Changing Customer ID of a Customer (CCA) in Finacle

We have already discussed creation of Customer _ID in Finacle by using CUMM Menu. lets discuss how you can change the customer ID of a Customer if customer has multiple Customer ID in multiple accounts as  during  migration,  system  allots  different  cust_ids  to  different  accounts  of  the same customer. Post migration, it may be necessary to change customer id of such accounts to make it accounts of single cut_id.

Menu option – CCA (Change Customer Id of Account)

Following Screen shows various field in this menu option.

1.  Function – M (Modify)
2.  A/c No. – Enter Account number of which cust_id need to be changed.
Press  F4.  System  will  display  the  cust_id  of  the  account  entered,  with
cursor blinking in cust_id field.
3.  Customer id – Change the customer id. Press F10 to commit.

Change in cust_id using this menu option need to be verified by other authorised
user through same menu option i.e. CCA.

Opening of SB and Current Account in Finacle through OAAC Menu

Dear readers,  we have already covered the topics on Customer ID creation in detail , accordingly we are presenting the process of account opening specially Savings and Current Accounts. 

To open any customer account in Finacle, customer has to have a cust ID (menu option  CUMM).  All  types  of  accounts  can  be  opened  through  the  one  menu option i.e. OAAC. Opening of new account needs verification, which can be done through OAACAU.

Mandatory options in OAAC – G (General Details) & S (Scheme Details) 
Optional options in OAAC – N (Nomination Details), A (Related Party Details) – for joint A/c holders’ details etc.


Menu option – OAAC

1.  Function – O (Open).

• Customer ID – Enter cust id. If the short name of customer is known, type it and press F2. Select customer from the list by pressing Shift+F4.
• Currency  –  Default  INR  (Indian  Repees)  is  displayed.  The  system  willallow to open an account in currency which have been added in customer ID (option E-Customer Currency Details).
• Scheme Code – type SB and press F2. In the list, first all scheme codes under ‘Inoperative’  GL  subhead  will  be  listed.  Press  Control+D  (page down)  and  select  scheme  code  under  ‘Saving ’  GL  subhead ( as defined by your Bank) ,  by pressing Shift+F4.
•  GL Subhead – system displays the GL subhead automatically.
•  Permanent A/c No. – Nothing to be entered.
•  Copy A/c No. – Nothing to be entered.

Press F4. Account Opening form will be displayed as shown below.

• Acct Name : System will automatically display the name of the customer entered in Cust-ID record. System allows changing the name, but system will raise related exception after committing the verification of account. If the  user  who  is  verifying  the  account  has  sufficient  work  class,  he  can override the exception by pressing F4 and verify the account
• Acct Short Name – This will be automatically displayed from Cust-ID. User can change the short name.
• A/c open Date – BOD date is displayed. User can change the date.
• Special  Charge  Code  –  This  field  is  used  to  give  preferential  charges. Press F2 to see the list. Press Shift+F4 to select respective charge code.
• Mode  of  Operation  (Mandatory)  –  Press  F2  and  select  it  by  pressing Shift+F4.
• Location Code – Enter the population group/ area  to which customer belongs
• e.g Metro, Urban etc as defined by your Bank . Press F2 and select it by pressing Shift+F4.
• Account Mgr. – User ID of Bank employee who is attached to this account as relationship  manager  can  be  entered.  Only  employee  Ids  which  are available in the list can be selected. Press F2 and select it by pressing Shift+F4.
• Cash Exception Limit Dr. -   Default values is 99999999999999.99. E.g. i .e user wishes that system should raise an exception if user tries to debit this account equal or above Rs.100000/- by cash, the user can enter 100000 in this field.
• Cash Exception Limit Cr. - Default values is 99999999999999.99. E.g. if user wishes that system should raise an exception if user tries to credit this account equal or above Rs.100000/- by cash, he can enter 100000 in this field.
• Clg. Exception Limit Dr. – Applicable for Debiting acount in clearing.
• Clg. Exception Limit Cr. – Applicable for Crediting  acount clearing.
• Xfer Exception Limit Dr. – Applicable for transfer.
• Xfer  Exception  Limit  Cr.  –  Applicable  for  transfer. If  the  limits  as mentioned in point 15 to 20 are changed by the user, system will raise exception ‘Override Default Check’ when the user commit verification of account; if the verifying official has sufficient work class he can override the exception by pressing F4 key and authorize the account verification.
• Remarks – free text field.
• A/c Report Code – Default is ZERO.
• Ledger no. – may not be necessarily filled.
• Collect Charges – Default is Y. This means, system will collect account maintenance charges ( for example minimum balance charges etc)  as and when they are due.
• Turnover  Details-  Default  is  N.  May  be  kept  as  it  is.  This  field  is  Y,  if customer wishes to have account turnover details.
• Relative to Staff – Default is N.
• Relative Staff ID – If above field is set to Y, Staff Id in this field need to be entered. The employee having the staff id entered in this field is barred from entering any transaction in this account.

