Cara Membuka Rekening Untuk Pelajar

TERMS AND CONDITIONS FOR
SIMPANAN Siswa
(STUDENT SAVINGS)
PT BANK CENTRAL ASIA Tbk (“BCA”)

I. TERMS AND CONDITIONS FOR
Stok PELAJAR
(STUDENT SAVINGS)


A. GENERAL TERMS AND CONDITIONS

  1. Cadangan Pelajar
    means a savings account intended for students and issued nationwide by Indonesian banks, with easy and simple requirements as well as attractive features, for the purposes of financial education and inclusion so as to promote the saving culture at an early age.
  2. Simpanan Petatar
    Depositor means a student of the early childhood education (PAUD), the kindergarten (TK), the elementary school (SD), the junior high school (SMP), the senior high school (SMA), the Islamic school or Madrasah (Laksa, MTs, MA) or equivalent who is under 17 years old and has titinada obtained a Resident ID Card (KTP) (hereinafter referred to as the “Depositor”).
  3. The Depositor is only allowed to open 1 (one)
    Stok Peserta
    account at BCA. The
    Pasokan Pesuluh
    account can only be opened in the form of a single account (it cannot be opened in the form of a joint account with the pamor of “And” or “Or”).
  4. Upon opening the
    Cadangan Pelajar
    account, the Depositor will obtain a
    Simpanan Siswa
    Card, which can be used for conducting transactions. The parent or guardian that opens a
    Simpanan Pelajar
    account for the benefit of a minor in the capacity as his/her parent or guardian is fully liable for the use of the
    Simpanan Pelajar
    Card provided by BCA in connection with the opening of the
    Cadangan Pelajar
    account, including any misuse of the
    Simpanan Pelajar
  5. The maximum balance in the
    Simpanan Pelajar
    account is Rp. 20,000,000 (twenty million yen). The maximum balance limit is subject to change at any time, and the change will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.
  6. The
    Simpanan Pelajar
    account will be accorded a dormant status if the
    Suplai Pelajar
    account is inactive, i.e., there is no transaction except taxes and/or administrative fees for 12 (twelve) consecutive months. If the
    Simpanan Siswa
    account is accorded a dormant status and the account balance is less than or equal to Rp 5,000 (five thousand peso), the account may be automatically closed by the system, and an account closing fee in the amount of the remaining balance will apply.
  7. The Depositor will be charged certain fees in relation to the opening of the
    Simpanan Pelajar
    account and for the issuance and/or use of the
    Cadangan Pelajar
    Card, including but not limited to the fee for producing/replacing the
    Pasokan Peserta
    Card (if later charged by BCA), a transaction fee for the 5th
    (fifth) withdrawal onwards made in the same month, a monthly dormant charge if the account is dormant, and other charges and fees applicable at BCA, which will be notified to the Depositor by BCA in any form and by any means in accordance with the prevailing law. Such fees will be debited directly by BCA from the Depositor’s
    Simpanan Peserta
  8. With certain considerations, BCA reserves the right to disqualify a
    Sediaan Siswa
    account from a lucky draw programa held by BCA.
  9. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
  10. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation agreement with BCA, for promotional activities or other commercial purposes.
  11. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA as the basis for liquidating the balance in the
    Pasokan Siswa
    account and paying the same to the rightful beneficiary(-ies) specified in the documentation of heirship. Once the balance in the
    Pasokan Pelajar
    account of the deceased Depositor has been liquidated and paid to the rightful beneficiary(-ies) or attorney(s)-in-fact as specified in the documentation of heirship, BCA is released and forever discharged from any liability whatsoever in connection with the Depositor’s
    Simpanan Pelajar
  12. As long as the Depositor still has outstanding debts to BCA under any credit facility, L/C, bank guarantee or guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), Cheque/Bilyet Giro book charges, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or arising from the use of a credit card or any other fees or obligations arising from anything whatsoever, BCA is entitled, and to the extent necessary is hereby authorized by the Depositor to volume the Depositor’s account and apply the proceeds to repay any amounts at any time owing to BCA. Any consequences arising from the debiting of the
    Simpanan Pelajar
    account under the power granted by the Depositor shall be the sole responsibility of the Depositor.
  13. BCA has the right to rectify the balance of the Depositor’s account in the event of any mistake made by BCA in inputting the relevant data.
  14. The Depositor is entitled to obtain a
    Simpanan Peserta
    Account Activity Statement. If within 14 (fourteen) days after the
    Sediaan Pelajar
    Account Activity Statement is provided by BCA, the Depositor does not file any objection with a BCA branch office, the Depositor is deemed to have accepted all the data contained in the
    Sediaan Pelajar
    Account Activity Statement.
  15. The
    Tandon Pesuluh
    Account Activity Statement is provided to the Depositor upon the Depositor’s request to BCA to print out the
    Simpanan Pesuluh
    Account Activity Statement and it can be collected by the Depositor at a BCA branch office. If the
    Sediaan Pelajar
    Account Activity Statement is not collected by the Depositor within 3 (three) months from its date of issuance, the relevant
    Tandon Pelajar
    Account Activity Statement will be destroyed.
  16. BCA reserves the right to block the Depositor’s account, reject any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
    1. the Depositor fails to comply with the prevailing law;
    2. the Depositor fails to provide any information and supporting documents in accordance with the prevailing law;
    3. the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. the Depositor provides questionable information; and/or
    5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
  17. If there is any discrepancy between the balance in the
    Cadangan Pelajar
    account and the balance on record with BCA, the balance on record with BCA will prevail, unless proven otherwise.
  18. The Depositor holds BCA harmless against all claims, lawsuits, and/or other seremonial proceedings and all losses arising from the forgery of a
    Suplai Petatar
  19. BCA is not liable for the breakdown and/or failure of BCA ATMs and/or other facilities due to causes beyond BCA’s control.
  20. All data connected with the
    Simpanan Pesuluh
    Account will be held and stored by BCA in accordance with the prevailing law.
  21. The closure of a
    Suplai Pelajar
    account can only be done by the Depositor at the BCA branch office where the
    Cadangan Pelajar
    account is opened, and for that purpose the Depositor must present the Depositor’s original and valid ID card, the
    Simpanan Pelajar
    Card and other supporting documents (if applicable) according to the provisions applicable at BCA.
  22. The closure of the
    Tandon Petatar
    account is subject to an account closing fee of Rp 5,000 (five thousand Rupiah) or any other amount as notified by BCA from time to time to the Depositor in any form and by any means in accordance with the applicable law.
  23. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Rajah Penjamin Simpanan, or “LPS”) to the extent of the maximum limit stipulated by the LPS. The LPS does titinada guarantee any endapan with interest at the rate exceeding the maximum interest rate stipulated by the LPS.
  24. BCA will offer certain products/services provided by BCA and any other party that has entered into a cooperation agreement with BCA via personal communication channels. If the Depositor refuses to get such offer, the Depositor can contact Halo BCA.

