Bank Limited.

The management of the bank is vested in a board of directors. In 2004, the bank had a total of 561 employees and 22 branches in different places in the country.

Values of EBL:

EBL’s value statement is “Simple math, the philosophy of easy banking”. Along with the statement EBL holds the following values:

  1. Strong customers focus and build relationships based on integrity, superior service and mutual benefits.
  2. Work as a team to serve the best interest of the group.
  3. Relentless in pursuit of business innovation and improvement.
  4. Value and respect people and make decisions based on profit.
  5. Recognition and rewards based on performance.
  6. Responsible, trustworthy and law-abiding in every activity.

Business philosophy of EBL:

The philosophy of EBL is to develop the bank into and ideal and unique banking institution. The perception is that EBL should be quit different from other privately owned and managed commercial bank operating in Bangladesh. EBL is to grow as a leader in the industry rather than a follower. The leadership will be in the area of service, constant effort being made to add new dimension so that client can get “Additional” in the matter of services to commensurate with the needs and requirement of the country’s growing society and developing economy.

The present management has turned the bank into new business philosophy. Till 2003, EBL operating in a Geographical Matrix where the business of the bank was concentrated on 22 branches divided into zones. But in 2004, the new dynamic management if EBL led by the managing director Mr. K. Mahmood Sattar has changed the business philosophy into business matrix. The three main businesses that the bank is currently structured in are:

  1. Corporate
  2. Consumer
  3. Treasury

The branches of the bank are now termed as “Sales & ServicesCenter” which are solely concentrated providing service to the corporate and consumer clients and maintain relationship with them.

 Management aspects of EBL:

Like any other business organization, the top management makes all the major decisions in EBL. The board of directors being at the highest level of organizational structure plays an important role on the policy formulation. The board of directors is not directly concern with the day-to-day operation of bank. They have delegated their authority to its management committee. The board established the objectives and policies of the bank there are three committee of the board for different purpose.

  1. Executive committee comprising of 7 members of the board.
  2. Committee of the board for administrative matter.
  3. Committee to examine bad loan cases.

Then the Chief Executive Officer (CEO), who is assisted by 3 Executive Vice president (EVP), looks after day-to-day affairs of the bank, Human Resources Department, MDs Secretarial and Audit and Compliance Department are under direct control of the CEO. The three EVPs control the affair of different departments through respective departmental head.

Mid and lower level employee get the direction and instruction from the top executives about the duties and tasks they have to perform. Management of Eastern Bank Limited assumes that employees are members of the team, who actively participate in accomplishing the organization goal. The chief executive provides the guideline and board direction to the managers and employees but delegate’s responsibility for determining how task and goals are to be accomplished.

Operational aspects of EBL:

EBL is operating through 22 branches located in Dhaka, Chittagong, Khulna, Rajshahi, Sylhet, Moulvibazar, Bogura & jess ore in these branches, along with the principal branch in Dhaka, EBL is offering % types of services. These are:

Retail Banking:

The Retail banking division comprises the domestic branch network with the specialized customer credit, real estate finance. Retail banking deals with the banking services to the individuals. Eastern Bank Retail banking strategy is aimed at keeping, as closely in tune with their customers’ needs as possible and further improving the quality of advisory services. As a result, EBL offers different product ranges to different target groups. It includes the following:

  1. Deposit services: individuals may open Current, Savings, Std, Fixed deposit accounts.
  2. Wage earners services: EBL offer a few innovative schemes to Bangladeshi wage earners working overseas.

Institutional Banking:

Eastern bank offers different services to foreign mission, NGOs, and voluntary organization, consultants, airlines, shipping lines, colleges, universities, donor agencies and consultants. Product peoples first jobs state florida to different target groups. The service includes the following:

  1. Deposit service.
  2. Current accounts in both taka & major foreign currencies.
  3. Convertible taka account.
  4. Local and foreign currency remittances.
  5. Various types of financing to cater the banking requirements of multinational clients.

Corporate Banking:

A professional account management team caters to the needs to corporate client and provides a comprehensive range of financial service to national and multinational companies. It services including following:

  1. Corporate deposit accounts.
  2. Projects finance investments, constancy and other finances.
  3. Syndicate loans.
  4. Local and international treasury product.
  5. Bonds and guarantees.
  6. Skills and responsive attention to varying lending needs.

Commercial Banking:

Being a commercial bank EBL provides comprehensive banking services to all types commercial concerns. Some of the services are:

  1. Trade finance.
  2. Issuing of import L/Cs.
  3. Advising and confirming export L/Cs.
  4. Bonds and guarantees.
  5. Investments advice
  6. Project finance opportunity for import substitution and export oriented project.

Corresponding Banking:

Service to corresponding banks includes following:

  1. Current accounts service where seen is necessary.
  2. Issue bonds and guarantees in support of their customer business
  3. Advice letter of credit and negotiation of documents.
  4. Market intelligence and status report.

Products & Services offered by EBL:

Eastern Bank Limited has verity of products offered for the retail customers as well as for corporate client are given below:

Product bank of america student account retail client:

The existing products that are offered by EBL are:

  1. High performance account (HPA),
  2. Monthly income plan,
  3. Monthly deposit plan,
  4. Fast cash,
  5. Fast loan,
  6. Fixed deposit,
  7. Auto loan,
  8. Consumer loan,
  9. Loans for professional,
  10. Festi-loan,
  11. Executive’s loan.

