Clearing house itu buat antar bank artinya cek dari 2 orang yg berbeda. Kalau si A menguangkan cek nya itu tidak perlu lewat clearing house. Wong banknya sama koq. Jadi internal banknya yg mesti verifikasi apakah ada dananya.
Masalahnya siGOBLOK itu mengklaim cek itu bisa diuangkan langsung dan tidak perlu lewat clearing house. Ini menunjukkan dia gak ngerti artinya clearing house itu. Sudah saya jelaskan koq sebetulnya bahwa wong cek sendiri saja kalau gak ada dananya ya gak bisa diuangkan. Apalagi cek orang lain. Ini prinsip prudential dari bank diseluruh dunia. Sekali lagi istilah clearing house itu buat antar bank, antar cek. Kalau cek sendiri dalam banknya sendiri, itu disebut verifikasi saja. Nesare From: GELORA45@yahoogroups.com <GELORA45@yahoogroups.com> Sent: Wednesday, February 13, 2019 7:10 PM To: GELORA45@yahoogroups.com; jonathango...@yahoo.com Subject: Re: [GELORA45] Re: Eka Tjipta Lha iyalaah, bagaimana bank bisa dan berani keluarkan duit kasih kan orang lain kalau yg keluarkan chek TIDAK ada cukup duit di bank tsb? Makanya ada prinsip penggunaan chek, lewat clearing house dulu baru diuangkan masuk ac bank penerima chek! Artinya chek itu sesungguhnya baru bisa digunakan keesokan hari kerja, ...setelah duitnya betul-betul ada dan masuk ke ac bank kita! Apalagi kalau dalam jumlah besar, ... jonathango...@yahoo.com <mailto:jonathango...@yahoo.com> [GELORA45] 於 13/2/2019 23:12 寫道: Ini namanya ngambil duitnya sendiri sedang cek itu di-kliring-kan. "Tentu kalau nilai chek kecil saja, pihak bank dimana kita masukkan chek, bisa saja ambil duit dari acount kita dulu. " ---In GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> , <mailto:SADAR@...> <SADAR@...> wrote : Ngaco? Yaa nggaklah, ... begitulah cara kerja bank sehubungan penggunaan chek, ci Martha! Prinsipnya harus lewat clering house dulu baru bisa diuangkan, apalagi jumlah besar! Tentu semua ini dilakukan untuk menjamin chek itu betul ada duitnya dan bank tidak dirugikan! Tentu kalau nilai chek kecil saja, pihak bank dimana kita masukkan chek, bisa saja ambil duit dari acount kita dulu. Tapi kalau nilainya lebih besar dari duit kita di bank itu, PASTI tidak dikasih! Betul-betul besok hari kerja baru boleh diuangkan. Jadi, sesungguhnya nilai duit chek masuk acount kita dibank baru keesokan hari kerja! Itu juga kalau di clearing house chek itu tidak ditolak karena tidak ada duitnya! Katanya, bank bisa kasih tahu kita chek ditolak, sedang yg keluarkan chek bisa kena denda! Saya yakin di AS juga begitu kerjanya bank. Salam, ChanCT marthajan04@... <mailto:marthajan04@...> [GELORA45] 於 13/2/2019 14:32 寫道: 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 GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> , <mailto:SADAR@...> <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] <GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> > wrote: Heran rajin sekali meme memean begini, sedangkan argumennya gak ada! bukan GOBLOK dan merasa sbg orang pinter?! Nesare From: GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> <GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> > Sent: Sunday, February 10, 2019 4:35 PM To: GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> Subject: RE: [GELORA45] Re: Eka Tjipta <https://psikologi2009.files.wordpress.com/2011/10/psikologi-zamanedanbanyakorangbodohmerasapandai.gif?w=500> ---In gelor...@yahoogroups..com <mailto:GELORA45@yahoogroups.com> , <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: GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> <GELORA45@yahoogroups.com <mailto:gelor...@yahoogroups..com> > Sent: Thursday, February 7, 2019 2:50 PM To: Yahoogroups <gelora45@yahoogroups.com <mailto:gelora45@yahoogroups.com> > 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 GELORA45@yahoogroups.com <mailto:GELORA45@yahoogroups.com> , <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> http://www.businessdictionary.com/definition/check-clearing.html <https://en.wikipedia.org/wiki/File:CanadianChequeSamplePAR.png> <https://en.wikipedia.org/wiki/Cheque> 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 <https://en.wikipedia.org/wiki/American_and_British_English_spelling_differences> American English) or bank clearance is the process of moving cash (or its equivalent) from the <https://en.wikipedia.org/wiki/Bank> bank on which a <https://en.wikipedia.org/wiki/Cheque> 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 <https://en.wikipedia.org/wiki/Cheque_truncation> cheque truncation system. This process is called the <https://en.wikipedia.org/wiki/Clearing_(finance)> clearing cycle 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 <https://en.wikipedia.org/wiki/Non-sufficient_funds> non-sufficient funds. <https://en.wikipedia.org/wiki/Cheque_clearing#cite_note-dishonour-1> [1] <https://en.wikipedia.org/wiki/Cheque_clearing> 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 * Pin * Email <https://www.thebalance.com/thmb/teixqnqE8XSweuEnIQDbJHx6img=/300x200/filters:saturation(0.2):brightness(10):contrast(5):no_upscale():format(webp)/signing-a-check-174749842-58b4c7e35f9b58604688bbd3.jpg> ••• BY <https://www.thebalance.com/justin-pritchard-314987> JUSTIN PRITCHARD 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 <https://www.thebalance.com/what-is-the-central-bank-315194> the Federal Reserve 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) <http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=emailclient> 不含病毒。 <http://www.avg.com/email-signature?utm_medium=email&utm_source=link&utm_campaign=sig-email&utm_content=emailclient> www.avg.com
