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.This plan is simple, and realistic.All reasearch was done at a bank.I had a job at one, and was able toask questions and form conclusions about how the internal structure of a bankworks, and how to benefiet from this structure.First, I will explain to youthe basic structure of a deposit system, and how this can be used to adievient's advantage.1.THE INTERNAL STRUCTURE OF A BANK'S DEPOSIT SYSTEMHere is the scenereo.John Doe walks in to a bank with his paycheck.Heproceeds to give it to a teller, who puts the money in his account.Themoney is in the account, and could now be taken back out in cash form if hewanted to.If this deposit was made before 3 PM, the check would be sent tothe proof department, who would then check it, and see if any errors weremade.If an error was present, such as the check being invalid, or anincorrect deposit amount, the correct amount of money will be removed fromMr.Doe's account by the end of that business day.If the deposit was madeafter 3 PM, the proof dept.does not see the deposit until the beginning ofthe next business day.This means that the money is "in" the account, andcould be withdrawn, until the time in which the proof dept.gets it.If the deposit is made with an ATM machine (as suggested by MANY text filesI read), the money will not be "in" the account until proof sees it.This is to combat someone going in to the ATM, putting in an empty envelope,then immediately withdrawing the money back, getting "free cash."Please refer to my flow charts.-----------------------------------------------------------------------------DEPOSIT MADE BEFORE 3 PMCHECK--->TELLER--->PROOF------- The check is given to the teller, who| | puts it in the account, and also gives|----->ACCOUNTTELLER--->[24 Hour delay]--->PROOF-- Same as above.BUT.Proof| | does not get to see the|----->ACCOUNT [ Pobierz całość w formacie PDF ]