Service for retail clients:

Services for retail clients are:

1. Sale of Bangladesh sanchaya patra, pratirakkya patra, ICB certificate etc.

2. Encashment of different sanchaya patra, ICB certificate etc.

3. EBL Q-cash ATM card.

4. Equity services bill collection.

5. Tuition fees.

6. Student file.

Product for Corporate Clients:

  1. Payment against document (PAD).
  2. Loan against trust receipt (LTR).
  3. Acceptance against ULC.
  4. Local bill purchase documentary (LBPD).
  5. Foreign bill purchase documentary (FBPD).
  6. Sight letter of credit (SLC).
  7. Letter of guarantee (LG).
  8. Secured overdraft (SOD).
  9. Demand loan.
  10. Time loan.
  11. Term loan.

Competitive situation:

Now in the competitive market it’s very difficult to survive without taking advantages from other banks. In the competitive situation the organization have to one step ahead from the relative competitors. Now in the banking sector in Bangladesh competition is sell itunes gift card for cash in nigeria position. Everybody wants to the market leader by his or her products and services. Now in the local banking sector is facing competition not only each other but also the foreign banks. So the competition becomes war. In this situation every bank is very conscious about the market and the demand create from the market and try to provide the product and services at the very fast before anyone fulfills the demand. So competition is increasing day by day and it will go on in its way.

Comparison according to total assets, deposits, loans and advances and investment of four private banks with EBL.

BanksTotal AssetsTotal DepositsTotal Loans &    AdvancesInvestment
Prime Bank31,175,253,12025,965,451,36521,256,148,1208,650,125,950
Bank Asia17,810,533,52913,470,981,84911,681,169,1963,240,516,524
Mercantile Bank24,705,000,00022,385,200,00017,669,300,0005,560,570,000
Eastern Bank19,176,000,00013,661,000,00011,861,196,1965,331,354,100
One Bank13,419,000,00010,915,000,0009,613,000,0001,229,000,000

 Sources: Annual Reports

Loans and Advances of EBL:

EBL revised structure and strategies to meet the challenges of rapidly evolving technology based banking services, growing competition in the financial service industry, changes in customer’s need. These changes are designed to promote growth, enhance customer services, enrich asset quality, arrange low cost funds and maximize banks earnings.

EBL made concrete plans to restructure the entire gamut of Eastern Bank Ltd’s banking standards and its transaction viz corporate, consumer, treasury, trade services etc. This enables the bank to operate with greater efficiency in all respects thus resulting the better revenue generation compared to past years.

In 2002 EBL made significant progress in upgrading our asset portfolio by booking high quality accounts (blue chip local corporate and multinational). The effort was ongoing EBL also introducing new monitoring standards, credit approval guidance and initiated the process to establish a separate credit administration unit to ensure greater control. This brought better management of asset relationships.

The loans and advance of the bank stood at tk 11,861 million indicating an increase of 3.65% as against tk 11,288 million of preceding year.

The Credit facilities of Eastern Bank Limited:

Eastern Bank Limited offered its customer both consumer credit and corporate credit according to their demand. EBL equally emphasize on both categories. At the beginning EBL emphasize on corporate credit. But recently, EBL can understand the importance of consumer credit in the banking industry. Now they have very strong department for the consumer.

The credit facilities that offered by EBL are:

  • Cash credit (hypo)
  • Cash credit scheme
  • Lease financing
  • Hire purchase
  • Staff loan
  • Fast loan
  • Auto car loan
  • Loans for professional
  • Flexi loan
  • Executive loan
  • Loan against trust receipt (LTR)
  • Sight of letter of credit
  • Demand loan
  • Time loan
  • Term loan etc.

Growth of Loans and Advances of EBL:

Year                                Amount (Tk in million)
2000                                                             8,141
2001                                                             9,946
2002                                                           10,891
2003                                                           11,288
2004                                                           11,861

Source: Annual report

Sector-wise loans &advances

Source: Annual report

 Maturity grouping of loans and advances of EBL:

On demand                                      2004 (Taka)
Less than three months                                   2,153,884,084
More than three months but less than one year                                   1,769,655,079
More than one year but less than five years                                   5,517,480,281
More than five years                                   2,036,092,399
Total                                      384,084,253

 Maturity-type wise loans & advances

Source: Annual Report

Bank credit:

The principle reason banks is chartered is to make loans to their customers, banks are expected to support their local communities with an adequate supply of credit for all legitimate business and customer financial needs and to price that credit reasonably in line with competitively determine interest rates. Indeed, making loan is the principle economic function of the banks-to fund consumption and investment spending by businesses, individuals and units of government. How well a bank performs its lending function has a great deal to do with the economic  health of its region, because bank loan support the growth of new business and jobs within the bank’s trade territory and promote economic vitality. Moreover, bank loans often seem to convey positive information to the marketplace about a borrower’s credit quality, enabling a borrower to obtain more and perhaps somewhat cheaper funds from the sources.

Types of loan made by banks:

Bank loans may be divided into seven broad categories of loans, delineated by their purposes:

  1. Real Estate loan: REL, which are secured by real property-land, buildings and other structures and which includes short term loans for construction and land development and longer term loans to finance the purpose of farmland, homes, apartments, commercial structure and foreign properties.
  2. Financial institution loans: FIL includes credit to bank, insurance companies, finance companies and other financial institution.
  3. Agricultural loans:AL extended to farm and ranch operation to assist in eastern bank credit card apply and harvesting crops and to support the feeding and care of livestock.
  4. Commercial and industrial loans: C & IL granted to business to cover such expenses as purchasing inventories, paying taxes and meeting payrolls.
  5. Loans to individuals: Loans to individuals, including credit to finance the purchase of automobiles, mobile homes, appliances and other retail to repair and modernize homes, cover the cost the medical care and other personal expenses, either extended directly to individuals or indirectly through retail dealers.
  6. Miscellaneous loans: ML, which includes all those loans not classified here, including securities’ houses for sale in myrtle beach north carolina financing receivables, bank of america jobs stockton ca the bankbuys equipment of vehicles and lease them to its customers.

