This document outlines the account opening procedures for various types of bank accounts in Bangladesh, including personal accounts, joint accounts, business accounts, and accounts for organizations. It provides details on the required documentation and authorization needed for each type of account, such as national ID documents, business registration papers, account operating instructions, and signatures of account holders. The procedures are in place to properly verify customers and comply with relevant laws and regulations regarding bank accounts.

1. Account Opening Procedure: Current Account,
Savings Account, SND Account and others
(Club, Society, Religious institution, GO, NGO'S,
Trust Liquidators, Executors, Minor, Lunatic,
Insolvent, Illiterate etc.)
Presented By
Mohammad Mosawar Hossain
AGM

2. e¨vsK wnmve wK?
AvgvbZKvixi bv‡g e¨vs‡K †h wnmve †Lvjv nq Zv‡K e¨vsK wnmve
ev e¨vsK GKvD›U e‡j|
e¨vcK A‡_©, †h c×wZi gva¨‡g e¨vsK MÖvnK‡`i A_© wnmv‡e Rgv
iv‡L, A_© D‡Ëvj‡bi my‡hvM cÖ`vb K‡i Ges mKj cÖKvi †jb‡`b I
wnmvemg~nmsiÿY K‡i,Zv‡K e¨vsK wnmvee‡j|
wWKmbvixAe e¨vswKs GÛ dvBbvÝ-Gi fvlvq,
ÒBank Account is a Contractual agreement
between a bank and it’s customer, allowing
the customer to use bank services for a fee.”

3. e¨vs‡Ki AvgvbZ wnmve mg~n
e¨vsK wewfbœ cÖKv‡iiAvgvbZ wnmve †Lv‡j _v‡K t-
1|mÂqxAvgvbZwnmve (Savings Deposit Account)
2|PjwZAvgvbZwnmve (Current Deposit Account)
3|†gqv`x/¯’vqxAvgvbZwnmve (Fixed Deposit Account)
4|¯^í†gqv`xAvgvbZwnmve (Short Notice Deposit Account)
5|wewfbœai‡YimÂqx¯‹xgwnmve(Different Types Deposit
Scheme Account)

4. MÖvnK wbe©vP‡b Abym„Ze¨bxwZ
 †ebv‡g, QÙbv‡g A_ev ïaygvÎ b¤^ihy³ †Kvb wnmve
 Awfbœ wnmve †Lvjvi dig
 h_vh_fv‡e c~iYK…Z KYC msMÖn I msiÿY
 gvwb jÛvwis cÖwZ‡iva AvBb
 cÖ‡qvRbxq WKz‡g›Um I KvMRcÎ
 wnmve eÜ Kiv
 MÖvn‡Ki Z_¨A‡b¨i wbKU cÖKvkKiv

5. wnmve †Lvjvi †hvM¨Zv
†Kvb Pzw³ m¤úv`‡bi †hvM¨Zv m¤úbœ †h †Kvb e¨w³B e¨vs‡K wnmve
Lyj‡Z cv‡ib| 1872 mv‡ji Pzw³ AvB‡bi 11 aviv Abyhvqx whwb AvB‡bi
Aaxb, AvB‡bi weavb g‡Z c~Y©eq¯‹ Ges my¯’ g‡bi AwaKvix Gme e¨w³
Pzw³ m¤úv`‡b †hvM¨Zv m¤úbœ e‡j we‡ewPZ n‡eb|

6. wnmve †Lvjvi †hvM¨Zv
 e¨w³we‡klev mgwó|
 A-e¨emvqxcÖwZôvb†hgb-K¬ve,¯‹zj,K‡jR,msNBZ¨v`x|
 e¨emvqx cÖwZôvb, h_v :-GK gvwjKvbv Kvievi, ‡hŠ_ g~jabx Kvievi,
Askx`vixKvievi,ms¯’v,e¨vsKBZ¨v`x|
 c`vwaKvi e‡j, †hgb-wbeÜK (†iwRóªvi), DcvPvh©¨, gnv-wnmve iÿK
BZ¨v`x|

7. wnmve †Lvjvi A‡hvM¨Zv
weK…Zgw¯Í®‹n‡j|
AÜ,gyKIewai( Z‡e Ab¨†jv‡Kimv‡_†hŠ_ wnmve†Lvj‡Zcv‡i)|
Av`vjZKZ©„K †NvwlZ†`Iwjqv|
bvevjK ev AcÖvß eq¯‹‡K mvaviYZ e¨vsK wnmve †Lvj‡Z
wbiærmvwnZ Kiv nq (Z‡e Awffve‡Ki mv‡_ †hŠ_fv‡e I ¯‹zj
e¨vswKs wnmveLyj‡Zcv‡i)

