Mega Process: Core Business

Major Process: Branch Banking Operations

Sub-process: Deposit Generation, Maintenance and Servicing
Activity: Deposit
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Source Input Process Output Customer Risk Control
Cash Deposit
Teller Cash, DS and Receives cash, DS and passbook from client Cash OS
Passbook (if
applicable)
Valid ID of Checks completeness of data on DS Validated DS Doubtful bills -Checks genuineness
representative • Name and account number of depositor of bills received using
(for IB deposits • Date on slip is current money detector.
only) • Breakdown/denomination of cash -Application of
• Alterations signed in full by the depositor or Counterfeit Detection
his authorized representative Guidelines
• If the amount of deposit is 500,000 and Deposit shortage/overage -Piece count cash
above, seek approval from OS/BH before against DS
posting -Piece count using bill
counter
Counts cash based on breakdown in DS

Verifies if all cash received are genuine

If in order, keeps cash inside the drawer
Validates DS/passbook using Teller's CT and Misposting of transaction -Check entries on CT
sign the validation /unsuccessfully posted and FIAS
transaction -Sight verification every
In case of interrupted transactions due to after validation
offline/ power failure/printer error: -Sight verification and
a) verify using Last Transaction Inquiry callback by OS
(712) or Transaction History (713)
b) if transaction does not appear in 712
or 713, further verify using FIAS via
STI2/IMI2/STI3/IMI3
c) If successfully posted write the
validation entries on the slip exactly
as it appears and signs the same

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 d) If proven not posted successfully,
validate again the deposit
Sight verifies DS and passbook if entries are
correct and affix signature on the slip and
passbook entries

In case of erroneous posting, the same shall

be corrected as follows:
a) by the Teller who posted the original
transaction and overridden by the OS
who shall affix signature on the
reversal
b) using the same Teller’s terminal
where the transaction was originally
entered
c) on the same day the transaction was
made.
Deposit slip In case of cancellation: Cancelled OS/Branch
a) Teller shall stamp original deposit slip Head
transaction document
“CANCELLED”
b) OS shall approve cancellation on the
cancelled DS or Official Receipt and
override the transaction in the CT Cash Client
c) Client shall acknowledge receipt of
cash returned on the cancelled
DS/OR Reversal
d) OS or designated personnel Report for Regional Head
prepares the report on reversal for the day
the day attached the documents of
reversal made and submit to
Regional Head the same banking
day. The report shall contain the
nature of the reversed transaction,
name of client, the reason, the
corresponding amount and
responsible person
Gives passbook to client Passbook Client
Procedure for IB Cash/Check Deposit

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Teller forwards DS to OS/OA for confirmation to DS (500t and OS/BH
mother branch above)

OS/OA DS (500t and Email via scanner DS to mother branch to confirmed -confirms deposit to
above) confirm source of deposit based on the deposit mother branch as to
depositor's CIS Money Laundering source of income
before posting to CT

Approves DS approved DS Teller

Forward DS to teller
Teller DS If deposit is made through representative, valid
ID shall be required to be presented.
Teller approved DS Validates DS/passbook using Tellers CT and Validated
collection of applicable service charges as approved DS
follows:

P10,000.00 and below = P50.00 SVC

Above P10,000.00 = P100.00
Confirmation fee for 500,000&above=150.00

Issue OR on confirmation fee and validate to

CT and signs the same.

In case of erroneous posting, the same shall

be corrected as follows:
a) by the Teller who posted the
original transaction and overridden
by OS/OA or BH and sign the
reversal
b) using the same Teller’s terminal
where the transaction was originally
entered
c) on the same day the transaction
was made.