Factors determining the growth and mix of bank loans:

Characteristics of the market area: One of the key factors in shaping an individual bank’s loan portfolio is the profile of characteristics of the market area it serves. Each bank must respond to the particular demands for credit rising from customer in its own market. A bank serving a suburban community with large number of single family home and small retail stores will normally have mainly residential real estate loans, automobile loans, and credit for the purchase of home appliances and for meeting household expenses. In contrast, a bank situated in a central city surrounded by office buildings, department stores and manufacturing establishments will typically devote the bulk of its loan portfolio to business loan designed to stock shelves with inventory, purchase equipment and meet payrolls. Of course, banks are not totally depending on the local areas they serve for all the loans they acquire. They can purchase whole loans or prices of loans from other banks, shares in loans with other banks (known as participants) or even use credit derivatives to offset the economic volatility inherent in loans for their trade territory. These steps can help to reduce the risk of loss if the local areas served by the bank incur severe economic problems.

Bank size: Bank size is also a key factor shaping the composition of the bank’s capital, which determines its legal lending limit to single borrowing customer. Larger banks typically are wholesale lenders, devoting the bulk of their credit portfolio to large domination loans to corporations and other business firms. Smaller loans, on the other hand, tend to emphasize retail credit; in the form of smaller-denomination personal cash and investment loans and homes mortgage loans extended to individuals and families, as well as smaller business loans to firms and ranches. The smaller banks are more heavily committed to real estate and a agricultural loans compared to the largest banking firms, which are more heavily committed to commercial loans.

Experience and expertise of management: The experience and expertise of management in making different types of loans also shape a bank’s loan portfolio mix, as does the bank’s official loan policy, which prohibits its loan officers from making certain kinds of loans.

Expected yield: Loan mix at any particular bank depends heavily as well as upon the expected yield to the bank that each loan offers compared t6o the yields on all other asset s the bank could acquire. Other factors held equal, a bank would generally prefer to make loans bearing the highest expected returns after all expenses and the risk of loan losses are taken into account. One way banker can assess this yield versus cost factor is to set up a cost accounting system that considers all expected revenues along with the direct and indirect cost of making each type of loan. As a general rule, a bank should make those type of loans for which it is the most efficient producer.

Establishing a written policy of bank loan:

One of the most important ways a bank makes sure its loans meet regulatory standards and are profitable is to establish bank of america nevada debit card written loan policy. Such a policy gives loan officers and the bank’s management specific guidelines in making eastern bank credit card apply loan decisions and in shaping the bank’s overall loan portfolio. The actual makeup of a bank’s portfolio should reflect what its loan policy says. Otherwise the loan policy is not functioning effectively and should be either revised or more strongly enforced by senior management.

 The most important elements of a good “bank loan policy” include:

  1. A global statement for the bank’s loan portfolio (i.e. statement of the characteristics of a good loan portfolio for the bank in terms of types, maturities, sizes and quality of loans).
  2. Specification of the lending authority given to each loan officer and loan committee (measuring the maximum amount and types of loan that each person and committee can approve and what signature are required).
  3. Lines of responsibility in making assignments and reporting information within the loan department.
  4. Operating procedures for soliciting, reviewing, evaluating and making decisions on customer loan applications.
  5. The required documentation that is to accompany each loan application and what must be kept in the bank’s credit files (required financial statements, security agreements etc).
  6. Guidelines for talking, evaluating and perfecting loan collateral.
  7. Lines of authority within the bank, detailing who is the responsible for maintaining and reviewing the bank’s credit files.
  8. A presentation of policies and procedures for setting loan interest rates and fees and the terms for repayment of loans.
  9. A statement of quality standards applicable to all loans.
  10. A statement of the preferred upper limits for total loans outstanding (i.e. the maximum ratio of total loans total assets allowed).
  11. 29A decision of the preferred procedures for detecting, analyzing and working out problem loan situations.

 The advantages of written loan policy are that, it communicates to employees working in the loan department, what procedures they must follow and what their responsibilities are. It helps the bank move toward a loan portfolio that can successfully blend multiple objectives, such as promoting the bank’s portfolio, controlling its risk exposure and satisfying regulatory requirements. While any written loan policy must be flexible due to continuing changes in economic conditions and regulations, violations of a bank’s loan policy should be infrequent events.

Credit analysis: What makes a good loan?

The division of the bank responsible for analyzing and making recommendations on the fate of most loan applications is the credit department. Experience has shown that this department must satisfactorily answer three major questions regarding each loan application:

  1. Is the borrower credit worthy? How do you know?
  2. Can the agreement be properly structured and documented so that the bank and its depositors are adequately protected and the customer has a high probability of being able to service the loan without excessive strain?
  3. Can the bank perfect its claim against the assets or earnings of the customer so that, in the event of default, bank funds can be recovered rapidly at low cost and with low risk?

Risk factors of Loans & Advances:

Before loan settlement the bank must carefully remember the risk factors. The following situation and circumstances may tell upon the company’s performance. The bank can consider the factors before settle of loan.

a)      Unforeseen situations and circumstances leading to bad investment.

b)      Sudden change in social economic environment.

c)      Continued political unrests leading to disruption in banking business.

d)     Banking sector particularly nationalized commercial bank have 40% bad loan but in private sector bank this rate comparatively lower at present. In this event if investment turns bad this percentage go up therefore bear risk.

e)      The bank should not encourage any hi-tech project or in any such project which involves technological risk.

f)       In the event of introduction of any new laws or regulations by any regulatory body of the country may leads to risk.

g)      Potential changes in global or national policy may impose risk.