8. wewfbœMÖvn‡Ki AvgvbZ wnmve t
1) e¨w³ wnmve(Personal Account)
2) †hŠ_ wnmve(Joint Account)
3) GKK gvwjKvbv Kvievi (Propritorship Business)
4) Aswk`vixKvievi (Partnership Business)
5) wjwg‡UW †Kv¤úvbx (Limited Company)
6) Ae¨emvqxcÖwZôvb (¯‹zj, K‡jR, K¬ve,mwgwZ)
7) ms¯’v, miKvix, AvavmiKvix, ¯^vqZ¡kvwmZcÖwZôvb, GbwRI
wnmve
8) bvevj‡Ki wnmve(Minor Account)
9) ¯‹zj e¨vswKs(School Banking)
10)wR¤§vwnmve(Trust Account)

9. e¨w³ wnmve (Personal Account)
K)e¨vsK wba©vwiZ di‡g ¯^vÿihy³ wnmve †Lvjvi Av‡e`b cÎ|
L) Rb¥ wbeÜb mb`/RvZxq cwiPqc‡Îi mZ¨vwqZ Kwc/ cvm‡cv‡U©i mZ¨vwqZ
Kwc|
M) mZ¨vwqZ cvm‡cvU© mvB‡Ri Qwe|
N) Av‡e`b c‡Î cwiPvqK (cwiwPwZ mn) KZ©„K cÖZ¨vwqZ bgybv ¯^vÿi|
O) Av‡e`bKvix KZ…©K mZ¨vwqZ bwgbxi Qwe I RvZxq cwiPq c‡Îi Kwc|

10. †hŠ_wnmve (Joint Account)
K) e¨vsK wba©vwiZ di‡g cÖ‡Z¨‡Ki¯^vÿihy³ wnmve †Lvjvi Av‡e`b cÎ|
L) Rb¥ wbeÜb mb`/RvZxq cwiPqc‡Îi mZ¨vwqZ Kwc/ cvm‡cv‡U©i mZ¨vwqZ
Kwc|
M) mZ¨vwqZ cvm‡cvU© mvB‡Ri Qwe (cÖ‡Z¨‡Ki)|
N) Av‡e`b cևΠcwiPvqK (cwiwPwZ mn) cwiPvqK KZ©„K cÖZ¨vwqZ bgybv
¯^vÿi|
O) wnmve cwiPvjbv, wnmve n‡Z Kvi ¯^vÿ‡i UvKv DVv‡bv hv‡e Ges GKR‡bi
g„Zy¨ ‡Zwnmv‡ei UvKv †Kcv‡e ev KZAsk cv‡e †m wel‡q e¨vs‡K†NvlbvcÎ
(Survivorship slip) w`‡Z n‡e|

11. GKK gvwjKvbv Kvievi (Propritorship Business)
K)e¨vsKwba©vwiZ di‡g ¯^vÿihy³ wnmve†Lvjvi Av‡e`bcÎ| (Ae¨w³Kwnmve dig)
L) Rb¥ wbeÜb mb`/RvZxq cwiPqc‡Îi mZ¨vwqZKwc/ cvm‡cv‡U©imZ¨vwqZKwc|
M)mZ¨vwqZcvm‡cvU©mvB‡Ri Qwe|
N) bgybv ¯^vÿiKv‡W© MÖvn‡Ki(cÖwZôv‡bi bvghy³ gvwj‡Ki wmjmn) bgybv ¯^vÿi MÖnY Ki‡Z
n‡e|
O)e¨emvcÖwZôv‡bi†UªW jvB‡mÝ|
P)wnmv‡ei wk‡ivbvg e¨emvcÖwZôv‡bibv‡gn‡e|
Q)cÖwZôv‡bic‡ÿ gvwjK KZ©„K wnmvewU cwiPvwjZ n‡e|
R) Av‡e`bc‡ÎGKK gvwjKvbv m¤ú‡K© MÖvn‡Ki¯^vÿi mnwWK¬v‡ikb MÖnb Ki‡Zn‡e| wWK¬v‡ikb
GB g‡g©n‡e†h wZwbB GB cÖwZôv‡biGKgvÎ ¯^Z¡vwaKvix Ges wnmv‡ei mKj †jb‡`‡bi Rb¨
wZwb e¨w³MZfv‡e `vqx _vwK‡eb|
S)Ab¨vb¨ wbqgvejx e¨w³K wnmv‡ei Abyiæc|

12. Aswk`vixKvievi(Partnership Business)
K)mKjAskx`vi‡`i ¯^vÿihy³ e¨vsKwbav©wiZ di‡gwnmve †Lvjvi Av‡e`b|
L) Rb¥ wbeÜb mb`/RvZxq cwiPqc‡Îi mZ¨vwqZKwc/ cvm‡cv‡U©imZ¨vwqZKwc|
M)mZ¨vwqZcvm‡cvU©mvB‡Ri Qwe(cÖ‡Z¨‡Ki)|
N) cvU©bvikxc `wj‡ji Abywjwc Ges cÖ‡Z¨KAskx`vi‡`i `vq`vwqZ¡m¤ú‡K© weeiY e¨vs‡K
`vwLj Ki‡Zn‡e|
O)Av‡e`bc‡Îmywbw`©ó fv‡e wnmvecwiPvjbv wel‡q D‡jøL Ki‡Zn‡e| wnmve cwiPvjbv
GKRb ev`yBRb A_ev mKjAskx`viMY GK‡Î Ki‡e Zvimy¯úó D‡jøL _vK‡Zn‡e| bgybv
¯^vÿi Kv‡W© wnmve cwiPvjbvi Rb¨ (mKj Askx`vi KZ©„K)Aby‡gvw`Z Askx`vix/
Askx`vi‡`i (wmjmn) ¯^vÿi MÖnY Ki‡Z n‡e|
P)e¨emvcÖwZôv‡bi †UªW jvB‡mÝ|

