---In [email protected], <nesare1@...> wrote :
Saya sudah bilang bung ini kebaekan.
Orang2 seperti ini perlu dihajar supaya rendah diri dan ngerti etika serta
moral.
Dia menganggap dirinya seorang democrat. Ciri yg membedakan seorang democrat
dan republiken diUSA itu salah satunya adalah orang democrat itu mempersoalkan
etika dan moral. Kalau orang republiken gak pusing masalah moral dan etika ini,
yg penting hasil akhir: menang.
Diseluruh dunia setiap transaksi perbankan akan selalu melalui screening
process yg lazim disebut clearing. Ada clearing house diseluruh dunia. Ini
prinsip dasar dan arti dari prudential di dunia perbankan.
Sejalan dgn perkembangan teknologi computer yg mempercepat proses screening
ini seperti online payment, bukan berarti tidak ada proses screening.
Dibelakang meja bagian IT kerjanya luar biasa dalam proses screening ini. Dan
rekonsiliasi antar bank selalu terjadi setiap saat. Tadinya secara konvensional
ada orang bank pergi keclearing house yg biasanya dibank sentral suatu negara.
Setelah diverifikasi oleh orang bank, cek baru bisa diuangkan. Sekarang jaman
teknologi dimana online banking begitu cepat shg memungkinkan screening terjadi
setiap saat dalam hitungan detik.
Akhir kata: si GOBLOK itu ngeyel. Dia sudah tahu dia salah, tetapi dia seperti
biasa gak pernah mengakui kesalahannya.
Jadi selain GOBLOK, si GOBLOK itu juga sombong dan tidak bermartabat. Ini yg
saya hajar biar dia sadar. Sayangnya kesadarannya memang lambat dan atau
mungkin sudah tidak mungkin krn sifatnya yg jelek itu. Saya masih bersyukur
bahwa dia sudah gak begitu berani lagi petentang petentent dimilis ini krn saya
telanjangi terus kesalahan2nya yg sok itu.
Nesare
From: [email protected] <[email protected]>
Sent: Thursday, February 7, 2019 2:31 PM
To: Gelora45 <[email protected]>
Subject: Re: [GELORA45] Re: Eka Tjipta
Movement of a check from the bank in which it was deposited to the bank on
which it was drawn, and the movement of its face amount in the opposite
direction. This process (called 'clearing cycle') normally results in a credit
to the account at the bank of deposit, and an equivalent debit to the account
at the bank on which it was drawn. Also called clearing.
Read more: http://www.businessdictionary.com/definition/check-clearing.html
http://www.businessdictionary.com/definition/check-clearing.html
https://en.wikipedia.org/wiki/File:CanadianChequeSamplePAR.png
Cheque https://en.wikipedia.org/wiki/Cheque sample for a fictional bank in
Canada showing the MICR encoding used during clearing to route the cheque to
the appropriate bank
Cheque clearing (or check clearing in American English
https://en.wikipedia.org/wiki/American_and_British_English_spelling_differences)
or bank clearance is the process of moving cash (or its equivalent) from the
bank https://en.wikipedia.org/wiki/Bank on which a cheque
https://en.wikipedia.org/wiki/Cheque is drawn to the bank in which it was
deposited, usually accompanied by the movement of the cheque to the paying
bank, either in the traditional physical paper form or digitally under a cheque
truncation https://en.wikipedia.org/wiki/Cheque_truncation system. This process
is called the clearing cycle https://en.wikipedia.org/wiki/Clearing_(finance)
and normally results in a credit to the account at the bank of deposit, and an
equivalent debit to the account at the bank on which it was drawn, with a
corresponding adjustment of accounts of the banks themselves. If there are not
enough funds in the account when the cheque arrived at the issuing bank, the
cheque would be returned as a dishonoured cheque marked as non-sufficient funds
https://en.wikipedia.org/wiki/Non-sufficient_funds.[1]
https://en.wikipedia.org/wiki/Cheque_clearing#cite_note-dishonour-1
https://en.wikipedia.org/wiki/Cheque_clearing
https://en.wikipedia.org/wiki/Cheque_clearing
How Checks Clear: When Money Moves (and Doesn't) What Happens When You Write
(or Deposit) a Check? Share Pin Email
•••
BY JUSTIN PRITCHARD https://www.thebalance.com/justin-pritchard-314987
Updated January 20, 2019
Check clearing is the process of moving money to complete a payment made by
check. The process can take several days, or it may be almost instant,
depending on how the recipient handles the payment.