Bank’s sources of credit information:

  1. 1.     Personal interview
  2. 2.     Financial statement
  3. 3.     Bank’s own record
  4. 4.     Market report
  5. 5.     Credit information bureau
  6. Other sources

Factors influencing the commercial bank’s credit policy:

  1. Capital position of the bank
  2. Earning requirements
  3. Stability of deposits
  4. Experience and efficiency of the bank personnel
  5. Credit needs of the area served.

Features of good securities:

  1. Acceptability
  2. Ability
  3. Marketability
  4. Liability free
  5. Transferability
  6. Stability of price
  7. Liquidity
  8. Quality of the assets.

A few usual securities against banker’s advances:

  1. Immoveable properties
  2. Personal securities
  3. Goods and products as securities
  4. Marketable securities
  5. Documents:
    1.                     i.            The main deed or the certificate copy with receipt of the land/property.
    2.                   ii.            C.S, S.A, R.S khatiyan.
    3.                 iii.            Non-encumbrances certificate.
    4.                 iv.            Approval plan of the building that will establish on the land.
    5.                   v.            Evaluation certificate of the property from the related authority.
    6.                 vi.            Memorandum of deposit or title deeds.
    7.               vii.            Confirmation letter of ownership of the property from “appointed lawyer” of the bank.
    8.             viii.            Valuable goods.
    9.                 ix.            Others.

Limitation on the creation of credit of commercial bank:

  1. Lack of available cash
  2. Lack of deposits
  3. Tendency of protect in cash
  4. Decrease in public savings
  5. Habit of customer
  6. Amount of walmart hours near me tomorrow deposits
  7. Credit control policy of central bank
  8. Condition of the business
  9. Influence of bad debts
  10. Special situations.

Handling loan problem situations:

Inevitably, despite the safeguards most bank build into there lending programs, some loans on a bank’s eastern bank credit card apply will become problem loans. Usually this means the borrower has missed one or more promised payments or the collateral pledge behind a loan has declined significantly in value. Which each problem loan situation is somewhat different, several features common to most such situation should warn a banker that troubles have set in:

  1. Unusual or unexplained delays in receiving promised financial reports and payments or in communicating with bank personnel.
  2. For business loans, any sudden change in methods used by the borrowing firm to account for depreciation, make pension plan contributions, values inventories, account for taxes or recognized income.
  3. For business loans, restructuring outstanding debt or eliminating dividends, or experiencing a change in the customer’s credit rating.
  4. Adverse changes in the price of a borrowing customer’s stock.
  5. Net earnings losses in one or more years, especially as measured by returns on the borrower’s assets (ROA), or equity capital (ROE), or earnings before interest and taxes (EBIT).
  6. Averse changes in the borrower’s capital structure (equity/debt ratio), liquidity (current ratio) or activity levels (e.g., the ratio of sales to inventory).
  7. Deviations of actual sales or cash flow from those projected when the loan was requested.
  8. Sudden, unexpected, and unexplained changes in deposit balances maintained by the customer.

The processes of recovering the bank’s fund from a problem loansituation:

  1. Bankers must always keep the goal of loan workouts firmly in mind: to maximize the bank’s chances for the full recover of its funds.
  2. The rapid detection and reporting of any problems with a loan are essential; delay often worsens a problem loan situation.
  3. The loan workout responsibility should be separate from the lending function to avoid possible conflicts of interest for the loan officer.
  4. Estimate what resources are available to collect the trouble loan, including the estimated liquidation values of assets and deposits.
  5. Loan workout personnel should conduct a tax and litigation search to see the borrower has other unpaid obligations.
  6. Foe business borrowers, bank loan personnel must evaluate the quality, competence and integrity of current management and visit the site to assess the borrower’s property and operations.
  7. Bank workout professionals must consider all reasonable alternatives for cleaning up the trouble loan, including making a new, temporary agreement if loan problem appear to be short term in nature or finding a way to help the customer strengthen cash flow (such as reducing expenses or entering new markets) or to infuse new capital into the business. Other possibilities include finding additional collateral, securing endorsement or guarantees, recognizing, merging or liquidating the firm or filing a bankruptcy petition.

Findings of EBL

However the satisfaction level of EBL is good enough. But some customers have expressed their dissatisfaction about the EBL in various aspects. It has a profound effect on the overall satisfaction level of EBL.

  1. Customer’s dissatisfaction with the incremental hidden charges and service charges while dealing with ‘EBL’.
  2. Customer’s loose temper because of taking long time for serving their purpose. Sometime it happens because of the insincerity of the ‘EBL’ officers.
  3. EBL officers sometime can’t provide services within the given time to the customers because of the dependency on other department. Personnel of related department do not realize the emergency.
  4. Communication gap with the clients while dealing with EBL.
  5. Officers very occasionally show lack of enthusiasm in dealing with the customer.
  6. Facing a huge competition in case of introducing new product in the market.
  7. The employees are not professionally trained and skilled enough.
  8. The great problem of EBL is the absence of credit card.
  9. EBL does not provide evening banking.
  10. Lack of promotional activity is another problem that is responsible for the decline of the customer’s satisfaction of EBL.
  11. Service charges of EBL are comparatively higher than other bank.

Therefore, from the above findings it has been identified that the Eastern Bank Limited has some problems. The task of this research is to identify the problems that are responsible for the decline of the credit level of EBL. The problem can be solved easily through proper steps and management needs to rethink and change the strategy.

Recommendation

I have to make some recommendation based in the findings that I have got from research. The recommendation will help the bank to take necessary steps in order to increase efficiency of EBL. The following are some recommendation for the company.