13. wjwg‡UW†Kv¤úvbx (Limited Company)
K)wbeÜbcÎ (Certificate of incorporation) GimZ¨vwqZKwc|
L)†g‡gv‡iÛvgAeG‡mvwm‡qk‡bi mZ¨vwqZKwc;
M)AvwU©‡KjmAeG‡mvwm‡qk‡bimZ¨vwqZKwc;
N)mvwU©wd‡KUAeK‡g݇g›UAeweR‡bmGmZ¨vwqZKwc;
O)†Kv¤úvbxicwiPvjbvcl©‡`ibv‡giZvwjKv|
P)†Kv¤úvbxiw¯’wZcÎ|
Q)e¨vsKwnmve†Lvjv,cwiPvjbv,e¨vsKg‡bvbqbm¤úwK©ZcwiPvjbvcl©‡`iwm×všÍ(†iRy‡jkb) Gi
mZ¨vwqZKwc|
R)e¨vsKwba©vwiZdi‡g cÖ‡Z¨‡Ki¯^vÿihy³wnmve†LvjviAv‡e`bcÎ|
S) Rb¥wbeÜbmb`/RvZxqcwiPqc‡ÎimZ¨vwqZKwc/ cvm‡cv‡U©imZ¨vwqZKwc|
T)mZ¨vwqZcvm‡cvU©mvB‡Ri Qwe(cÖ‡Z¨‡Ki)|
U) Av‡e`bcÖ‡ÎcwiPvqK(cwiwPwZmn) cwiPvqKKZ©„K cÖZ¨vwqZbgybv¯^vÿi

14. Ae¨emvqx cÖwZôvb (¯‹zj,K‡jR,K¬ve,mwgwZ)t
K)e¨vsK wba©vwiZ di‡g cÖ‡Z¨‡Ki¯^vÿihy³ wnmve †Lvjvi Av‡e`b cÎ|
L) mvwU©wd‡KU Ae †iwR‡÷ªkb Gi mZ¨vwqZ Kwc|
M) †g‡gv‡iÛvg Ae G‡mvwm‡qk‡bi mZ¨vwqZ Kwc ;
N) AvwU©‡Kjm Ae G‡mvwm‡qk‡bi mZ¨vwqZ Kwc ;
O) wnmve †Lvjvi Rb¨ cÖwZôv‡bi Kvh©wbe©vnx KwgwUi wm×v‡šÍi mZ¨vwqZ
cÖwZwjwc MÖnY|
P) Rb¥ wbeÜb mb`/RvZxq cwiPqc‡Îi mZ¨vwqZ Kwc/cvm‡cv‡U©i mZ¨vwqZ Kwc|
Q) mZ¨vwqZ cvm‡cvU© mvB‡Ri Qwe (cÖ‡Z¨‡Ki)|
R) wnmve cwiPvjbvi wb‡`©kbv ¯úófv‡e D‡jøL Ki‡Zn‡e|
S) Av‡e`b cևΠcwiPvqK (cwiwPwZ mn) cwiPvqK KZ©„K cÖZ¨vwqZ bgybv ¯^vÿi
KvW©|

15. ms¯’v, miKvix, AvavmiKvix, ¯^vqZ¡kvwmZ cÖwZôvb, GbwRI
K)cÖwZôv‡biMVbZš¿|
L)wbeÜbcÎ|
M)e¨vsKwnmve†Lvjv,cwiPvjbvm¤ú‡K©†ev‡W©i †iRy‡jkb|
N)miKvix†ÿ‡Îwb‡`©kcÎ|
O)GbwRIey‡ivi†iwR‡÷ªkb|
P)mgvRKj¨vbAwa`߇ii†iwR‡÷ªkb|
Q)e¨vsKwba©vwiZdi‡g cÖ‡Z¨‡Ki¯^vÿihy³wnmve†LvjviAv‡e`bcÎ|
R) Rb¥wbeÜbmb`/RvZxqcwiPqc‡ÎimZ¨vwqZKwc/ cvm‡cv‡U©imZ¨vwqZKwc|
S) mZ¨vwqZcvm‡cvU©mvB‡Ri Qwe(cÖ‡Z¨‡Ki)|
T) Av‡e`bcÖ‡ÎcwiPvqK(cwiwPwZmn) cwiPvqKKZ©„K cÖZ¨vwqZbgybv¯^vÿi|

