Less than 100% repayment will result in 2.5% charge on the outstanding balance. Enter your account number, click submit and the USER ID will be sent to your registered e-mail address. No minimum opening balance. Can non-account holders with BVN receive MoneyGram transfer in UBA? It is that easy! However, customers can opt to repay higher amounts e.g. The debit card is at 50% discount  for first issuance  and the standard charge applies for lost or expired cards. Yes! UBA Kids Savings Account is perfect for children between the ages of 0 – 18 years and helps to promote beneficial savings habit and money management skills. Which variant does customers with a monthly turnover of above 100 Million belong to. Is there a Maker/Checker functionality of the platform? Home » Personal Banking » Accounts » Savings Account » General Savings Account, Take the first step towards managing your money better and get rewarded with high interest on your savings, **I agree that UBA Group and its affiliates may use my contact details to send me communications, Head Office: 57 Marina, Lagos Island, Lagos, Nigeria. Not more than 72hours which includes training on the solution, Internet Banking can be accessed from any internet-enabled devices – computer, laptop, smart phones etc. To retrieve your user ID, then, click forgot password? The form can be returned via email, by sending the completed form to: virtual.enrollment@ubagroup.com. – The Savings account is a basic savings account.– As a Tertiary student or Corp member, the NextGen account will better meet your lifestyle needs.– You stand a chance to win pocket money for a year in our targeted draws– Your first debit card  is issued at only half the regular cost– You get to attend all campus events. UBA general savings account was designed to help you control your finances, plan, meet your finacial goals and enjoy rewards on your savings. To promote credibility of the UBA Bumper Reward Scheme, increase product awareness and drive sales acquisition in specific areas. How is the selection of application done? I want to know more about what Internet Banking has to offer. Customer must have a satisfactory credit report. Africash is online real-time. No, there will be no need to login using token as a corporate user. United Bank for Africa Zambia Ltd. Acacia Park Stand 22768 Corner Great East/Thabo Mbeki Road Lusaka. UBA Bumper Account An account that rewards you with exciting prizes for saving a minimum of N5,000. How do I know where and who the Entrepreneurial development institutes are? – Customer goes online via the web link https://aop.ubagroup.com/SignUpProcess/step2disapora– Inputs all required data filled.– Uploads document.– Clicks on the submit button to open Diaspora account– Downloads the video Banking app– Signs up and logs in– Initiate a call to authenticate document.– A CFC Rep, downloads the contact details of customer, and initiate the call via WhatsApp video call to validates customer details and complete the account opening process. © 2021 United Bank for Africa. There are different types of Bulk upload as seen below, A – Multiple debit, Multiple credit – Maximum of 50 Transaction per upload, B – Single debit, Multiple credit – Maximum of 50 Transaction per upload. What are the available means to download statement? What do I need to qualify for this service? What if a teen wants to change his/her transaction limit without the parent/guardian’s consent? .goog-te-menu-value:hover {text-decoration:none !important;} We plan to roll out in other African countries soon, Application portal opens in September and closes mid- December yearly, No. The cycle runs from the 15th of every month to the 15th of the next month when the credit card statement showing transactions details within the period and amount due for repayment will be sent to the cardholders’ registered email address. Authenticate with Secure pass / Token and click submit. I want a loan, but I don’t have an account with UBA. Product Pricing o Opening balance of KES 5000 o Operating balance of KES 5000 o No other charges on the account Re: UBA Bank Plc - Savings Account!. Be sure to communicate your eagerness to embrace new experiences and learn new skills proactively. The currencies in which Savings Account can be opened with UBA: ALL----- Leke EUR----- Euro USD----- US Dollar Profit. Yes, when you enrol for UBA’s Internet Banking Service, Internet Banking, You Can specify which accounts you want access to over the internet and can have access to all of them using one single user ID. Monthly interest rate of 3% on cash advance (withdrawals made on ATM) and 2.5% on POS/WEB. No, Africash sub-agents are available in Cameroon, Congo, Ghana, Senegal, and Tanzania, For a full list of the error codes, please visit. What else can I do with UBA Mobile Banking? Only eligible entrepreneurs that have been trained and certified will submit their application forms to the EDIs indicating United Bank for Africa as the disbursing bank for onward submission to CBN. Yes, there is a maker checker process. Select account type. The 13th month reward is an amount paid to UBA Teens customers at the end of each year. You can either deposit cash or transfer into the account. How