  1. EBL should withdraw the incremental hidden charges while dealing with customer.
  2. EBL officers should not take so many times for their services. They should be very sincere about their services.
  3. The inter-departmental responsiveness should be very fast and one department should realize the emergency of other department.
  4. EBL should communicate with the clients regularly either by phone or postal services.
  5. The officers should show the enthusiasm in dealing with the customer regularly because customer is the heart of a bank.
  6. EBL should introduce new produce new produces and services before any one introduce it in the market.
  7. The EBL management should appoint the trained and skilled employee or arrange a training program for the unskilled employee.
  8. EBL launched the credit card because it the modern age’s demand and the bank should consider time and its demand.
  9. EBL should open the evening banking because some banks already stared this banking facility and taking advantages.
  10. EBL should emphasize on promotional activities because in the modern world promotion is one strong media to touch the people and to reach the people.
  11. EBL should decline the charges on different services because now rivalry is extreme in the banking sector and every bank declining the charges as much as possible to take the advantages.

 Conclusion

The banking sector plays an important role in modern society and private banks have made more competitive, diversified and dynamic compare to traditional banking system. Everyday new competitors appear into the industry with better innovative ideas, products and services. In banking sector Eastern Bank Limited is a name of trust, now it is an icon of best services.

Working as an intern in the EBL, I got practical experiences of the demands of the customers and also the bank’s effort to meet them. In understanding a project, I found and evaluate the factors that are responsible for the decline of the credit level of customers of EBL. The success of a financial organization is largely dependent on the service quality promotional activity, personnel effort and distribution. From my research, it has been found that there are some problems in EBL and based on these problems I suggest some recommendations for EBL.

The reliability of the customers on EBL is increased promptly day by day. In EBL all the staffs are performing sands serving the customers untiringly. EBL keeps itself busy to serve the society, to imp rove the lifestyle of the people, to develop the business environment. EbL has been performing since 1992 but before that, it was known as BCCI and still performing well. Day by day its idea of serving is increased all over the country through setting up new branches at new places.

Eastern Bank Limited

Источник: https://www.assignmentpoint.com/business/management/credit-management-policy-eastern-bank-limited.html

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(Vendor Specific, typically interchangeable with POS/WDR) RET (Return Transactions) POS/RFD A refund made at a point of sale terminal. If using your physical debit card number online scares you, try a virtual debit card instead. Paymentech can authorize payment transactions in more than 130 currencies. 643 posts. How to fix it Before you swipe your card, always be sure that they accept the card that you are using, including American Express, VISA, and MasterCard. Once validated, the POS uses data on the chip to verify online that your bank account has enough money to complete the purchase, and if so, updates the account with the purchase information. When accepting credit and debit cards, it’s important to take steps to protect your business from fraud and fraudulent chargebacks. supermarkets (on up to $25,000 per calendar year, then 1 routing number for middlesex savings bank per dollar spent), 3x points on flights booked directly with airlines or through the Amex Travel portal, and 1 point per dollar spent on Dec 18, 2020 · Chase is part of JPMorgan Chase & Co. Once the transaction fully goes through, the name will be updated to reflect the actual charge. A common AID allows merchants and acquirers to route a transaction to any payment network available on the card. Automated Teller Machine, Debit Card, and Point-of-Sale (POS) Transactions. Citibank currently does not. It’s easy to set-up and comes packed An MT103 is a standardised SWIFT payment message used specifically for cross border/international wire transfers, including all the payment details such as payment date, amount, currency, sender and recipient details. Jul 16, 2021 · To make sure your QuickBooks Point of Sale system runs smoothly, here’s a list of hardware we support and compatible devices. The ACTIVE Network is a software provider that processes As a PayPal service, our innovative payments technology, scalable solutions, and legendary white-glove support are backed by one of the world’s largest and most trusted fintech brands. Jan 26, 2017 · The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. Consumers across the country are complaining about unauthorized debits (withdrawals) from their checking accounts.which operates in over 100 countries around the globe. 100% Free Credit Card Processing. Since the original debit was very large, doubling it made my account go into the red. Using a Chase debit card in Europe costs you $5 for each ATM cash withdrawal plus 1% of the amount withdrawn. Seattle, WA 98109 USA. com Online POS Terminal is a browser-based payment processing application that lets you use your desktop or laptop computer as if it were a point-of-sale terminal. Look for the Cardless symbol on the ATM, and tap it with your phone. If we declined a recent debit card purchase and you had money available for the transaction, please contact us at 1-800-242-7338 for assistance. com. If you have deposits with JP Morgan Europe Limited, these will be included in the £85,000 total. Contact your payment provider (for example, bank or card-issuer) for Jul 29, 2021 · Point-of-sale (POS) financing services in the United States have grown significantly over the past 24 months, especially since the onset of COVID-19. Online debit, or ATM-debit, transactions requiring a PIN number are routed directly to the customer's bank, which locks in the funds in real time. Santander atm machines near me 17, 2020 · An increase in your daily debit card point-of-sale purchase limit should allow you to make larger purchases with your debit card. The postcodes are alphanumeric, and are variable in length: ranging from six to eight characters long.London Commerzbank Ag, Frankfurt Deutsche What to do for a dog ear infection home remedy, London Fortis Bank, London HSBC Bank Plc, South Africa JP Morgan Chase Bank New York JP Morgan Chase Bank London Zenith Bank (UK) Limited, Oct 28, 2008 · Also, with the PayPass-enabled Blink(SM) feature, the Chase Chicago Bears Debit MasterCard redefines the payment experience for cardmembers by providing a fast and convenient alternative to cash ACT Charge on Bank Statement. ATM Acquirers. Hull. This section explains how to use your Eastern Bank ATM or Eastern Bank Debit Card and sets forth your rights and responsibil Oct 10, 2019 · If you want to accept debit cards online, for example, you may want to look into a virtual terminal. It is best to check if you have any automatic payments set for that specific amount, because in most Find 12 listings related to Chase Pos Debit in Acme on YP. The ACTIVE Network is a software provider that processes Automatic Debit Scams. The New York-based issuer is dropping the Blink contactless-payment brand from new and renewed cards and instead is using the How much does Square POS cost? Our Point of Sale app is free and can support all kinds of businesses at any stage or size. Cross-border fees are fixed, non-negotiable fees set by card networks. Sefton. Chase is covered by the Financial Services Compensation Scheme (FSCS), which means up to £85,000 of your money would be eligible for compensation should the bank go bust. When establishing merchant status, which is the ability to accept Visa, MasterCard and American Express, Dave filled out the parent company's name, Smith Enterprises, in the merchant status application because the bar and grill is only a DBA ("doing business as"). Find an ATM or branch near you, please enter ZIP code, or address, city and state. 30 card not present). 95 per terminal. Mastercard’s international fees include both credit and debit cards issued outside of the states as well. Enterprise Cloud Point-of-Sale Solutions. Orbital® Virtual Terminal helps you to manage online, telephone, or mail order payments. pos debit of london chase