16. c`©vbkxjgwnjvt
c`©vbkxj gwnjvi †ÿ‡Î e¨w³wnmve †Lvjvi ixwZ AbymiY Ki‡Zn‡e| Z‡ec`©vbkxj gwnjvi mvgvwRK
gh©v`v, wkÿv I h_vh_ cwiwPwZ m¤ú‡K© mZK©ZvAej¤^b Ki‡Zn‡e| †hgbt
K)gwnjvi cwiwPwZ wb‡Z n‡e,gwnjv‡K kvLvq Dcw¯’Z _vK‡Z n‡e|
L) gwnjvi ¯^vÿi †Kvb`vwqZ¡kxj †jvKØvivmZ¨vwqZKi‡Zn‡e|
M)gwnjv wbiÿi n‡j Zvi wUcmwn `vwqZ¡kxj e¨w³/e¨e¯’vcKØvivmZ¨vwqZKi‡Zn‡e|
N) gwnjv weevwnZ n‡j Zvi¯^vgxi bvg,wVKvbvwjL‡Z n‡e|
O)gwnjvi QwemZ¨vwqZI gy‡Li m‡½ Qwewgjv‡Z n‡e|
P) ¯^vgx PvKzixRxex n‡j Zvi Kg©¯’j, c`ex Ges Awd‡mi wVKvbvwjL‡Z n‡e|
Q)e¨e¯’vc‡Kimvg‡bwnmve †Lvjvi `iLv‡¯Í Ges bgybv ¯^vÿiKv‡W© ¯^vÿi cÖ`vbKi‡Zn‡e|

17. wbiÿie¨w³/AÜe¨w³t
wbiÿi e¨w³iwnmve †Lvjvi mgqe¨w³wnmve †Lvjvi ixwZ AbymiY K‡iwb‡¤œv³ Kvh©vw`
m¤úbœ Ki‡Zn‡et-
K)e¨e¯’vc‡Kim¤§y‡L Av‡e`bc‡Î wUcmwn `vb|c~iæ‡li evg nv‡Zi Ges †g‡q‡`i Wvbnv‡Zi
e„×v½ywji wUcmwn wb‡Z n‡e| Z‡eAÜ e¨w³wUcmwni ¯’‡j ¯^vÿi w`‡ZPvB‡j Zv
MÖnY Ki‡Zn‡e|
L) wUcmwni bx‡P kvLv e¨e¯’vcK¯^vÿi I mxj‡gvni w`‡eb|
M)cvm‡cvU©AvKv‡ii QweI Mb¨gvb¨ e¨w³i wbKUn‡ZcwiwPwZcÎ| wnmve†Lvjvi mgq
wnmve cwiPvjbvi wbqgvejx cwiPqKvix Zv‡Kc‡oïbv‡eb|
N) mvaviYZtwbiÿie¨w³‡K †PK eBBmy¨ Kiv nqbv| wbiÿi/ AÜ e¨w³‡Ke¨vsKn‡ZUvKv
Zzj‡Zn‡j cÖwZeviBwb‡R‡K Dcw¯’Z n‡Zn‡e Ges Awdmv‡ii mvg‡bwUcmwn/ ¯^vÿi
w`‡Zn‡e|

18. wR¤§v wnmve (Trust Account)
†Kvbwbw`©ó j‡ÿ¨ †Kvbm¤úwË †`Lv‡kvbv evZË¡veavbKivi Rb¨ hLb KwZcq†jvK GKwÎZnq
Zv‡`i‡KUªvw÷ e‡j| Uªvw÷‡`i ga¨ n‡ZUªv‡÷i Aby‡gvw`Z GK evGKvwaK e¨w³‡Ke¨vs‡K
wnmve †Lvjvi AbygwZ †`Iqv nq| Uªv÷ wnmve†Lvjvi c~‡e© Uªv÷`wjj wb‡Zn‡e Geswnmve
†Lvjvi d‡g©i ms‡M ZvimZ¨vwqZAbywjwc ivL‡Z n‡e| GBwnmve †Lvjvi mgqwb¤œv³ KvR¸‡jv
Ki‡Zn‡et
 `vwqZ¡kxj †Kvbe¨w³i gva¨‡gcwiwPwZ †bIqv|
 ‡KvbGKK m`m¨‡K¯^vÿi Kivi ÿgZv†`Iqv n‡q‡QwKbv ;†`qvbv _vK‡j mKj Uªvw÷‡`i ¯^vÿi
wb‡Z n‡e|
 wnmve cwiPvjbv Kvixi Qwewb‡Zn‡e|
 Uªvw÷‡`i FY MÖn‡Yi ÿgZv†`qvn‡q‡Q wKbv;†`qvbv _vK‡j †Kvbwewb‡qvM myweav †`Iqv
hv‡ebv|
 Gme wnmve†Lvjvi mgq†jRv‡i / Kw¤úDUv‡i Uªv÷ wnmve K_vwU gvK©K‡iivL‡Z n‡e|