Press F6 to go to Next Page.

• Passbook/Statement  –  Valid  values  are  P-Passbook,  S-Statement,  R-Deposit Receipt, B-Both P & S, N-None.
• Statement  –  If  ‘Passbook/Statement’  field  is  set  to  S  (Statement)  or  B (Both P&S), frequency for statement must be entered. There are five fields in statement frequency.
• Field  1: 

         D  –  Daily,  W  –  Weekly,  M  –  Monthly,  F  –  Fortnightly,  Q  - Quarterly  H – Half   

         yearly, Y – Yearly

• Field 2: 

        1 - First, 2 - Second, 3 - Third, 4 - Fourth week, M - Mid week L – Last Week

• Field 3: 1-Sunday, 2- Monday… 7- Saturday & 8 - No weekly of
• Field 4: Date of issue - 1 to 31
• Field 5: For Holiday N – Next, P – Previous, S – Skip 

        Fields 2 & 3 are not required if frequency (field 1) is monthly, quarterly, half yearly 

        and  yearly . Fields 2 ,3 & 4 are not required if frequency (field 1) is daily and 

        fortnightly Fields 2 & 4 are not required if frequency (field 1) is weekly

• Local Calendar – Default N. Not to be changed.
• Dispatch Mode – Press F1 for help. Fill appropriate value as per the codes
• defined in help.
• Next Print Date – Enter date on which next statement will be printed.
• Download to PBF – Default value is N. PBF stands for Positive Balance File, which required for handling offline transactions.
• Pay Interest – Default Y, means interest will be paid for this account.
• Collect  Interest  –  Default  Y,  means  interest  will  be  collected  from  this SF/CA account, if TOD is granted.
• Customer Pref. Interest (Cr.) – We have already seen this field in currencym details  (option  E)  in  CUMM.  Generally,  in  OAAC  we  should  not  fill  any value in this field.
• Customer Pref. Interest (Dr.) – We have already seen this field in currency details  (option  E)  in  CUMM.  Generally,  in  OAAC  we  should  not  fill  any value in this field.
• Account Pref. Interest (Cr) – If user wishes to give any preferential interest in this account, over and above prevailing interest (explained in point 42) . User can enter negative value if user wishes to pay less interest.  User should select SB Staff scheme code while opening staff’s SB A/c.
• Account  Pref.  Interest  (Dr)  –  If  user  wishes  to  charge  any  preferential interest from this account, over and above prevailing interest. User can enter negative value if user wishes to charge less interest.
• Interest Cr A/c flag (Mandatory)– Default is S. Valid values are S-Original A/c, O-Operative A/c and T-Payment System. In most of the cases in SB A/cs, it will be S which means whenever system wants to pay interest in this account, it will credit it to this account only.
• Interest Dr A/c flag (Mandatory)– Same as above field.
• Int Rate Code – This code stores  interest  rate  applicable  for  general  public’s  SB  A/c.  Changes  in interest rates will be done by Data Centre. For staff A/c, this code will be automatically picked up by the system when the scheme  code  is  selected  for  staff  members.  If  the  interest  rate code or preferential interest in Dr/Cr are changed by the user, the system shall raise exception ‘Default Interest Parameter Change’ while committing the account verification; if the verifying user has sufficient work class, he can press F4 to accept the exception and verify the account.
• Account Pegged – Default is N, means system will pay prevailing rate of interest as and when they are updated by Data Centre. This field will be Y in case of FD’s in which system will pay interest at contracted rate given while opening an FD a/c.
• Pegging  Review  date  –  Enter  the  date  on  which  the  pegging  for  the account is to be reviewed. May not be required to change.
• Pegging Frequency (Months/days) – Enter months and days. May not be required for SB A/c. User can press F4 to go to the Enter Option field or Press F6 to go to Next Page.

