Ngaco! si ko Chan sama Nesare yang ngaco,
Cek ya bisa diuangkan langsung baik di Indo maupun di USA . Masa
orang bawa cek datang ke bank disuruh datang lagi besoknya?
konyol banget.
kecuali duit si pembuka cek tsb, kurang, ya ditolak.
kalo bilyet giro ya iya, ga bisa diuangkan, hanya bisa uangnya
masuk ke account bank kita.
saya sebetulnya ga mau ikut2an tapi karena si ko Chan turun
gunung lalu ngaco, jadi gatal mau ikutan juga,
ga tau kalo aturan sekarang dirubah di indo tapi rasanya ga masuk
akal ga bisa diuangkan langsung,
---In [email protected] <mailto:[email protected]>,
<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
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Signing a Check
*•••*
*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:*
(Message over 64 KB, truncated)