19. bvevj‡Ki wnmve (Minor Account)
1872 mv‡ji Pzw³ AvBb Abyhvqx bvevjK Pzw³ Ki‡Z cv‡ibv weavq †m wb‡R e¨vsK wnmve Lyj‡Z I
cwiPvjbv Ki‡Z cv‡ibv|Z‡eAwffve‡Ki mv‡_ †hŠ_ wnmveLyj‡Z nq| bvevj‡Ki wnmve Lyj‡Z n‡j t
K) wnmve †Lvjvi mgq bvevjK Ges AwffveK Df‡qi Rb¨B e¨w³ msµvšÍ Z_¨vejx dig c~iY Ki‡Z n‡e|
bvevjK/bvevwjKvi bv‡g AvBbvbyM AwffveK Gi ¯^vÿ‡i Ges Zv‡`i AeZ©gv‡b Ab¨ Awffve‡Ki
¯^vÿ‡i wnmve Lyj‡Z n‡e| AwffveK KZ©„K cÖ`Ë bvevjK bvevwjKvi Rb¥ZvwiL wnmve †Lvjvi
Av‡e`bc‡Î wjwce× Ki‡Z n‡e|
L) bvevj‡Ki QweI Awffve‡Ki Qwe|
M)bvevjKZ¡ AwZevwnZ nIqvi cicybivq AwffveK KZ©„KmZ¨vwqZQweMÖnY|
N) mvevjKnIqvi cibvevj‡Ki ¯^vÿi AwffveK KZ©„Kmbv³KiY|
O) wnmve †Lvjvi dig I bgybv ¯^vÿi Kv‡W© Minor Account, Rb¥ZvwiL,mvevjK nIqvi ZvwiL
wj‡L ivL‡Z n‡e|

20. Verification of documents
List of documents Issuing Authority
Current Valid Passport Passport Office
Up-to-date TIN Certificate Tax Authority
Valid Driving License
Bangladesh Road Transport
Authority (BRTA)
Voter ID Card/NID
Office of Election Commission
(EC)
Armed Forces ID Card Employer or their delegate
A Bangladeshi Employer ID Card bearing the photograph and signature of
applicant
Employer
A certificate from any local government organs such as Union Council
Chairman, Ward Commission etc. (In this case the certifier should attest
applicants’ photograph along with signature).
UP Chairman / Ward
Councillor
Trade License with photograph can be accepted for individual’s identification Local Govt. Authority
Memorandum of association, Articles of association, Certification of
incorporation, certificate of commencement
Registrar of Joint Stock
Companies and Firms

21. bvevj‡Ki wnmve (Minor Account)
P) bvevjKcÖvß eq¯‹nIqvi ci AwffveKUvKv D‡Ëvjb Ki‡Z cvi‡ebv|
Q) (wnmve cwiPvjK) Awffve‡Ki g„Zy¨‡Z Ges bvevjK mvevjKZ¡ AR©b bv Ki‡j wnmv‡ei w¯’wZ bvevj‡Ki cieZ©x
AvBbm¤§Z Awffve‡Ki gva¨‡g cwi‡kva Ki‡Z n‡e| wcZv/gvZv ev wcZvi wcZv nj bvevj‡Ki AvBbm¤§Z
AwffveK| Zv‡`i AeZ©gv‡b Dchy³ Av`vjZ KZ©„K g‡bvbxZ bvevj‡Ki Awffve‡Ki gva¨‡g mswkøó wnmv‡ei
w¯’wZ cwi‡kva‡hvM¨|
R) bvevjK/ bvevwjKvi bv‡g wnmve †Lvjvi di‡g AwffveK cÖ`Ë Rb¥ZvwiL Abyhvqx mvevjKZ¡ AR©b Ki‡j Zvi
h_vh_ mbv³KiY mv‡c‡ÿ wnmv‡ei w¯’wZ h_vwbq‡g cÖ`vb Kiv hv‡e| G‡ÿ‡Î c„_K †Kvb cÖZ¨q‡bi cÖ‡qvRb
†bB|
S) bvevjK/ bvevwjKv mvevjKZ¡ AR©b Ki‡j Zvi h_h_ mbv³KiY mv‡c‡ÿ wnmve cwiPvjbv Ki‡Z †`Iqv hvq| Z‡e
wnmvewU bvevjK/ bvevwjKv KZ©„K mvevjKZ¡ AR©‡bi ci Pvjv‡bv n‡j Kbdvi‡gUix wnmve †Lvjvi Av‡e`b cÎ
Ges bgybv ¯^vÿi KvW© MÖnY Ki‡Z n‡e| G Qvov Giæc †ÿ‡Î wnmve †Lvjvi mgq wnmve cwiPvjK AwffveK
KZ©„K bvevjK mvevjKZ¡ AR©‡bi ci Zvi KZ…©K wnmvewU cwiPvwjZ n‡e g‡g© †Nvlbv w`‡Z n‡e| wZwb
mvevjK Ae¯’vq B”Qv Ki‡j †Lvjv wnmve eÜK‡i w`‡Z cvi‡eb Ges cÖ‡qvRb †ev‡a bZzb wnmve Lyj‡Zcvi‡eb|
T) bvevjK Gi bv‡g †hŠ_ wnmve †Lvjv hv‡ebv| †Kbbv †Kvb bvevjK bvevwjKv KZ©„K †Kvb e¨vcv‡i Pzw³ m¤úv`b
evA½xKvi Kiv AvBbMZ fv‡eMÖnb‡hvM¨ bq|