• Contact phone – enter contact phone no.
• Allow Sweeps - Enter Y if the sweep is allowed between accounts. 

          Interest Calc. Freq Cr and next three fields may not be entered.

• Daily Compounding Interest – Default N.
• Tax (TDS) details may not be required to be entered for SB A/c.
• Press F4 to go to Enter option field.

Scheme Details (S):

• Enter Option – Press F2, select S –Scheme Details option (5th from top)by pressing Shift+F4. Press F4 to get into scheme details. User can type S instead of pressing F2.
•  Availing Nomination facility – default is N. Please make it Y if customer wishes to avail nomination facility in this account. After making the flag as Y, press F4 to go to Enter Option field. Other fields may not be entered, but these have been explained as below.
•  Cheque  Allowed  –  Default  value  is  Y,  which  means  cheque  facility  is allowed for this account.
• Charge  for  Cheque  –  Default  value  is  Y,  which  means  cheque  book charges to be levied.
•  Return Paid Cheques – May be kept blank.If cheques are tobe returned to the customer once they are paid, this value need to be filled in as Y.
•  Paid Cheque Return – May be kept blank. Specify the frequency at which paid cheques would be returned the customer.
•  A/c Health Code – Press F2 and select value from the list by pressing Shift+F4.
•  Dr. Balance Limit – The maximum debit allowed in this account. Generally 0 (zero) in Staff SB/CA type of A/cs.
•  Max. Allowed Limit – The ceiling limit on the sanctions for this account. May be kept  0 (zero) for SB/CA accounts.
•  Debt. Acknowledgment Date – May be kept blank in Staff SB/CA type of A/cs.

For Transferred in A/c

User can enter the details for SB/CA accounts transferred from other branches

as follows-

• Interest Amount – Enter the pending Interest amount.
• Dr/Cr. – Enter C if the transfer interest amount is Credit, else enter D for Debit.
• Minimum  Balance  –  Enter  the  minimum  balance  during  the  month  of transfer which needs to be considered during next interest calculation. A/c  Balance  (0.00),  Created  By,  Created  On,  Deleted  (N)  are  display fields. These fields will be updated  by the system automatically as and when operations take place in the a/c.
• Press F4 to go to Enter Option field.

Nomination Details (N)–

Enter Option - Press F2, select N – Nomination details option (3rd from 

top) by pressing Shift+F4. Press F4 to get into nomination details. User 

can type N instead of pressing F2.

• Enter Nominee name (Mandatory)
• Relationship  (Mandatory)–  e.g.  Father,  Mother  etc.  Press  F2,  select 
  relationship by pressing Shift+F4.
• Reg. No. – Registration number for nominee is default generated by the 
  system.
• Please enter Address. (Mandatory) Two lines are available for address.
• City (Mandatory)– Type first 2-3 characters of city name press F2, select 
  city code from the list by pressing Shift+F4.
• State (Mandatory)- press F2, select state by pressing Shift+F4. Country i 
  default IN (India).
• Country (Mandatory) – Default is IN (India). Need not be changed. If user 
  wishes to change, press F2 and select country by pressing Shift+F4.
• Postal Code (Mandatory)- Enter Pin/Postal Code.
• Nominee Minor – Enter Y if nominee is minor.
• Date of Birth – if nominee is minor, date of birth of minor must be entered.
  Enter guardian’s details as specified in this page.