Moving funds between banks: In most cases, the recipient (or payee) submits
the check to their bank, and the bank collects funds from the check writer’s
bank.
That process often takes two to three business days, but it can take
longer—especially for international payments and other unusual circumstances.
Intermediaries like correspondent banks and the Federal Reserve
https://www.thebalance.com/what-is-the-central-bank-315194 often help with
these transactions.
Internal payments and check cashing: Funds sometimes move quickly. For
example, if the check writer and the payee both use the same bank, internal
transfers are faster. Likewise, if you cash a check at the check writer’s bank,
the funds come out of that account immediately.
When all goes well, the process is smooth. But depending on your perspective,
the timing can be a problem:
If you received the check, you’re probably in a hurry for it to clear. If you
wrote the check, you might be hoping for a few extra days to get money into
your account.
Logistically, the receiving bank or credit union (where the payee deposits or
cashes the check) sends the check to the bank that the funds are drawn on, or
to a clearinghouse. Banks originally sent physical checks to each other, but
they increasingly use images of checks for improved efficiency. Assuming funds
are available and there is no problem with the check, the paying bank transfers
money to the receiving bank.
Checks You Write How long does it take a check to clear after you write it? It
depends on several factors. In most cases, checks hit your account two to three
days after the payee receives your payment. Until the check clears, it is
essentially just an IOU—a promise to pay, which you might not fulfill. But the
clearing timeline is compressing since the Check 21 Act, which enables banks to
handle a greater number of checks electronically, took effect in October 2004.
Consider the money spent: When you write a check, act as if the money is no
longer in your account. In the past, people did this by recording every
transaction in check registers
https://www.thebalance.com/use-check-registers-315289. Balancing your checking
accounts (whether on paper or electronically) is still a good practice
https://www.thebalance.com/balance-your-bank-account-templates-forms-and-tips-315464.
Float time: You might be accustomed to waiting several days (or longer) to see
money to actually leave your account. During that time, the check is called
"outstanding," https://www.thebalance.com/outstanding-checks-315275 and you
could potentially spend the money on something else. But you'd be spending that
money twice, committing fraud, and setting yourself up for overdraft fees.
Using the same funds twice while waiting for a check to clear is called "taking
advantage of the float, https://www.thebalance.com/floating-checks-315303"; and
it can lead to numerous problems
https://www.thebalance.com/you-bounced-a-check-what-happens-now-315337.
How long do you have? It is technically illegal to write a check that you know
can’t clear, so only write checks when you have funds available
https://www.thebalance.com/funds-available-315426. In practice, you may
actually have a few days. Processing times may depend on whether you mail the
check or hand it to a cashier at a major retailer. Checkout registers often
come equipped with check scanners that instantly convert your paper check into
an electronic check https://www.thebalance.com/electronic-checks-315297—and you
can be sure that the check will be sent to your bank as quickly as possible
(perhaps even that same day).
It depends on the payee: Even if you hand the check to an individual (such as
a friend you're repaying or a plumber who works on your home), that person
might use a mobile device to deposit the check
https://www.thebalance.com/how-can-i-make-mobile-check-deposits-315427. They
might even take it to your bank and cash the check so that it clears instantly.
Alternatively, the individual or business might let the check gather dust for a
few weeks before taking it to the bank for deposit. Unfortunately, there's no
way to know for sure.
As a rule of thumb, assume that funds leave your account about two days after
you pay by check, but that timeframe can easily change.
Using Checks You Receive If you receive a payment by check, you're probably
antsy to use the money: You might need it for expenses, or you might have
doubts about whether or not the check will bounce. So how long do you have to
wait for the check to clear?
“Available” does not mean cleared: When somebody writes you a check, it has
"cleared" when the check writer’s bank transfers money to your bank and you can
spend the funds. However, it's not always clear if or when the money arrives
(or not). Your bank often allows you to spend money from deposited checks—and
even withdraw cash—before a check clears.