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Kasasa Cash®

Finally, a checking account that’s all about you. Earn cash rewards EVERY MONTH with free Kasasa Cash® Checking

2.50% APY*

on balances up to $20,000 when qualifications are met.

0.05% APY*

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Here’s how to earn your Kasasa Cash® rewards…

  • At least 12 debit card purchases
  • One or more Direct Deposit or Automatic Debit (ACH) transactions
  • Be enrolled in and agree to receive e-Statements

Community Commitment

At Eastern Connecticut Savings Bank we take the community bank designation very seriously. We make it our mission to give back to the communities we serve. Every year we support local charities and organizations through volunteering efforts and charitable giving through the ECSB Foundation.

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Testimonials

Hank’s Dairy Bar

Over the years we forgot what a bank should be. We were more than numbers on the checking account or eastern bank credit card apply report. We were hard working self-employed individuals and our money and time were important eastern bank credit card apply us. Our old bank was just that, our old bank. When we walked into Eastern CT Savings Bank we were greeted with a smile and an acknowledging hello and it wasn’t long before it turned into a cheery “Good Morning Scott” as I approached the counter. Read more

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Collins & Jewell Company

We began banking with Eastern due to their “out of the box” way of thinking as it pertained to the financing of our new building. Other banks wanted us to inject more equity prior to financing to fill the “gap” of actual construction costs versus appraised value. Eastern was well connected with other agencies that eastern bank credit card apply us fill that gap and made the completion of our building a reality. Read more

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Covid-19 Update

Our lobbies are open and we’re excited to welcome you back!  Please CLICK HERE for more information on branch hours and updates on our response to COVID-19. Read more

Learn about our Covid Response

Information for Debit Card Holders

Due to concerns relating to security and identity fraud, Eastern CT Savings Bank prohibits ATM or debit card transactions in certain locations. Blocked Debit Card Transactions in Foreign Countries/Areas: Due to fraudulent debit card activity, the following countries are blocked for all debit card transactions: Australia, Angola, Algeria, Benin, Brazil, Chile, China, Cameroon, Egypt, Ivory… Read more

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Foundation

In 1999, the Board of Directors established a charitable 501(c)(3) foundation as an extension of Eastern CT Savings Bank’s commitment to our communities.  Our Foundation provides financial support to nonprofit organizations and community programs that impact the quality of life for residents of eastern Connecticut (New London and Windham Counties). Eligibility: Non-profit organizations exempt from federal… Read more

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Источник: https://www.bankeasternct.com/