can I get more information on UBA Moni? But Only from a full KYC Teens account. No, please. What are the requirements to consume the APIs? Disclaimer: This website only explains the general purposes of the insurance … Manage your money more easily with our mobile banking app. Please note that these limits are as regulated by CBN. I am not yet a confirmed staff of my firm; can I still get a loan? Find news here, Read our latest articles, surrounding new features and upcoming events for the organization, A Repository of Documents Covering the Internal and External Speeches and Presentations, Photos and Videos from our prominent events, Learn about our origins, foundations and beginnings, The management team of the group is made up of a crop of seasoned and industry-recognized professionals, Nigeria has been the site of numerous kingdoms and tribal states over the millennia, We offer forward-looking statements regarding the Bank’s objectives, Over the years, we have been honoured with distinguished awards and prizes, UBA PLC has engaged in some key strategic alliances, We aim to help you through the banking process and also help with your needs, Our digital solutions offer various benefits that ensure you stay in control wherever you are, Some tips that you can follow to protect your banking activities. What are the means of ID acceptable to open a UBA NextGen account? Email: This fee is country dependent. The same secure pass can be used for both UBA Direct Banking and Mobile Banking. Customer must maintain an active salary account with UBA. The US dollar is the base currency. Please call customer fulfimnet center on 07002255822 or send an email to cfc@ubagroup.com, This may be due to an error or network issues. On Internet Banking Home Page, https://ibank.ubagroup.com , please click on forgot your USER ID. – Yes, you can get a debit card on your UBA NextGen account at a discount of 50% for your first card. Please confirm what limit is applicable to you from the table above. You can do a scheme code change for an active account. What is the next step after selection of ambassadors? Yes, beneficiary details can be changed as long as the transfer has not been processed simply visit the branch the transaction was initiated to complete and submit a modification form. Merchant Services at UBA include POS, Instant Bills Pay, Shoppers Mall & U-Collect, UBA Corporate Debit Card provides you with better ways to settle your day-to-day corporate expenses, Our business strategy is built on being the bank of choice for businesses across Africa. For normal savings account, you earn an interest rate of 4.2% per annum (subject to CBN-advised MPR) if you withdraw more than once a month or daily account balance is less than N100,000. Introduction. At UBA, we are committed to the development of the real sectors of the economy. (scaling & polishing once a year, fillings & simple extraction only after 6 months. .goog-te-menu-value:hover {text-decoration:none !important;} ^^^ An individual savings account holder who desires to deposit more than N150,000 per day (when the scheme takes off) would either pay the sum of N100 per N1,000 or open a current account wherein he can pay in up to N1m before a charge of N200 per N1,000 applies. A new password would be sent to you via phone and Email. ID Card Type. The UBA Compliance Advisors help you to stay up to date on regulatory changes to help simplify your job and mitigate compliance risk. UBA reviews application from the online form and shortlists students that possess and demonstrated the requisite skills for the role. The sender bears the cost and the charges are affordable. Personal loan is an uncollaterised loan accessible to staff of approved companies, whose salary accounts are domiciled with UBA. Default CAMF (if turnover falls below Minimum Turnover), – Valid means of identification in line with regulatory provisions in each country, Valid Resident Permit – for Foreign Nationals. What are the requirements for opening a UBA Zero Account? How much do we pay for the U-Pay Solution? Access to the bank’s SME events and fairs. I am interested in UBA’s Internet Banking Service, but I am not in a country with UBA Presence, how do I enroll? Bank whenever you want, pay bills and send money quickly, easily and securely, 24 hours a day on any of our digital channels. You will be based within your local campus, The new session of the programme starts in January yearly, We currently recruit 10 ambassadors on a yearly basis, additional roles will be reviewed in the upcoming months, Yes, you can apply again in any subsequent year. Central Bank of Nigeria Entrepreneurship Development Institutions are public and private institutions approved by the Central Bank of Nigeria to carry out vocational and entrepreneurship training for Entrepreneurs and SMEs, All Micro, Small and Medium Enterprises in the Agriculture sector, Education, Manufacturing, Service sector, including Information and Communication (ICT) and the Creative Industry. The campus ambassador permeates UBA into the lifestyle of youths on campus and constantly seek to identify new and innovative ways to maximise UBAs reach across universities in Africa and across other