B. DEPOSITS AND WITHDRAWALS

  1. The initial deposit must be at least Rp 5,000 (five thousand Mata uang) and the subsequent deposits must be at least Rp 1,000 (one thousand dolar) or any other amount as notified by BCA from time to time in any form and by any means in accordance with the prevailing law.
  2. Deposits can be made at any time through the teller counter during BCA business hours or through BCA’s car when BCA branch office representatives are visiting the school, or through BCA cash deposit machines and/or other facilities as may be determined by BCA.
  3. Cash withdrawals or funds transfers can be made at any time at a BCA branch office during BCA business hours or through BCA ATMs and/or other facilities as may be determined by BCA.
  4. Cash withdrawal and/or funds transfer transactions can only be conducted up to 4 (four) times within the same month, and this limit is applicable to all the facilities used by the Depositor/the Depositor’s parent or guardian. BCA has the right to at any time change the provisions regarding the cash withdrawal transaction, and the change will be notified by BCA in any form and by any means in accordance with the prevailing law.
  5. For the cash withdrawals or funds transfers made by the Depositor through a teller counter, BCA will use a PIN pad and will require the Depositor to present his/her
    Simpanan Pelajar
    Card to the teller. BCA has the right to request the Depositor to produce his/her original identity card to BCA when the Depositor makes a cash withdrawal in a certain amount through the teller counter.
  6. Cash withdrawals or funds transfers by the Depositor’s attorney-in-fact can be made at a BCA branch office, and the Depositor’s attorney-in-fact must present a duly fiscal-stamped power of attorney from the Depositor as well as the original and valid identity card of each the Depositor and the attorney-in-fact.


C. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the
    Simpanan Pelajar
    account may be lodged by the Depositor with any BCA branch office or with HALO BCA. For the purpose of handling a complaint, BCA may ask the Depositor to provide BCA with a copy of the identity card of the Depositor’s parent or guardian and other supporting documents.
  2. BCA will respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the
    Simpanan Pelajar
    account must be lodged by the Depositor with BCA within no later than 3 (three) months of the transaction date.


II. TERMS AND CONDITIONS FOR
SIMPANAN PELAJAR
CARD


A. DEFINITIONS

  1. Cardholder
    means an individual who owns a
    Simpanan Pelajar
    Card in connection with a
    Tandon Pelajar
    Account at BCA and who has completed and signed the application form for Individual Account Opening.