Mastercard customer service hours

mastercard customer service hours Customer Service for Business Banking>. Contact a customer service representative by calling 1 (800) 347-2683. P. CT. Phone, social media, Morse code (okay, maybe not Morse code). Bank National Association pursuant to a license from Visa U. Visit the company website creditcards. Customers can access account information, check their application status, report a card lost or stolen, or connect to a live customer service representative any time – 24 hours a day, 7 days a week. Send us a Secure Email. Call us. Consumer lending and credit card support: 844-4TRUIST (844-487-8478) If your mortgage originated with SunTrust, contact (800) 634-7928. Mar 02, 2021 · Customer Service: (888) 288-1843. 800. *For best experience use a desktop. Buy Online, Pick Up In Store. Is it OK if we also use cookies to show you personalized ads? Mar 30, 2021 · Pros: Credit increase after 7 payments, Customer service, Excellent customer service, Ending account, Was easy to get a credit card from them Cons: Unwilling to work with customers, Customer service attutudes, Customer service attitudes, Penalty for making payment before the due date, I am dissapointed and highly suspicious 800. For questions regarding order cancellations, returns, and product troubleshooting, please call customer service at (800) 605-3369 (See Customer Care hours below). 1000 or 800. To dispute a debit card transaction: Sign On to PNC Online Banking. - 2:00 p. There Our Customer Services Representatives are available during business hours. m - 8:00 p. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. Stores. to 5 p. Check our FAQ for answers to common questions, or contact us by mail or phone at the following: Phone: 866-453-2636 Feb 24, 2021 · To reach Credit One customer service, call (877) 825-3242. m. We’ll use cookies to improve and customize your experience if you continue to browse. Open Small Business Checking Account Jan200 MENU. Hours of Operation. Credit Card Activation. Call or write an email to resolve Citicards issues: Cards, Payments and Charges, Account. How do I activate my new credit card? You can easily activate your credit card online or by calling 1-800-621-2554. Questions & Answers. CT and Saturday, 9:00 a. Minneapolis, MN 55440. U. Mar 09, 2021 · Contact Capital One customer support at toll-free or fraud protection phone number. Apr 09, 2007 · You may also report a lost or stolen debit or credit card or replace a card 24 hours a day, 7 days a week. Inc. Contact us at 1-877-804-1082. Yes, Accept Cookies. BMO Mastercard company holds special events from time to time. 800-622-7747: Customer Service. Toll-Free Number: (866) 453-2636. Phone Number:1 (800) 481-3239. To reach a representative, select 0# after account Mar 09, 2021 · Contact Capital One customer support at toll-free or fraud protection phone number. : go to the Mastercard site - This link will open in a new window. For credit cards, mortgage and other banking products from Citi: Customer Service. Nov 17, 2020 · If you have a Discover credit card, you can reach out to customer service by phone or email 24 hours a day, seven days a week. Neither TD Bank US Holding Company, nor its jetblue mastercard account login or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the eastern bank credit card apply, recommendations, products or services how do-i-contact-paypal-cashback-mastercard-customer-service. 866-437-0011. 3131 and ask for the Service Delivery Client Service Call Center. If it is after business hours, please call 1-888-883-9826. Oct 16, 2021 · Call MasterCard customer service faster with GetHuman. combo MENU. Hours: Daily: 6:00 am - 6:00 pm (PT) Mailing Address. For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback. General customer service phone support. There are actually two different ways to get Capital One support 24 hours a day, 7 days a week – online and by calling the number on the back of your card or the relevant credit card support department, based on your needs. OneVanilla 569. Call or write an email to resolve Acima Credit issues: Payments and Charges, Request for Information, Account. Business Customer Service: Customer Service: (877) 596-5407. Jun 24, 2021 · Green Dot Corporation Customer Service Phone Number (866) 795-7597, Email, Address. For the latest cancellation or change policy information, please visit the airline or other travel service provider’s Apr 02, 2021 · Synchrony Bank Customer Service Phone Number (866) 226-5638, Email, Address. Feb 24, 2021 · To reach Credit One customer service, call (877) 825-3242. com or live chat for more information. Mar 30, 2021 · US Bank Customer Service Phone Number (877) 838-4347, Email, Address. (including lost or stolen card) 800. How Can I View My In-Store Purchases Online? View More. Customer Service. Aug 26, 2021 · To transfer service to a new address, call (855) 363-4906. . Box 71160, Honolulu, HI 96807-1160. Loss Mitigation, Bankruptcy Filings, Real-Estate Owned (REO) and Short Sale Inquiries. You can also contact the Mastercard Assistance Center toll-free at 1-800-Mastercard (1-800-627-8372), or collect from outside the U. Customer Service Number. To activate your business card, follow the instructions that came with your card or call 800-720-BANK. Business checking: 800-673-3555. Contact us city of san jose housing department mail. Outside the U. Mortgage Summer Newsletter MENU. Box 391 Lynn, Massachusetts Jul 12, 2021 · Frequently used phone numbers: Consumer checking: 800-872-2657. net or live chat for more information. acimacredit. Lost or Stolen Credit Cards. Minneapolis, MN 55403 BMO Mastercard Customer Contact Centre – 1-800-263-2263 Lost or Stolen Card & Emergency Card Services – 1-800-361-3361 (Canada & U. To reach a representative, select 0# after account Service available 24 hours a day, 7 days a week; Desjardins Bank: 1-800-454-5058; Mastercard Global Service. If you can't find what you're looking for, let us know. In Guam and Saipan: Call our customer service center toll-free at 1-877-553-2424. SunTrust Business Online MENU. 848. For account servicing requests, you may send our customer service team a secure, encrypted message once you have logged in to our website. (800) 786-8787. Payment address. 677. sunday - saturday, 9:00 am to 5:00 pm, eastern time Pay/Manage My Credit Card Meijer Credit Card Meijer Mastercard® 10¢ off every gallon of gas (Meijer gas stations) 1 $10 reward for every $750 spent 2: $10 off first purchase when approved 3: no annual fee 4 Jun 01, 2021 · Contact Avant customer support at toll-free or accounting/ billing phone number. Consumer credit cards: 800-285-8585. Jul 12, 2021 · Frequently used phone numbers: Consumer checking: 800-872-2657. Speedway Attn: Credit Customer Service P. - 7:00 p. Customer Service Manager 100 Phoenix Avenue, Enfield, CT 06082. Get Mastercard consumer support. (800) 443-1032. All Contact Info; Member Services: 1-915-778-9221 1-800-772-GECU. for toll-free numbers. Barclays strives to make it easy for your voice to be heard. S. A. Monday - Friday: 7:00AM-8:00PM. Updated on 06/08/2021. 