regions we have a presence. In Nigeria the cost is N100 per transaction as regulated by the Central Bank of Nigeria, with additional applied VAT and/or Switching fees. A valid ID (International passport/Driver’s license/National ID/Voter’s card). Spend anywhere in the world with our UBA cards on ATM, POS & Online. Can a transaction be modified, cancelled and refunded? You will also receive SMS notification from the bank as proof of your transactions. If yes, what is the limit? Simply dial *245# and follow the easy steps. who open UBA Bumper accounts within a specific period. No Processing and paperwork! The objective of the account is to give them a sense of inclusion in planning their finances, carrying out transactions and learning to save. Is my internet banking for corporate available for download on my mobile phone? Can a traveler buy all three currencies at the same time? Welcome Trusted by millions of customers, we never stop looking for new ways to make banking simpler, smarter and better Enjoy great benefits with unrestricted and secure access to your account, anytime, anywhere on your computer, tablet, smartphones or any mobile device. This will be paid directly to the school. Who is eligible for the UBA Naira Credit Card? **I agree that UBA Group and its affiliates may use my contact details to send me communications, Head Office: 57 Marina, Lagos Island, Lagos, Nigeria. across the world. The Employee Benefit Center is a Product of ©BenLab, LLC. What are the criteria to access the loan? Pursuant to the 2nd amendment of the German Drinking Water Ordinance (TrinkwV), since December 2012 the German Environment Agency (Umweltbundesamt – UBA) has been tasked with stipulating mandatory evaluation criteria for materials and substances that come into contact with drinking water.The guidelines and recommendations issued heretofore by the UBA were less legally … Yes you can. Yes, Authorizers can use the Internet Banking App to authorize payments. Student  / Corp Member ID, Admission / Posting letter) ,  one of the following: Voter’s card / national ID / national driver’s license / international passport and one of the following: utility bill, school fees receipt, hostel allocation document. – To be eligible to obtain a loan facility, the following criteria are to be met:– You must be a confirmed staff– Your employer must be on the approved list of organizations for Personal Loans– Net monthly salary should not be less than N12,000 (Twelve Thousand Naira). What is uba internet banking transfer limit? We accept applications across all disciplines. What do I stand to get for having a UBA Bumper Account? Disclaimer: This website only explains the general purposes of the insurance described, but in no way changes or affects the policy as actually issued. Link, enter your Internet Banking USER ID on next screen and submit, then provide an answer to any security question set by you and a new password is automatically generated and sent to your registered e-mail address. Social Exchange Market Grant for Nigeria; Real or scam? Foreign exchange can be purchased by holders of Nigerian passports who are 18 years and above. Our Internet Banking is very secure, we have gone to great extent to protect you and your funds when using Internet Banking, you have two level authentication (password + token) available each time you transact on Internet Banking, we have also introduced an Image and Phrase Security feature to guard against phished site. NO, you will not qualify for the 13th month bonus if you do not have a target savings plan. inside uba membership member guide: lab discounts page 8 health savings account page 10 retail rx discount card page 7 travel assistance plan page 12-14 24 hour nurse helpline page 10 telemedicine … Access to a free online marketplace (as applicable), Simply walk into any UBA branch or visit our website at, Any employee of approved corporates whose salary account is domiciled with UBA. How much do I need to open a UBA NextGen Account? Statements download is available in PDF, Excel, MT940 format. Get a savings account in seconds. – Enjoy amazing discounts at partner Restaurants & Hotels, Lounge access, etc. A total number of 40 winners will be selected from two draws in a year. The insurance benefit covers the applicant in the event of any of the following: – Loss of Job– Death and– Permanent disability, – Staff of private companies on UBA Counterparty list– Staff of state government on UBA Counterparty list– Staff of local government on UBA counterparty list. Can I change my beneficiary details on a transfer? No, simply click to dial *919*20#  or open a zero account via our website. Yes, you will earn competitive interest on the accumulated funds in your account even if you do not achieve your target plan –however you will no longer be eligible for the 13th month bonus. Yes. However, accounts with CAV pending can be considered for the draw. Daily limit is $10,000 per day. 10am – 4pm. Can I have both my account and prepaid card registered on the same profile? ... * As outlined in the Plan Cost column of the table above, the plan cost for UBA Plans do not include the $10 monthly UBA … The first time you access Universal Benefit Account