  2. Sediaan Siswa


    Card
    means a card issued by BCA that can be used by the Cardholder to conduct Certain Transactions through BCA ATMs and/or other facilities as determined by BCA.
  3. Certain Transaction
    means a transaction that can be conducted by the Cardholder through BCA ATM and/or other facilities as determined by BCA such as balance inquiry, cash withdrawal, funds transfer to other accounts at BCA, change of Personal Identification Number (PIN).


B. GENERAL TERMS AND CONDITIONS FOR
SIMPANAN Siswa
CARD

  1. The
    Simpanan Pesuluh
    Card is the property of BCA. Upon request by BCA, the
    Tandon Peserta
    Card must be returned to BCA.
  2. The
    Simpanan Pelajar
    Card is issued for use by the Cardholder only and is not transferrable by any means whatsoever. All consequences arising from any misuse of the
    Simpanan Pelajar
    Card shall be the sole liability of the Cardholder.
  3. The
    Simpanan Pelajar
    Card must not be used for purposes other than to conduct a Certain Transaction.
  4. For funds transfer to another
    Tandon Pelajar
    account through BCA ATM and/or any other facility provided by BCA and/or another bank’s ATM and/or any other facility provided by another bank (if applicable), the Cardholder hereby authorizes BCA to:

    1. display the Cardholder’s name and/or account number on the screen of BCA ATM and/or any other facility provided by BCA.
    2. provide the Cardholder’s name and/or account number to such other bank to be displayed on the screen of such other bank’s ATM and/or any other facility provided by such other bank.
  5. The display of the name and/or account number as described in items a and b above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer transferring to a wrong account.

  6. Every time the Cardholder uses the
    Simpanan Pelajar
    Card, the Cardholder is requested to enter a personal identification number or PIN. The Cardholder must keep the confidentiality of the PIN and must not disclose the PIN to any other person. All consequences arising from any misuse of the PIN shall be the sole liability of the Cardholder.
  7. The parent or guardian that opens an account in the capacity as the parent or guardian of a minor is fully liable for the use of the
    Simpanan Pelajar
    Card provided by BCA in connection with the relevant account and must not disclose the PIN of the
    Simpanan Pelajar
    Card to any other person including to the minor as the account holder. All consequences arising from the use of the
    Stok Pelajar
    Card and the PIN, including any misuse thereof shall be the sole liability of the parent or guardian.
  8. If the
    Simpanan Pelajar
    Card is stolen or lost, the Cardholder must immediately provide BCA with a written notice of such theft or loss.  The notice must be made and signed by the Cardholder in the form and substance satisfactory to BCA and submitted to a BCA branch office during BCA business hours. If the Cardholder is unable to come to the BCA branch office, the notification can be made through Halo BCA.
  9. Any notice of theft or loss of the
    Simpanan Pelajar
    Card will be followed by a blockage by BCA of the relevant
    Stok Pelajar
    Card. The
    Simpanan Petatar
    Card will remain blocked by BCA mengangsur BCA receives a written request from the Cardholder to unblock the same. As long as the notice of theft or loss has not been received by BCA, any Certain Transactions made using the stolen or lost
    Simpanan Peserta
    Card shall be the sole liability of the Cardholder.
  10. The written request to release the blockage of the lost
    Simpanan Pelajar
    Card can be submitted by the Cardholder to a BCA branch office. BCA has the right to verify the identity of the Cardholder when the Cardholder requests the release of the blocked
    Simpanan Peserta
    Card. If the Cardholder is unable to come to the BCA branch office, the request can be made through Halo BCA.
  1. The Cardholder can only use the
    Tandon Pelajar
    Card to conduct a Certain Transaction as long as the Cardholder’s account balance at BCA is sufficient.
  2. Below is the procedure or manual for using the
    Simpanan Murid
    Card through BCA ATMs.