22. ¯‹zj e¨vswKs (School Banking)
MZ11-11-2013 Zvwi‡L wWGgwW-1 cwicÎ b¤^i -09/2013
01| wnmve †Lvjvi AvIZv t
AÎ e¨vs‡KicÖwZwUkvLvq ¯‹zje¨vswKs Kvh©µgPvjy Kivhv‡e| Z‡e†Rjv I Dc‡Rjv ch©v‡qi kvLv, ¯‹zj
K¤úvD‡Û Aew¯’Z kvLv Ges ¯‹zjmsjMœ fe‡b Aew¯’Z kvLv mg~‡nD³ Kvh©µg‡K AMÖvwaKvi
cÖ`vbKivn‡e|
02| wnmve †Lvjv t
6 n‡Z18 eQ‡iiKg eq¯‹ wkÿv_©xiv ¯‹zj e¨vswKs Gi AvIZvq wnmve Lyj‡Z cvi‡e|wnmve †Lvjvi †ÿ‡Î
we`¨vj‡qi cÖavbwkÿK evwe`¨vjq KZ©„Kg‡bvbxZ Ab¨ †KvbwkÿK cwiPq`vbKvix n‡eb|
03| wnmve cwiPvjbv t
QvÎQvÎx‡`i c‡ÿwcZv/gvZvA_ev AvBbMZ Awffv†Ki gva¨‡g wnmvewU cwiPvjbv Ki‡Zn‡e|

23. ¯‹zj e¨vswKs (School Banking)
04| wnmve †Lvjvi dig t ¯‹zj e¨vswKs Gi wnmve †Lvjvi †ÿ‡Î we`¨gvb Uniform Account Opening
FormGes KYC dig e¨envi Kivi Rb¨ Bangladesh Financial Intelligence UnitG i Ryb 30,2008
Zvwi‡L RvixK…Z mvK©yjvi †jUvi bs –GGgGjwW-1(cwjwm)/2008-2234 Gi wb‡`©kbv cÖ‡hvR¨ n‡e| Giƒc
wnmv‡ei Rb¨ QvÎQvÎx Ges AwffveK Dfq‡KB e¨w³MZ Z_¨dig c~iY Ki‡Z n‡e Ges Dfq di‡g ˆea Awffve‡Ki ¯^vÿi
_vK‡Z n‡e|
05| wnmv‡ei cÖK…wZ t D³ Kvh©µ‡gi AvIZvq wnmve mÂqx wnmve AvKv‡i †Lvjv hv‡e Ges Gi bvg n‡e Ò÷z‡W›U
†mwfsm GKvD›UÓ| cÖ‡qvR‡b G wnmve n‡Z ¯’vbvšÍ‡ii gva¨‡g †h †Kvb mÂqx ¯‹xg †Lvjv hv‡e|
06| b~b¨Zg cÖviw¤¢K Rgv t
K) Giƒc wnmve Kgc‡ÿ 100/- (GKkZ) UvKv MÖnYc~e©K †Lvjv hv‡e|
L) †h †Kvb Kg©w`e‡m kvLvi 1/2 Rb Kg©KZ©v ¯‹z‡j wM‡q ¯‹zj KZ©„c‡ÿi mvwe©K mn‡hvwMZvq wnmve †Lvjv
/Avgvb‡Zi UvKv Rgv MÖnY Ki‡Z cvi‡eb|
M) wnmveavix (QvÎ/QvÎx ) e¨vsK kvLvq G‡mI wnmve †Lvjv/ wnmv‡e UvKv Rgv Ki‡Z cvi‡eb|
07| bvMwiKZ¡ t wnmveavix QvÎ-QvÎx Ges AwffveK /AvBbMZ AwffveK Dfq‡KB evsjv‡`‡ki bvMwiK n‡Z n‡e|