         Press F4 to go to Enter option field

Joint A/C Holders’ Details (A) –

Enter Option - Press F2, select A – Related Party details option (1st from top) by pressing Shift+F4. Press F4 to get into option details.

The  first  screen  displays  the  Main  Account  Holder’s  Details.  To  enter  joint

account holders’ details, press Down Arrow of keyboard.

• Relation Type (Mandatory) – Press F1 for help. The help displays variousvalues for relation codes. P (Power of Attorney), A (Authorised Signatory), L (letter of Authority), J (Joint Holder), G (Guarantor) etc. Press Enter on OK button or click mouse on it. Enter the value in this field.
• Relation Code – Press F2 and select the code from the list by pressing Shift+F4.
• Despatch Mode – If the account is enabled for statement, system gives user the option to send the statement to related parties added through this option. Press F1 for help. Enter the despatch mode in this field.
• Designation  Code  –  Press  F2  for  list  and  select  the  code  by  pressing Shift+F4.
• Customer ID – If the related party (joint A/c holder) has a valid cust_id code,  enter  the  same  here.  In  that  case  other  details  of  the  party  like address need not be entered.
• Name (Mandatory) – Enter name of the related party. This field need not be field if party’s cust_id is entered. If the cust_id of related party is not entered, Address, City, State, Country, Postal Code etc. of the related party need to be filled in If user wishes to enter one more related party details, press Down Arrow and follow the steps as described.

       Press F4 to go to Enter option field. Press F10 to commit. System will display     

       14/15/16 account number according to Banks. Sometimes user may not get last digit 

       of account on the screen. Please note it, as it needs verification.

Verification of  newly opened account

•  The person who has opened the account through OAAC can not verify theaccount; as Maker and Checker concept is applicable in Finacle, therefore maker can not be the verifier.
• During verification of account, no details can be changed, as all the fieldsare write protected.
• To  modify  account  details  of  newly  opened  account,  use  menu  option OAACAU – function M (Modify).

Menu option – OAACAU

• Function – V.
• Temporary A/c No. – Enter the A/C No which is to be verified. User need not enter all 14/115/16 digits of account; user can enter short account no. of the account to be verified. If user forgot to note account no. after committing OAAC, user can retrieve it by pressing F2 in this field; select the account to be verified by pressing Shift+F4.
• Permanent  A/c  No.  –  must  not  be  entered.  Press  F4  to  bring  account details. User will see General Details of account. Press F11 (Or click on Transmit button) twice to visit next page. When the user is in 3rd page, press F4 to go to Enter option field.

Options to Visit : 

• Enter Option – type S and press F4 to visit scheme details. Press F4 to come back to Enter option field..
• Enter Option – If the user has entered nomination details for this account, the user should visit it. Type N and press F4 to visit nomination details. Press F4 to come back to Enter option field.
• Enter option – If the user has entered related party details like joint a/c details or authorised signatory etc, the user should visit the same. Type A and press F4 to visit Related Party Details. Press Up/Down arrow to scroll through the records. Press F4 to come back to Enter option field.

Press F10 to commit.

Summary of Options to Visit in CUMM & OAAC : 

	Add	Verify	Inquiry	Modify	Verify
CUSTOMER MASTER	CUMM	CUMM	CUMM	CUMM	CUMM
Function	A	V	I	M	V
Screens to be filled	G, E
Minor	M
NRI	N
Trade Finance Customer	T
ACCOUNT MASTER	OAAC	OAACAU	ACM	ACM	ACM
Function	O	V	I	M	V
Screens to be filled	G, S
Nomination	N
Joint Account	A

It is needless to say that your feedback are always welcome and do drop our feedback on this topic.