The start of the new year is somewhat I would say one of the busiest time for banks, especially those banks that holds accounts for schools and also the KWAPM accounts. I don’t really know what does KWAPM stands for but it is some monetary aid for the poor and less unfortunate students. Things can get a little nasty sometimes when parents who are dissatisfied with the delay of money being credited into their children’s account. It’s not that we don’t want to credit the money but there is no money to be credited and how can we credit to their account if there’s no money?
Dealing with school is a headache. Why? They use a lot of coins. They come to you with big plastic bags full of coins. They will stand there waiting for you to count the money. Not that we mind a lot about it but it would actually help if we do that at the end of the day because there’s a lot of people who are in a hurry especially those who are dealing with foreign transfer, local and outstation cheques that needs to be cleared on that day itself. If one school come in a day is still okay, I can deal with that but usually it’s like a few schools in a day and they come to the bank with all the coins several time during the day! I don’t understand why they don’t do it in one shot. These are teachers!
If usually the branch only have around 160-175 transactions daily, with the school accounts it can be between 200-250 transactions daily. Being in charge of ATM and CDM – not entirely in charge of it; it’s as busy as the tellers at the counters and it really doesn’t help if you have money lenders next door. Why? Every freaking morning they will withdraw with at least 10 cards; One card, RM 3000 and if there’s 10 cards, RM 30,000. Imagine that RM 30,000 is only from one person / money lender. There are at least 5 money lenders in this particular area, and if all of them withdraw that’s a staggering RM 150,000 in just one fine morning! The amount being top up is like only RM 300,000 every Monday and Friday – Exceptional case when it’s near to the festive season usually can be up to RM 500,000 or a little more than that.
Remember the last time I told you about the things you need to know about ATMs? Well, this is just an additional info on the part where you withdraw money, the cash was not dispensed and there’s no slip being printed. What you have to do when you make a report is that, go to your bank and print your statement which shows the transactions that you’ve made on that particular day and also if possible update your passbook because the bank which “took your money away” need to submit that along with your report. – It will make things easier in a way. The nasty part is, there’s always a delay. It can be 2 weeks and sometimes it can be a month, so be prepared. So if you are in dying need of money, I’ll say you can just forget about that. So to prevent all this, read my last post about ATM.
January 7, 2008 at 8:35 PM
leave the bank.open a kopi tiam or massage parlor… or brothel…i will close one eye and not report you 🙂
January 8, 2008 at 12:32 AM
wow, honestly, i never knew banks were busy when school opens..i tot only after CNY…coz all kids go with angpaos! kekeke
btw, how come school need to go to bank? they deposit money to who? government?
wow…never knew banks can be that busy..and rm 300 000…wa lao…how many years of woorking to earn that much, i wonder!
har….really got atm will not dispense money??? wa seh…dangerous….
January 8, 2008 at 2:40 AM
Well… let’s countdown to the next public holiday on Thursday! 😉
January 8, 2008 at 3:11 AM
Cibol,
Banks in M and US are very different. In US, banks are empty. No body really need to be in the bank physically , we do most all our banking online. In fact, we hardly use any cash in the US.
I was in Public bank kuching recently, was shocked by the number of people in the bank.
I have been in US about 10 yrs now. I think I went to the bank less than 5 times.
Our salary direct deposit. We use credit or ATM in super market and if we want some lose change, we can withdraw $ from the store when we buy barang. I don’t see any time soon I am going to the bank.
But in Malaysia, it is quite different.
Also I find the bank teller in Malaysia not very efficient, simple questions, they terus ask you to to go the customer service.
I like the system here better, no need to queue so long leh in the bank. Even ATM also need to queues, susah. Here any shop also allow you to withdraw $ with your ATM card (debit card). So, when are you going to join me here ? Seriously, so much space for your studio :).
January 8, 2008 at 7:15 AM
Bengbeng : You’ll be the funder la hoh? 😉
Lynnwei : Only private schools does that not the government schools. Usually Chinese schools la. CNY is one of the busiest season around and I’ll be super busy too.
angel : I can’t wait for Thursday! I need that rest. Besides, I’m still on a holiday mood. 😉
Jamy -seaykopitiam : Yes Jamy, here online shopping is not a trend. People are not used to do business the cashless way. That’s what I’ve been telling my dad. I’m starting to use my debit card now which I find better. Easier for me if I go shopping.
Talk about Public Bank, I think the most issued cheques in this country is by Public Bank. Everytime I go for clearing I have to bring like a big bundle of Public Bank’s cheques. 😉 And their branches are always jam packed with people.
That’s so tempting Jamy. I hope it will materialized one day. I can’t wait for it to happen. 😉
January 8, 2008 at 12:01 PM
Who’s on the screen wallpaper? A good motivation on a buzy day?
January 8, 2008 at 1:12 PM
so des ka…..so many privates school around ur area! wow…
kekeke….cny is just around the corner…aha….do u get irritated with kids coming with their angpaos….
and before cny…parents coming with intention to change into small notes…
then, after cny, it’s the kids coming with the small notes.wanting to bank in!
January 8, 2008 at 2:15 PM
A lollipop, an empty mug of coffee(?), N73 phone, and a small bottle of plain water – don’t you drink your water, cibol? Hehe
This is the reason why my Mom doesn’t encourage me to work in a bank – and I’m so used to hearing all these moans and groans about banking it doesn’t surprise me anymore hehe .. as for me, new year will means a lot of goyang kaki. No budget yet for the Govt offices, so for those who works for the govt suppliers like me, relaxla dulu …. 🙂
Good luck with CNY lurking around the corner hehe …
January 8, 2008 at 8:57 PM
elvinado : They change everyday though LOL 😉
Lynnwei : We started to have people coming in for ang pao packets already as early as on the 2nd of January. I won’t be surprised by CNY busy-ness. Even the less busiest bank in the world would be super busy during that period. It’s gonna be one helluva season.
-MB- :
A lolipop – Given to me, I haven’t touch it yet (Busy)
An empty mug of coffee – Good guess. That was my third mug
N73 phone : Not mine
A small bottle water of plain water – Also not mine
My desk is just beside the xerox machine so everyone that passed by put their stuffs there. Sweat!
January 9, 2008 at 12:25 PM
Good to know that your colleagues put their stuffs on your table! I just saw that handbag lurking at the corner of the pic! LOL! (Imagine cibol walking around with a ladies’ handbag – ick!) hehe ..
N73 not yours? Still using your trustworthy 3310, cibol? 🙂
January 9, 2008 at 12:27 PM
damn! I forgot to close the italic tag again! LOL
January 9, 2008 at 1:33 PM
busy dude.. busy… good to hear that. 😛