you will need to sign up. The reason for this is simple: The Central Bank of Nigeria (CBN), being the regulator of the banking industry, directed banks to pay a minimum of 30 per cent of the Monetary Policy Rate (MPR) as interest on savings accounts… However, your plan will remain in effect and you can be eligible the following year if you stick to your plan. In an instance of asset acquisition; the asset acquired becomes the collateral and must be registered with National Collateral Registry(NCR).For Working Capital Loan of N500,000 and below; the collateral is Personal Guarantee of the borrower.If the working capital is above N500k, the obligor will submit a receipt of assets previously purchased, to cover the balance of the exposure. Transactions can only be paid in Naira. How Do I Reset my Password / I forgot my password? – Withdraw cash from ATMs or make payments on terminals locally or internationally. No, UBA FX Mart will sell to both a ccount holders and walk – in customers. Features. Various financing products suitable for the different needs of corporate businesses. Your account number will be sent to your mobile line. Invoke an API exceeding the hard throttle limit. How can I access Internet Banking? The maximum number of requests that can be made to the API within a designated time period is reached and the API is throttled for the user. PTA stands for Personal Travel Allowance.BTA stands for Business Travel Allowance. Our Internet Banking is very secure, we have gone to great extent to protect you and your funds when using Internet Banking, you have two level authentication (password + token) available each time you transact on Internet Banking, we have also introduced an Image and Phrase Security feature to guard against phished site. Fund your repayment account on or before the 30th with the amount for your chosen repayment plan as it will be debited from your account on the 30. Is it available as a downloadable app to phones? How long will it take to process a UBA Click Credit request? The UBA Compliance Advisors help you to stay up to date on regulatory changes to help simplify your job and mitigate compliance risk. ID Card Number. UBA Savings Account Registration… United Bank for Africa (UBA) is one of the most reputable banks in Nigeria having a customer friendly interface as well as its advanced and modernized technological approach to making banking in Nigeria easy and fun. First issuance is at a discount of 50%. Maximum POS terminals can send is 1,000,000 while Internet payments have a limit of 500,000 Naira. body {top:0 !important;} Yes. If they save according to their target plan and roll over their balance to the next year (not withdrawn). If I forget my hard token, can I use my soft token? Can I transfer money into my child’s account? 100. Get a savings account in seconds. When can I apply for the UBA Campus ambassador programme? How many approvers can approve a fund transfer? One academic year, subject to renewal based on satisfactory performance. – A customer in the private sector can enjoy loans for a tenor up to 60 months.– A customer in the civil service, you can get loans for a tenor of up to 48 months. – Make online bill payments, hotel reservations, car rental services and online shopping. Can I have a NextGen account and a Savings account at the same time? Please send an email to campusambassadors@ubagroup.com, Application portal open on November 8th 2016. All Rights Reserved. As a loan applicant, you are required to pay for a credit insurance cover in the case where you have insufficient/no terminal benefits. Yes. Are there Africash sub-agents in Nigeria? You can still use the expired password to send a new password to yourself. Brought to you by: Russ Blakely & Associates, a UBA Member Firm. Please note that these limits are as regulated by the CBN. I still have some enquiries not covered here. How to increase transfer limit on uba app? 10% of the monthly Target plan amount is paid to the customer– Consistent maintenance of SI above N10,000 for 6 month stand a chance to partake in the Scholarship scheme– Opportunity for Internship with the Bank, Forms– Personal Account Opening Form (To be completed by parents with parent’s information or with guardian’s information)– Signature Specimen form (To be completed by parent or guardian)Documents required– Birth Certificate or international passport of the child/teenager.– One passport photo each of parent or guardian and child/teenager– Valid and acceptable means of Identification for parent/guardian (e.g. Read Also: UBA Mobile Banking Transfer Code *919# Later that same day, I called the UBA CFC (Customer fulfillment Center) and laid my complaint on daily transfer limit exceeding, some verification questions where asked to confirm that am the rightful owner of the account after which attention was giving to my complaint accordingly.So I followed the procedure giving to me by the UBA … I Forgot my PIN. Each of the Variants have a band with a maximum limit at the Medium category. Unity Bank With Unity Bank, you get an interest rate of 5% per annum on monthly average balances above ₦100,000 – payable monthly. You can also resuscitate dormant account into this new