The risk is yours:
You're responsible for any checks you deposit, so you'll have to repay any
funds you use if the check bounces after you've taken the money. Federal law
(Regulation CC) requires that banks make at least part of your deposit
available https://www.thebalance.com/funds-availability-315448 to you within a
few days. For many items, like personal checks, the first $200 is available
within one business day (if not immediately), and the remainder becomes
available a few days later. Banks make larger amounts available for other
items, such as government-issued checks, cashier's checks, and USPS money
orders.
Your bank can be more liberal than the law requires: The bank may simply
assume that every check is good and allow you to withdraw the full amount
immediately. Convenient, right? But if that check bounces
https://www.thebalance.com/returned-checks-overview-315276, you’ve got trouble.
The bank will debit your account to take the money back, and that can lead to
serious problems.
How long should you wait before assuming a check has cleared? It’s wise to be
conservative about checks you're unsure of. With checks written from major
banks, you'll often (but not always) find out within a few days if there's a
problem. When checks come from overseas accounts, things can take much longer.
Your best bet is to contact your bank and get a firm answer on the status of
the check. Explain your concerns, and ask whether or not you're taking any risk
if you spend the money.
For more details, see How Long to Wait After Depositing a Check
https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006.
For fastest service: To make funds available as quickly as possible, deposit
checks as soon as possible. Use remote check deposit when available, and
deposit checks early in the day to qualify for that day's cut-off time. Your
bank often places a hold on deposits for five days or so, but in many cases,
the funds become available more quickly.
If that's not fast enough, try asking customer service or a manager if there's
any way to free up some of those funds
https://www.thebalance.com/checking-account-hold-315305 (this might work if
you're an established customer with no history of bad checks in the account).
Dangers of "Cleared" Checks If you have any doubt about a "cleared" check,
don’t spend the money until you’re satisfied that your bank successfully
collected the money it needs. Waiting is inconvenient, but dealing with a
negative account balance isn't much fun either.
Assuming that a check has cleared is dangerous. Sometimes an honest mistake
causes problems, and sometimes con artists take advantage of misunderstandings
about how checks clear. A common scam involves paying somebody with a check
(especially a fake cashier's check
https://www.thebalance.com/cashier-s-check-fraud-315795 or money order
https://www.thebalance.com/money-order-scams-315055), but paying too much.
Next, the con artist asks the victim to return the overpayment amount or
forward the money to a “shipper.” The victim sends money that doesn’t exist,
and eventually, the bank finds out the check was bad.
Unfortunately, banks don’t protect consumers in this situation—the victim is
responsible for any losses and will need to repay the bank.
https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006
https://www.thebalance.com/how-long-to-wait-after-depositing-a-check-315006
Pada tanggal Kam, 7 Feb 2019 pukul 18.19 'nesare' nesare1@...
mailto:nesare1@... [GELORA45] <[email protected]
mailto:[email protected]> menulis:
Gobloknya dimana?
Ane ingetin ya, dithread ini ane lagi nyalahin ente yg bilang cek itu bisa
langsung diuangkan dan tidak melalui clearing.
Ini salah besar. Ini omongan orang yg gak ngerti dan sok tahu.
Semua transaksi cek akan lewat clearing! Ini berlaku diseluruh dunia.
Kalau ente bilang ada cek yg bisa langsung diuangkan krn tdk lewat clearing
house. Ini artinya banknya engkong ente!
Hehehehe
Nesare
From: [email protected] mailto:[email protected]
<[email protected] mailto:[email protected]>
Sent: Thursday, February 7, 2019 12:06 PM
To: Yahoogroups <[email protected] mailto:[email protected]>
Subject: RE: [GELORA45] Re: Eka Tjipta [1 Attachment]
---In [email protected] mailto:[email protected], <nesare1@...
mailto:nesare1@...> wrote :
Nah sekarang ente bilang ane = demons of stupidity.
Tadinya ente yg bilang YOU = STUPIDIDY alias GOBLOK.
Diskusi dan debatnya gak ada. Argumennya gak ada.
Kan memang ente ini jagonya nyinyir. Setelah dikomentari, kabur tunggang
langgang dan dijawab dgn meme meme anak kecil dan penuh umpatan kosong!
Aneh aneh saja ente ini.
Hehehehe
Nesare