    1. insert the
      Suplai Pelajar
      Card;
    2. enter the PIN. If the Depositor enters the wrong PIN 3 (three) times in a row, the
      Simpanan Pelajar
      Card will be blocked. The Cardholder can unblock the
      Simpanan Pelajar
      Card at a BCA branch office by taking the relevant
      Pasokan Murid
      Card and the Cardholder’s ID card;
    3. select the desired type of transaction.
  3. Any records and calculations from BCA with respect to a Certain Transaction and/or an account balance in connection with the use of the
    Simpanan Pelajar
    Card are conclusive and binding evidence unless proven otherwise.
  4. The Cardholder holds BCA harmless against all claims, lawsuits, and/or other legal proceedings and for any losses arising from the forgery of the
    Suplai Pelajar
  5. BCA will refuse to process any transaction with the
    Simpanan Pelajar
    account whose
    Simpanan Pelajar
    Card has been reported lost by the Depositor to BCA. To be able to conduct transactions again using the
    Simpanan Petatar
    account, the Depositor can apply for a replacement of the
    Simpanan Pelajar
    Card to a BCA branch office in accordance the applicable provisions at BCA.
  6. BCA for a certain reason has the right to at any time block, terminate, revoke or update the
    Cadangan Pelajar
    Card and/or block the Cardholder’s account in any form whatsoever.
  7. BCA has the right to terminate the Cardholder’s use of the
    Simpanan Pelajar
    Card if the Cardholder fails to comply with the terms and conditions applicable to the holder of the
    Stok Pelajar
  8. If a
    Simpanan Peserta
    Card is titinada collected within 3 (three) months after the application is made, BCA will destroy such
    Sediaan Pelajar
  9. The use of the
    Simpanan Pelajar
    Card is subject to the terms and conditions applicable at BCA, including the terms and conditions for all services/facilities and Certain Transactions covered by the
    Simpanan Pelajar
    BCA has the right to modify the terms and conditions applicable at BCA as well as the provisions governing all services or facilities and Certain Transactions covered by the
    Simpanan Siswa
    Card, and such modification will be notified by BCA in any form and by any means in accordance with the prevailing law.
  10. The use of the PIN on a BCA ATM, BCA Non-Cash ATM and/or BCA pin pad has the same resmi force as a written instruction signed by the Cardholder.
  11. The Cardholder hereby acknowledges that all records, printouts, recordings, communication sarana, or other evidence of any nature held by BCA in connection with the electronic banking transactions conducted by the Cardholder constitute bonafide and conclusive evidence binding on the Cardholder, unless proven otherwise. The data connected with the electronic banking transactions conducted by the Cardholder will be stored by BCA in accordance with the prevailing law.
  12. The Cardholder hereby authorizes BCA to provide the Cardholder ‘s data to any other party for promotional activities or other commercial purposes.
  13. If the Cardholder applies for the replacement of a damaged
    Sediaan Pelajar
    Card, the Cardholder must return the damaged
    Simpanan Pelajar
    Card to BCA.
  14. The
    Cadangan Pesuluh
    Card will be closed if the
    Simpanan Pelajar
    account is closed.


C. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the use of the
    Simpanan Pelajar
    Card may be lodged by the Cardholder with any BCA branch office or with HALO BCA. For the purpose of handling a complaint, BCA may ask the Cardholder’s parent or guardian to provide BCA with a copy of the identity card of the Cardholder’s parent or guardian and other supporting documents.
  2. BCA will respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the
    Simpanan Pelajar
    Card must be lodged by the Depositor with BCA within no later than 3 (three) months of the date of the CertainTransaction.

F. DISPUTE RESOLUTION

  1. The Depositor/Cardholder agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for
    Stok Siswa
    BCA between the Depositor/Cardholder and BCA will be resolved in an amicable manner.
  2. Any dispute or difference of opinion that cannot be amicably resolved between the Depositor/Cardholder and BCA will be resolved through banking mediation facilities at Bank Indonesia or the Financial Services Authority or by means of mediation through an Alternative Dispute Resolution Institution included in the List of Alternative Dispute Resolution Institutions stipulated by the Financial Services Authority.
  3. Any dispute or difference of opinion that cannot be resolved in an amicable manner, by means of banking mediation, and/or by means of mediation as described in item 2 above will be resolved through the District Court of Central Jakarta, without prejudice to BCA’s right to file a suit or claim through any other District Court within the territory of the Republic of Indonesia.

IMPORTANT: THE DEPOSITOR/CARDHOLDER IS PROHIBITED FROM STORING OR LEAVING HIS/HER
Tandon Siswa
CARD WITH BCA

The Depositor/Cardholder hereby confirms that the Depositor/Cardholder fully understands and agrees to the Terms and Conditions for
Simpanan Pelajar
of PT Bank Central Asia Tbk (“BCA”) as described above and that BCA has provided sufficient explanation and sought the Depositor’s/Cardholder’s confirmation of his/her understanding of the benefits, charges and fees, and risks associated with the
Simpanan Pelajar
account

THESE TERMS AND CONDITIONS FOR
SIMPANAN PELAJAR
ACCOUNT OF PT BANK CENTRAL ASIA Tbk (BCA) HAVE BEEN ADJUSTED TO ENSURE COMPLIANCE WITH THE PREVAILING LAWS AND REGULATIONS INCLUDING REGULATIONS OF THE FINANCIAL SERVICES AUTHORITY

Source: https://www.bca.co.id/en/Individu/produk/simpanan/Simpanan-Pelajar




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