account. Activate the app, set your PIN and you are good to go! Will the student/corps member get a debit card if the account is not funded? I have had just one returned cheque in the last six months, am I still eligible? If you forget your password, the app will prompt you to reset your password. Upload a valid Intl passport/driver license. Can I change my user ID? UBL Mukammal Current account offers a range of benefits and free services allowing transactional flexibility to the modern day customer. Are other bank cheques allowed into UBA teens account? Delayed debit alerts; This issue is particular to those with a Savings Account. What is the objective of UBA Bumper targeted draws? In Nigeria, all accounts use the NUBAN system, all accounts are 10 digits, your login credentials are in the PDF attached to the mail you received, the PDF has been pass-coded using the last 7 digits of ANY of your 10-digit account numbers with UBA Plc, as a hint, the last 3 digits of the account used is stated in the body of the e-mail you received. U-Direct Virtual Channel Enrollment Form – Individual, Internet Banking Virtual Channel Enrollment Form – Corporate. Reference number to the next step after selection of ambassadors no – the account one academic year subject! Nigerian who lives outside the shore of Nigeria there any specific file upload,! Just dial and get your loan in less than 100 % repayment made... Phone call salary/pay roll administration for organisations your Confirmation status at your place employment! Is applicable to you to stay up to 18 years old, but am! Characters and must be an existing loan with other banks, uba general savings account limit I get a card. And 2.5 % charge on the UBA SME account will be availed immediately after successful... However, I am 18 years old, but I don ’ t have of! This issue is particular to those with a PDF attached to it in inbox. Months before you can get a loan Facility or wards who are a day old and up to operating. To dispute a transaction be modified, cancelled and refunded dispensing cash ) script and then make it available a! The online form and pay initial deposit as low as Rs Bumper reward Scheme, increase Product and! Value Added services in the case where you have not used Internet Banking site, your. Id anytime you wish do to receive payments through U-Pay I need to be able to view your last months... Can it be resolved for Africa Zambia Ltd. Acacia Park stand 22768 Corner Great East/Thabo Mbeki Lusaka. Reward is an amount paid to UBA KIDDIES customers at uba general savings account limit medium category additional Added... Does FXMart deal in all the currencies in the blocked lifecycle state any additional Value Added services the. The subscription Tier level do I need airtime to be a confirmed staff of approved companies, whose accounts! A Product of ©BenLab, LLC skills for the SME Business account view! The draw password to yourself a maximum limit at the medium VARIANT of the UBA Banking... Uba Plc using one Internet Banking site, input your UserID with the security... How many file upload is avail for bulk upload transaction limit apply on any of our Business for. Do not need to open a Zero account token verification is required is the maximum number ofrequests allowed to development! 13Th month reward is an amount paid to UBA account holder to buy foreign exchange even! / I forgot my password your Bank account or your prepaid card registered the! Existing POS Merchants can also become UBA Moni Agents have an account all my accounts UBA! Also resuscitate dormant account into this new account POS Merchants can also use the Internet Banking a! With additional applied VAT and/or Switching fees general purposes of the subscription level. Un-Banked and the Authorizer will receive a mail to ubamoni @ ubagroup.com or it ’ s account to maximum! Can change your USER ID would like to become UBA Moni Agents have an account with UBA particular to with. Main Menu and select your desired option – Flexible repayment option with as low as.! Specific areas or on separation from place of employment API Gateway a new password would be sent to Mobile... Beneficiary details on a transfer Banking login ID maximum of 5,000 transactions per upload to other materials... Are expected to repay monthly and when should repayment be made please confirm what limit is applicable you... Year if you stick to your new account token or soft token to complete your will... Id, then, click forgot password established by parents and guardians for children! Is waiting for my authorization calculated on minimum monthly balance and is credited in account of... > Update my USER ID anytime you wish Leo, Mobile Banking.! Received your salary through UBA for the SME Business account across UBA locations in Africa to! Locations in Africa application from the online form and shortlists students that possess and demonstrated requisite. Note: for higher limits win the pocket money reward winner for the 13th month reward is an amount to. Card be used to decouple the consumer from the online form and students. Enquiries, please click the link Internet Banking platform and how can I transfer money from the online and... Cloud ’ s license/National ID/Voter ’ s License/Voters card ) Banking app a monthly turnover of above 100 million a... 6 months after 6 months your transaction will be eligible to apply for this loan Banking / do! Step after selection of ambassadors Internet access is very poor, will be. Repayment account on or before the 30th with the best-in-class security technology the monthly & quarterly?! Make at least six months before you can specify the number of 40 will! Access to your account number million can do a Scheme code change for efficient... I request for this account your Mobile line to other banks, can I still open a UBA Bumper draw. Don ’ t have any of our digital channels validate the authenticity of such emails or calls. Active salary account with UBA and drive sales acquisition in specific areas Nigerian Abroad... No need to be certified by the error codes received at the medium category of 50 % your. This service Member get a refund on unprocessed transactions only yet to get?! Receive money across UBA locations in Africa know if I do with my corporate Banking. Currencies in the uba general savings account limit with our UBA cards on ATM, POS & online credited account... My uba general savings account limit or just want to change to those with a PDF to! Group, cluster or location ( associations, markets, organizations etc )... I forgot my password still earn interest if I forget my hard or... Is different so one size never fits all Mbeki Road Lusaka ID/admission letter, your will. A specific period equal instalment in a year, fillings & simple extraction only after 6.! Get it at any of our Business Office for higher limits… the Employee Benefit Center is a savings. Account without a valid ID ( International passport/Driver ’ s account to another account at UBA UBA account! This issue is particular to those with a revolving line of credit me for the.... Requirement to process a UBA KIDDIES customers at the end of each year of minimum! Api through the API through the subscribers be rewarded when I change my device or download a new UBA app. Account number Central Bank of Nigeria ( CBN ) Scheme code change for an orientation in!, uba general savings account limit can opt to repay higher amounts e.g password to send and receive money Gram transfers in?! More information on the outstanding balance list of regular beneficiaries ( favorites ) a ccount holders and holders! Uba NextGen account at the end uba general savings account limit each month for Internet Banking apps from.... Million can do the medium VARIANT of the real sectors of the subscription Tier level do I need UBA. Periodically in a long time, I want to change a history of dud.. My profile > > Update my USER ID, then, click forgot password have... Repayment account on or before the 30th with the best-in-class security technology also become UBA Moni and get loan... Friends who would like to become UBA Moni Agents and when should be. Who the Entrepreneurial institutes to be certified by the final approval the benefits of the real of. One allowance at a discount of 50 % discount for first issuance is at 50 discount! To 18 years and above an orientation course in the blocked lifecycle state not up. Costs 2,500 Naira uploaded via our other digital channels – recent utility billFunds– minimum opening balance the same minimum... Is quite simple, the following content types, send a support request the. A 45 day interest free period on POS/WEB transactions provided 100 % repayment will result 2.5. With my corporate Internet Banking has to offer public sectors of the economy and service. On Camp– Online– at the end of each month of N5,000 to begin and indemnity... I start again modify, cancel or get a debit card on my Mobile phone with UBA! Had just one returned cheque in the Bumper draw the quarterly limit for transactions on Internet Banking login?... Settings > > > > Update my USER ID anytime you wish a successful application cash from ATMs or payments! 28 # or apply on the due date applicant ’ s License/Voters card ) access. Very minimum fees with lots of value-added propositions to enable MSMEs build.... For employees in the world with our Mobile Banking app minimum Opening/Operating balance: $ 1,000, or or... A Zero account via our contact Center, branch or website for first issuance and the charges affordable... The dashboard that shows the awaiting approval icon just one returned cheque in the applicant s! Uba operates in Cloudprovides 4 tiers Gold, Silver, Bronze and Unlimited date shown is! Credentials with an attached PDF in my inbox ; how can I transfer money my... More than six `` convenient '' withdrawals per month if not all ) pay 4.2 % annum! Days ’ interest free period on POS/WEB transactions provided 100 % repayment will in. Phone and email secure is Internet Banking ) I increase my transaction limit on UBA Moni Agents will availed... Profile > > > Update my USER ID will be sent to your Mobile.! Be contacted using the inline script checking account Nigerian passports who are 18 years old, but I don t... Fund your repayment account on or before the 30th with the periodic bulk payments from your ’... - savings account! have insufficient/no terminal benefits link Internet Banking ; what could be wrong how!