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 Deposit slip In case of cancellation: Cancelled OS/Branch
e) Teller shall stamp original deposit slip Head
transaction document
“CANCELLED”
f) OS shall approve cancellation on the
cancelled DS or Official Receipt and
override the transaction in the CT
g) Client shall acknowledge receipt of
cash/check returned on the
cancelled DS/OR.
h) OS or designated personnel
prepares the report on reversal for
the day attached the documents of Cash/Check
reversal made, approved by BH and Client
submit to Regional Head the same
banking day. The report shall
contain the nature of the reversed
transaction, name of client, the Reversal
reason, the corresponding amount Report for
and responsible person the day Regional Head

Sight verify validation as to account name,

account #, amount and tran code and affix
signature on DS and passbook

Gives passbook to client Passbook Client

At end-of-day, performs end-of-day balancing
using tellers totals printout
DS OS
Sight verify all transaction

Forward DS to OS for callback, scan docs and

forward all to bookkeeper for transmittal to AC
Check Deposits
Teller DS, Check and Receives check, DS and passbook from client DS
Passbook (if
applicable) Seek approval from OS/BH if amount of check
deposit is 500,000.00 and above
Checks DS as follows: Misrepresented -requires IDs from

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 - type of check… local, regional, etc, shall be checks/forged signature client
filled-out, branch indicated in the check, check -no second endorsed
# and amount checks are allowed
except where there is
MOA
- Name and account number of depositor -Ensures verification
from OA/OS(in case of
on-us checks)
Scan DS and checks
- Date on slip is current Alterations on the check/DS
- alterations should be signed in full by the Check Clearing -full countersignature in
depositor or his authorized representative Assistant all erasures on the
check/DS
-scan checks/DS

- DS is signed by depositor or his authorized

representative
Examines check as follows:
- face of check is complete as to date, payee,
amount in words and in figures and signature
of drawer

- Check is not postdated or stale at the time Postdated/stale check -Check the issuance
of deposit date indicated on the
face of the check and
its validity period
-scan checks
- Amount in words and figures tally

- Validity of account where the check is to be

deposited
-Ensures proper endorsement at the back of
the check indicating the account name and
account # where the check is to be
deposited(no second endorsed check allowed
except for those with memo of agreement)

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 For check deposit (ON-US) subject to
signature verification and officer's approval,
forwards all documents to Operations Analyst
and approving officers

OA/OS Note: If the check is issued by Government

Agency, verify against ACIC submitted by such
agency, if the check is included therein
particularly the payee, check # and amount.
Indicate the date of negotiation on the ACIC.

If authentic, stamps at the face of the check

"Verified By/Posted By/Approved By” and
signs in full in the “Verified By and Approved
By” portions (if applicable)

Forward DS and checks to teller

In case of IB check deposit, affix BRSTN of Misrouted checks -Indicate the BRSTN
mother branch in the "in case of return" box of and account number
guarantee/endorsement stamp where the check is to
be deposited
-scan checks
In case of On-Us check, accesses CT terminal
and debits drawer's account

Validates DS/passbook using Teller's CT and

signs the validation as to accuracy to account
#, account name , amount and tran code

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 affixes bank endorsement/non-negotiable Renegotiation of check -stamp bank
stamp at the back of check endorsement/non-
negotiable at the back
of the check before
forwarding to Clearing
-scan checks
In case of erroneous posting, the same shall
be corrected as follows:
d) by the Teller who posted the
original transaction and overridden
by the OS
e) using the same Teller’s terminal
where the transaction was originally
entered
f) on the same day the transaction
was made.
Deposit slip In case of cancellation: Cancelled OS/Branch
i) Teller shall stamp original deposit slip Head
transaction document
“CANCELLED”
j) OS shall approve cancellation on the
cancelled DS or Official Receipt and
override the transaction in the CT
k) Client shall acknowledge receipt of
check returned on the cancelled
DS/OR.
l) OS or designated personnel
prepares the report on reversal for
the day attached the documents of Check Client
reversal made, approved by BH and
submit to Regional Head the same
banking day. The report shall
contain the nature of the reversed
transaction, name of client, the Reversal
reason, the corresponding amount Report for Regional Head
and responsible person the day

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 For passbook account, affixes initial on the
entry in the passbook as evidence of checking
and gives same to depositor

Performs end-of-day balancing against teller’s

total

Sight verify all transactions

Forwards DS to OS for callback DS OS

Scan all DS and forward same to bookkeeper DS Bookkeeper

for transmittal to AC

We hereby attest to the correctness of the above and that it reflects the unit’s actual process flow.

Janice C. Calunsag-CA Teller Annelee V. Piamonte-OS Ricardo P. Seguerra-ADM/Acting Head

Process Owner Process Owner Process Owner

Validated by: Checked by:

Aldwin L. Magsino Felomino E. Molina

Auditor/Date Team Head/Date