3950. +1 636 722 7111 from overseas. : 1-800-Mastercard (1-800-627-8372) Outside the U. Phone Number: You can reach BMO Mastercard customer support by calling 1-800-263-2263 number directly. Delta Airlines 1634. Citibank Online MasterCard ® and the MasterCard ® Brand Mark are registered trade marks of MasterCard International Incorporated. Oct 19, 2021 · There are many ways to contact East is east and west is west Customer Service, but the fastest method is to call. 800-622-7747. Description Phone Number; Everyday Banking; Banking Accounts Client Cards Lines of Credit and Loans Mortgages: 1-800-769-2511 Teletypewriter (TTY) Services for those who are deaf or hard of hearing: 1-800-661-1275 You can dispute a debit or credit card transaction electronically via your Online Banking account by going to the Customer Service tab. Write to Us. Cardmembers with travel plans within the next seven (7) days are encouraged to contact the Club Rewards Call Center at 1-800-234-4034 for assistance between the hours of 8 a. Current Available Properties Marathon Petroleum Company LP 539 S. Hours: 8:00 AM to 8:00 PM Mon-Thurs, 8:00 AM to 6:00 PM Friday, 9:00 AM to 3:00 PM Saturday Citizens Bank Home Equity Loans® Customer Service 1-800-340-5626 for questions regarding an application for a new home loan. Customer Service Team: 1-800-EASTERN (327-8376) Eastern Bank's automated Account Information Line gives you access to a host of banking information and features 24 hours a day, 7 days a week. Bank Business Leverage ® Visa Signature ®. Bank of America customer service information is designed to make your banking experience easy and efficient. Home Borrowing. For insurance-related questions, please contact your local BXS Insurance Office. continentalfinance. 800-645-2103 (24 hours a day) From outside the U. Latitude GO MasterCard. Uber Visa Debit Card. 800 276 9939. 1-855-256-2559. 276. Genesis FS Card Services. Phone Hours. Talk to a Capital One associate today–no SOS required. ) (24 hours a day / 7 days a week) Customers can also explore their customer center, which contains answers to frequently asked questions. Jun 28, 2021 · Delta Airlines Customer Service Phone Number (800) 325-8224, Email, Address. Mail. In Hawaii: Bank of Hawaii, ACH Operations 121, P. You can also complete the form below and a member of our client care team will be in touch. Box 1500 Springfield, OH 45501 Credit Card Account. Our customer service begins with the sale and never ends. Get answers to the most popular FAQs and easily contact us through either a secure email address, a mailing address or our customer service phone numbers. 1-800-684-2222 for questions about your credit cards. Credit Card. Saturday 9AM – 5:30PM ET. Compare MasterCard's phone number, and help-desk. Interested in opening an account? 800-FIDELITY (800-343-3548). Access our automated self-service phone system seven days a week, 24 hours a day. Milestone Mastercard Phone Numbers and Emails. Main Street - Room 1604 Aug 26, 2021 · To transfer service to a new address, call (855) 363-4906. capitalone. Capital One Customer Service Phone Number. 757. Get the card support and help information you need from Mastercard. Contacting BMO Mastercard to Verify Business Hours. Hours: 24 hours, 7 days; best time to call: 10:45am. Monday-Friday 8AM – 9PM Eastern bank credit card apply. Box 8801. 321. 1300 462 273 within Australia. Continental Finance Company is proud of our customer feedback. Learn more about banking with us. how do-i-contact-a-paypal-extras-mastercard-customer-service-representative. Apr 16, 2021 · Skylight One Customer Service Phone Number (888) 606-9800, Email, Address. Get real answers from real people. Saturday: 9:00 AM-3:00 PM. For all other business credit card needs, use the following customer service numbers: U. [email protected] Cards. Debit MasterCard. Note: TTY/TDD phones services for the Sep 28, 2021 · Contact Continental Finance customer support at toll-free or accounting/ billing phone number. Credit Card Billing Inquiries. The fastest way to contact MasterCard, the best MasterCard phone number available and their other best contact information, with tools and instructions for skipping the wait and resolving your issue quickly, as well as tips for specific popular customer service issues and reviews, advice and ex If your question isn't listed here, we recommend you contact the financial institution that issued your card. Mortgage Customer Service: 800-365-7772. Affirm 4141. Lost or Stolen Card. com. Customer service. By U. Advantage Checking Combo Offer MENU. Central time (CT). (800) 343-7064. 1-877-383-4802 For faster customer service, please use the links above to contact the appropriate customer service center for your specific needs. Find a branch. 24/7. If your mortgage originated with BB&T, contact (800) 295-5744. Sep 28, 2021 · Contact Citicards customer support at toll-free or business customer service phone number. Find a location. Mastercard is a registered trademark and the circles design Apr 30, 2021 · The Capital One credit card customer service hours are 24/7, so it's possible to get help with a Capital One credit card account any time. If you are a Financial Institution interested in experiencing the benefits of a strong Agent Credit Card Program, please complete the form below. wyndhamhotels. 4701 (international cell phone roaming charges may apply) 24/7. Is it OK if we also use cookies to show you personalized ads? Consumer Credit Card. Open Business Banking Checking Account MENU. 671. If you need assistance, please contact Business Client Services at 855-274-2800 or Personal Client Services at 855-SNB-7500 (855-762-7500). mastercard. Brokerage, Mutual Fund, and IRA Account questions? 800-544-6666. Business credit cards: 866-485-4545. Saturday, 8am-9pm. Call or write an email to resolve Avant issues: Payments and Charges, Product/ Service, Request for Information. Oct 19, 2020 · Slow, incompetent, and unhelpful customer service is a systemic issue that plagues many companies and consequently consumers. mastercard customer service hours

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Contact Us

Home Mortgage

Customer Service

1-800-357-6675
Mon – Fri: 6 am - 10 pm
Sat: 8 am - 2 pm
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Financing

1-877-937-9357
Mon – Fri: 7 am - 8 pm
Saturday: 8 am - 6 pm
Central Time

Apply for a mortgage

Mortgage Military Customer Service

1-866-936-7272
Mon – Fri: 6 am - 8 pm
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1-866-820-9199
Mon – Fri: 7 am - 10 pm
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To open a new account: 1-877-526-6332
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Personal Loans & Lines of Credit

For questions about your existing account:

Personal Loans, CD/Savings Secured Loans, CD/Savings Secured (Portfolio) Lines of Credit and Motorcycle and Specialty Vehicle Loans 

Customer Service: 1-877-269-6056
Mon – Fri: 7 am – 7 pm
Central Time

Other Personal Lines of Credit

Customer Service: 1-800-946-2626
24 hours a day, 7 days a week

Источник: https://www.wellsfargo.com/help/contact-us/

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