Ngeyel apa bung Chan ini cuman pengetahuan umum dan kenyataan
saja tdk ada yg perlu didiskusikan, kalau tdk tahu dikasih tahu
sekali ya cukup. Mau bukti ya gampang saja kalau anda ke
Indonesia minta saja dari teman atau saudara dibukakan cek
katakanlah dari BCA Rp 1 juta, terus pergi ke BCA uangkan cek itu
pasti bisa kalau ada dananya.
Dan anda sebagai moderator bung Chan tidakkah anda lihat setiap
kali posting selalu goblok2 lha apa perlu diladeni, orang goblok2
ya dibales goblok juga apa lagi????????? Sebaiknya anda jangan
berat sebelah tetapi telusuri betul2 itu baru namanya moderator.
Pahamkah anda dalam hal ini??????
On Tuesday, February 12, 2019, 7:33:37 PM PST, ChanCT <sadar@...>
<mailto:sadar@...> wrote:
Agar DISKUSI di GELORA45 bisa berlangsung sehat dan TIDAK
mengganggu banyak pembaca dengan eyel-eyelan ataupun saling
menggeloblok-goblokkan yg tidak ada gunanya itu, perkenankanlah
saya mengusulkan UTAMAKAN-lah ajukan ARGUMENTASI atau berhenti
ngeyel dan dengan jantan akui kesalahan!
Bagi saya yg awam soal perbankan, ... jarang-jarang terima chek
apalagi giro, tapi yang saya tahu di HK, ... chek hanya bisa
masuk ke account bank kita dan baru bisa diuangkan keesokan hari
kerja, ... kecuali besaran duit di chek itu tidak lebih dari
simpanan duit kita dibank itu. Jadi, memang yang saya tahu chek
tidak bisa diganti duit langsung begitu saja, bersyarat dan hanya
di bank bersangkutan. Sedang di bank berbeda harus masuk ke
account kita dulu, ...
Nah, bagi Jonathan yag menyatakan sekarang chek bisa diuitkan
langsung, tanpa melalui clearing house dulu, ... sebaiknya bisa
buktikan dengan data, ...! TIDAK ngeyel terus.
Salam-diskusi,
ChanCT
Sunny ambon ilmesengero@... <mailto:ilmesengero@...> [GELORA45] 於
13/2/2019 1:14 寫道:
*Mengatakan orang goblok, tolol adalah menghina!*
On Tue, Feb 12, 2019 at 6:09 PM 'nesare' nesare1@...
<mailto:nesare1@...> [GELORA45] <[email protected]
<mailto:[email protected]>> wrote:
Heran rajin sekali meme memean begini, sedangkan argumennya
gak ada!
bukan GOBLOK dan merasa sbg orang pinter?!
Nesare
*From:* [email protected]
<mailto:[email protected]> <[email protected]
<mailto:[email protected]>>
*Sent:* Sunday, February 10, 2019 4:35 PM
*To:* [email protected] <mailto:[email protected]>
*Subject:* RE: [GELORA45] Re: Eka Tjipta
---In [email protected]
<mailto:[email protected]>, <nesare1@...
<mailto:nesare1@...>> wrote :
GOBLOK GOBLOK dasar GOBLOK!!!!
Sudah dikasih referensi yg begitu sederhana masih kagak
ngerti!!!!
Kalau bukan GOBLOK apalagi????!!!!
Sekarang bilang:” Giro hanya melalui kliring, sedang cek
selain bisa kliring juga bisa diuangkan langsung di bank yg
mengeluarkan cek.”
Gimana caranya cek dibawa ke bank langsung dapet uang kas?!!!
Pernah ente lakukan?
Ini skenarionya ane kasih 2 aja:
1. Ente bawa cek ente ke bank, lalu langsung dikasih uang
kas ya? Teller nya gak babibu langsung kasih kas ya?
Kenapa ente gak pergi ke ATM saja instead of bawa cek
utk diuangkan ke bank ente? Kalau ente gak ada uang di
bank ente, emangnya ente langsung dikasih duit kas?
2. Ente bawa cek orang lain yg bayar utang sama ente ke
bank ente utk diuangkan. Ini langsung dikasih uang kan
menurut ente? Kenapa dikasih uang langsung kalau pemilik
cek gak ada uang? Banknya goblok ya? Wong diskenario 1
saja kalau ente gak ada uang dibank ente, ente gak akan
bisa ambil uang. Ini menurut ane yg gak pernah tahu cara
kerja bank dinegara ente loh. Moso segitu gobloknya
orang2 bank dinegara ente? Terus gimana logikanya ada
orang yg check cashing itu ya? Ngapain orang2 bawa cek
sendiri ke perusahaan check cashing utk menguangkan cek
nya? Ini cek sendiri loh! Apalagi ceknya milik orang
lain!!!!!
GOBLOK dipelihara!!!!
Nesare
*From:* [email protected]
<mailto:[email protected]> <[email protected]
<mailto:[email protected]>>
*Sent:* Thursday, February 7, 2019 2:50 PM
*To:* Yahoogroups <[email protected]
<mailto:[email protected]>>
*Subject:* Re: [GELORA45] Re: Eka Tjipta
Bung Djie, di Indonesia dibedakan antara Cek dan Giro. Giro
hanya melalui kliring, sedang cek selain bisa kliring juga
bisa diuangkan langsung di bank yg mengeluarkan cek.
Pengusaha di Indonesia pada umumnya mengeluarkan giro karena
selain lebih aman juga tanggalnya bisa dimundurkan.
---In [email protected]
<mailto:[email protected]>, <djiekh@....
<mailto:djiekh@...>> wrote :
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
<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
How Checks Clear: When Money Moves (and Doesn't)
What Happens When You Write (or Deposit) a Check?
·Share
·Pin
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*•••*
*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
(Message over 64 KB, truncated)