24. ¯‹zj e¨vswKs (School Banking)
08| wnmve †Lvjvi mgq cÖ‡qvRbxq `wjjvw` t wnmve ‡Lvjvi mgq wnmveavix Ges wnmve
cwiPvjbvKvix Df‡qi h_vh_ KYC wbwðZ Ki‡Z n‡e| G‡ÿ‡Î QvÎQvÎx‡`i Rb¥wbeÜb mb`, cvm‡cvU©
mvB‡Ri mZ¨vwqZ 2(`yB) Kwc Qwe Ges wkÿv cÖwZôv‡bi cwiPqcÎ/cÖwZôvb KZ…©K cÖ`Ë
cÖZ¨qbcÎ/me©‡kl gv‡mi †eZb iwk‡`i mZ¨vwqZ Abywjwc MÖnb Ki‡Z n‡e| M„nxZ `wjjvw`
eva¨Zvg~jKfv‡ee¨vs‡KmsiÿY Ki‡Zn‡e|
09| my‡`i nvi t D³ wnmv‡ei RgvK…Z UvKvi Dci e¨vs‡Ki wba©vwiZ mÂqx Avgvb‡Zi Rb¨ cÖ‡hvR¨
my` nvi A‡cÿv 1% †ekx nv‡i my`cÖ`vbKivhv‡e|
10| wnmveavixi A‡_©i Drm t wnmv‡e RgvK…Z A‡_©i Dr‡mi AvBbMZ ‰eaZvi wel‡q wbwðZ n‡Z
n‡eGes m¤úvw`Z†jb‡`b †m†cÖwÿ‡Z †hŠw³K n‡Zn‡e|
11| UvKv D‡Ëvjb/wnmve e‡Üi c×wZt
K)wnmv‡ei wecix‡Z†Kvb†PKeB Bmy¨ Kivn‡ebv (bb †PwKs)
L) wnmveavixi(QvÎ-QvÎxi) c‡ÿ wcZv /gvZv A_ev AvBbMZ AwffveK (wcZv/gvZv bv _vK‡j)
wnmveavixi Av‡e`‡bi †cÖwÿ‡Z DB_Wªqvj w¯ø‡ci gva¨‡gwnmve n‡ZUvKvD‡Ëvjb Ki‡Zcvi‡eb|

25. ¯‹zj e¨vswKs (School Banking)
UvKvD‡Ëvjb/wnmvee‡Üic×wZt
M) †Kvb QvÎ-QvÎx †jLvcov eÜ Ki‡j/¯‹zj Z¨vM Ki‡j/10g †kÖYx DËx‡Y©i ci ¯‹zj e¨vswKs wnmv‡ei †Kvb
m~‡hvM myweav †fvM Ki‡Z cvi‡ebv| †m‡ÿ‡Î mswkøó we`¨vj‡hi cÖavb wkÿ‡Ki wbKU n‡Z
mvwU©wd‡KU MÖnY mv‡c‡ÿ wnmveavixi Av‡e`‡bi †cÖwÿ‡Z Zvi wcZv/gvZv A_ev AvBbMZ
AwffveK‡K †c‡g›UfvDPv‡ii gva¨‡gRgvK…ZA_© †diZ †`Iqvhv‡e|
N) wnmveavixi(QvÎ-QvÎxi) AvKw¯§K g„Zy¨ n‡j wnmve wU eÜ e‡j Mb¨ Kiv n‡e| †m‡ÿ‡Î wnmveavixi
wcZvgvZv A_ev AvBbMZ AwffveK wnmv‡ei UvKv cÖvc¨ n‡eb| wnmv‡ei UvKv cwi‡kv‡ai Rb¨
wb¤œwjwLZ KvMR cÎvw` Rgv w`‡Zn‡et
1.wnmv‡ei UvKvD‡Ëvj‡bi Rb¨ Av‡e`b cÎ|
2. wnmveavixi(QvÎ-QvÎxi) g„Zy¨ msµvšÍ mb`cÎ|
3. ¯’vbxq †Pqvig¨vb/IqvW© Kwgkbvi KZ©„K cÖ`ËcÖZ¨qbcÎ|
4. cÖavbwkÿK ev†kÖYx wkÿ‡Ki cÖZ¨qbcÎ|

26. ¯‹zj e¨vswKs (School Banking)
12| GwUGg KvW© t Giƒc wnmv‡ei wecix‡Z GwUGg KvW© (ïaygvÎ †WweU KvW©) Bmy¨ Kiv
hv‡e| GwUGg Kv‡W©i gva¨‡g Ges Point of sales (POS) G gvwmK D‡Ëvjb mxgv n‡e
m‡e©v”P 2000/- UvKv| Z‡e Awffve‡Ki Aby‡iv‡ai †cÖwÿ‡Z G mxgv m‡e©v”P 5000/- UvKvq
ewa©Z Kiv †h‡Z cv‡i| wnmveavixi Awffve‡Ki †gvevB‡j SMS Transection AlertGi e¨e¯’v
_vK‡Z n‡e ( †jb‡`b nIqv gvÎB Awffve‡Ki †gvevBj b¤^‡i †jb‡`‡bi we¯ÍvwiZ GmGgGm AvKv‡i
hv‡e)|
13| mvwf©m PvR©/wd t Giƒc wnmve mg~n n‡Z miKvix wd e¨ZxZ Ab¨ †Kvb cÖKvi mvwf©m
PvR©/ wd KZ©b Kiv hv‡ebv| ¯‹zj e¨vswKs wnmv‡e GwUGg KvW© Bmy¨ Kiv n‡j GwUGg Kvh©
I bevqbwd Gi‡ ÿ‡Î IGKB `„wó‡Kvb†_‡K Zvwe‡ewPZ n‡e|
14| QvÎ-QvÎx‡`i †eZb/wd msMÖn t Gme wnmv‡ei gva¨‡g QvÎ-QvÎx‡`i wkÿv cÖwZôv‡bi gvwmK
†eZb/ wd I Ab¨vb¨ wd msMÖn (wkÿv cÖwZôv‡bi mv‡_ mg‡SvZvi gva¨‡g) Ki‡Z cvi‡e|
cÖwZwU ¯‹zj Gi QvÎ-QvÎxiv hv‡Z e¨vswKs †mevi AvIZvq Av‡m, †m D‡Ï‡k¨ e¨vsK¸‡jv
wkÿvcÖwZôvb ¸‡jv‡K DØy× Ki‡e|

27. ¯‹zj e¨vswKs (School Banking)
15| ¯‹zj e¨vswKs KvD›Uvi/‡W¯‹ ¯’vcb t mswkøó e¨vsK kvLv QvÎ-QvÎx‡`i e¨vswKs
Kvh©µ‡g mnvqZvKi‡Yi j‡ÿ¨ ¯^Zš¿KvD›Uvi †W¯‹ ¯’vcb Ki‡Zcv‡i| Ab¨vb¨ Kv‡Ri
cvkvcvwk GB KvD›Uvi QvÎQvÎx‡`i wnmv‡e Rgv/ D‡Ëvjb mn Ab¨vb¨ †mev cÖ`vb
Ki‡e| GQvovI e¨vsK kvLv wkÿvcÖwZôv‡bi mv‡_ Av‡jvPbvµ‡g gv‡mi GK ev
GKvwaK wbw`©ó w`‡b wkÿvcÖwZôv‡b ey_ Ly‡jI G †mev w`‡Z cvi‡e|
16| e„wË/Dce„wËi A_© Rgv t QvÎ QvÎx‡`i mKj cÖKvi e„wË/Dce„wËi A_© Zv‡`i ¯‹zj
e¨vswKs wnmv‡e Rgv Kiv hv‡e| G‡ÿ‡Î e„wË/Dce„wË cÖ`vbKvix
miKvix/AvavmiKvix/¯^vqZ¡kvwmZ/‡emiKvix ms¯’v¸‡jv‡K mswkøó e¨vs‡Ki
mv‡_ mg‡SvZv Pzw³ Ki‡Z n‡e|

28. 18|Ab¨vb¨t
K) ¯‹zj e¨vswKswnmv‡ei†ÿ‡ÎImswkøóAvBbGes evsjv‡`ke¨vsK KZ©„KRvwiK…ZwewaweavbGes bxwZgvjv
cÖ‡hvR¨n‡e|
L)wnmveavixi eqm18 eQi c~Y©nIqvi mv‡_ mv‡_ wnmveavixi m¤§wZi†cÖwÿ‡ZGiƒcwnmve mvaviY mÂqx
wnmv‡eiƒcvšÍwiZ n‡eGesZv Pvjy _vK‡e|†m‡ÿ‡ÎmswkøóAvBb¸‡jvGes evsjv‡`k KZ…©KRvixK…Zwewaweavb
Ges bxwZgvjvmg~n h_vixwZ cÖ‡hvR¨n‡e|D‡jøL¨mvaviY mÂqx wnmv‡eiƒcvšÍwiZ Kivi †ÿ‡ÎAek¨Bc~Y©v½
KYCm¤úbœKi‡Zn‡eGesTP IAb¨vb¨†NvlbvcÎMÖnY Ki‡Zn‡e|wnmveavixi eqm18eQi c~Y©nIqvi ci mvaviY
mÂqxwnmv‡eiƒcvšÍiKi‡Yi c~e©ch©šÍ Giƒc wnmven‡Z †KvbD‡Ëvjb(wnmve eÜKiY e¨ZxZ) cÖ`vb‡hvM¨
n‡ebv|
M) wnmvewUi †h†KvbkZ©cwieZ©b/cwiea©b/ms‡kvab/evwZjKivi AwaKvie¨vsK KZ…©cÿmsiÿYK‡i|
N)mvaviY mÂqxwnmv‡eiwbqgvbymv‡icÖwZ6 gvmAšÍi D³wnmv‡emy`cÖ`vbKi‡Zn‡e|
O)wbqgvbyhvqxe¨v‡jwÝsKi‡Z n‡e|
P) D³wnmv‡ei Rb¨Avjv`vfv‡e Avgvb‡Zi †jRvie¨envi Ki‡Zn‡eGes †jRv‡ieoK‡iÒ÷z‡W›U†mwfsmGKvD›UÓ
wjL‡Zn‡e|

29. Steps to open a Customer Information File(CIF):

30. Steps to open a Customer Information File(CIF):

31. Steps to open a Customer Information File(CIF):

32. Steps to open a Customer Information File(CIF):

33. Steps to open a Customer Information File(CIF):

34. Steps to open a Customer Information File(CIF):

35. Steps to open a Customer Information File(CIF):

36. Steps to open a Customer Information File(CIF):

37. Steps to open a Savings Account:

38. Steps to open a Savings Account:

39. Steps to open a Savings Account:

40. Steps to open a Savings Account:

41. Steps to open a Savings Account:

42. mKj‡Kab¨ev`