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C++ . Assume that a bank maintains two kinds of accounts for customers, one called savings account and the other as current account. The savings account provides compound interest and withdrawal facilities but no cheque book facility. The current account provides cheque book facility but no interest. Current account holders should also maintain a minimum balance and if the balance falls below this level, a service charge is imposed. Create a class ACCOUNT that stores customer name, account number and type of account. From this derive the class CUR_ACCT and SAV_ACCT to make them more specific to their requirements. Include necessary member functions in order to achieve the following: a) accept deposit from a customer and update the balance b) display the balance c) compute and deposit interest d) permit withdrawal and update the balance e) check for minimum balance, impose penalty, if necessary, and update the balance Use member functions to initialize the class members. Do not use constructors

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  • Peter Lee
    Peter Lee May 31, 2010

    This is not really a problem is it?

    It's an exercise.

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This is a homework problem. You should not expect folks to answer this. There are multiple questions here, as you know.

If you want to do it, you first need to do is start at the sentence, "Create a class ACCOUNT..."

So, "How do you do create a class?" would be one question.

Answer: It is done with an editor creating two new files, one the file ACCOUNT.h (where the class is declared) and two the file ACCOUNT.cpp (where the class member/functions are defined).

All these answers are in your text book.

THEN, work on the next part, "... that stores customerName, accountNumber, etc."

Do it one part at a time and you can program. The next part is to create two new classes, CUR_ACCT and SAV_ACCT. Like the first one, these will go in their own file, like CUR_ACCT.h and CURR_ACCT.cpp.

Take it slow and do one piece at a time.

Only this way can you learn.

Posted on Jun 01, 2010

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Online banking log in


Many banks have introduced online banking services in recent years.
These systems offer a high level of convenience to bank customers, allowing them to perform many banking functions from the privacy of their homes via the Internet.
Most online banking systems offer the ability to get account information, pay bills, make transfers between accounts, stop payment on checks and view current and previous statements.
If you've not yet enrolled in an online banking program but are considering doing so, the following information may be of assistance.

Selection

If you bank at a small bank or savings and loan, you may want to switch to a larger institution for your online banking needs.
Online banking systems are complex and expensive to implement and maintain, and smaller banks generally don't have the funds and other resources necessary to offer top-notch online banking services.
By contrast, large banks like Citibank, Chase, Bank of America and Wells Fargo have had online systems for many years, have steadily improved them, and have the resources to expand their functions and maintain them well.
Also, you'll want to choose a bank that does not charge for online banking.
The banks named above all offer online banking for free.
Sign Up
Some banks require you to fill out a special application to enroll in their online banking systems but many do not.
The banks named in the previous section all allow any customer to access their online banking systems without a special application.
The first time you log on, you'll be prompted to enter your identifying information, such as your account number, ATM card number or Social Security number.
You'll be asked to choose a user name and password, which should both be items that you can easily remember.
Your password should be different from the PIN code that you use at the bank's ATMs.
Account Setup
You'll probably want to use your online banking system to pay bills, so you should gather all of your regular bills and set aside some time to enter the information about them into the system.
Also, make a list of your other expenses, like your rent or mortgage, car loan and other obligations for which you may not receive a statement, and write down the addresses where you normally send your payments.
Then go online and enter the data into the system.
Many online banking systems are already set up to pay many merchants, banks and other creditors electronically, and most have a search capability that allows you to find these organizations on their systems.
You probably will not need to enter the payment address for these organizations, but you'll still need to enter the correct account number from your statement.
Security
Make word documents of bank details BSB and Account numbers and save them in my documents to copy and paste them in when logging in to avoid spyware and keyloggers.
Recurring Payments
Most online banking systems have the ability to make recurring payments of a fixed amount at a regular interval that you specify.
This is especially useful when paying things like your rent, mortgage or car loan, which are usually the same amount each month and due at the same time of the month.
If you schedule a recurring payment, you won't need to worry about making your payment each month, as it will be made automatically for you.
However, if the amounts and/or due dates change, you'll need to go online and adjust them accordingly.
Other Functions
Virtually all online banking systems offer the ability to transfer money between accounts at the bank, or even to and from accounts at other institutions.
If you've made a practice of putting money in a savings account on regular basis, you can usually set up a recurring transfer for that amount, or, if you prefer, you can do it on an ad hoc basis.
Many systems offer a variety of other functions, such as obtaining copies of statements and canceled checks, issuing a stop payment, and ordering new checks.
Once you sign up for online banking, spend some time exploring your system and acquaint yourself with the various functions it offers.

Sep 28, 2013 | Computers & Internet

Tip

What is a Personal Savings Account?


For the average person, a personal savings account is the most common type of account other than a checking account for day to day banking activity.

Savings account are different as they provide you with a safe place to keep your money and earn some extra interest on it. Each bank has it's own rules as to whether you need to put a minimum amount in the account and how much interest they pay.

Savings accounts are a great idea for people who have extra cash that they kept around the house. Spare money is much safer in a bank account which is an insured environment, than stuffed under a mattress.

Studies have also shown that people who put money aside in a savings account are much less likely to spend it than those who don't.

Savings accounts are not hard to open. You just find out from your bank what the minimum desposit is and ask how and when you can withdraw money.

Higher interest accounts tend to have more restrictions ie you can only withdraw once a month without incurring a fine of some kind but these are details that you can work out with your bank.

on Sep 10, 2013 | Finance

Tip

Savings Account I Don't Fear You!


Business savings accounts are often a hassle for small businesses. Their management, rules and fees are different from personal bank accounts and therefore it can be hard for the owners to deal with them.<br><br>But there is no need to fear! Here are 5 tips to help you learn about different options, choose the bank and account that best fulfills your needs, and keep its menagement simple and free of risks.<br><br>1. First of all, most banks require the payment of a monthly service fee. Usually this fee goes between 5$ to 10$, however most banks will waive it if you keep a certain amount of money in the account. Therefore first of all make sure to shop around to find a bank that asks for a reasonably low monthly service fee. Then make sure not to drop below the threshold so that the bank will accept to waive the monthly fees.<br><br>2. Another important way to choose a bank is according to what kind of business you have and what kind of account it needs. If your business handles a lot of cash, for example, you need a bank that has a low cash handling fee. Or if your business makes a lot of transactions, you need an account with a low excess transaction fee, etc.<br>Consider what your business needs and then choose an account that will facilitate the business's financial activities at the lowest possible cost. For this reason it is very important to explore as many options as possible.<br><br>3. Consider community banks. They may offer lower fees and be more flexible where small businesses need flexibility.<br><br>4. Consider also online banks. Many people have avoided them because the idea of having an only virtual account sounds inconvenient. However online banks are becoming more and more popular and are especially friendly to small businesses and willing to work around their needs.<br><br>5. Last but not least, banks often offer discounts and special terms to customers who combine all their accounts under their bank. Therefore, by using the same bank for all your business's financial needs you will at the same time save money on account fees and build a relationship with your bank, making it easier in the future to ask it for favors.

on Aug 21, 2013 | Finance

1 Answer

Trying to go online banking so confusing as usual with most companys because of all the gargon that you need


Which bank ?
usually you have to create an online banking with the bank either contact them by phone or in person.
Set Up Online Banking
Many banks have introduced online banking services in recent years.
These systems offer a high level of convenience to bank customers, allowing them to perform many banking functions from the privacy of their homes via the Internet.
Most online banking systems offer the ability to get account information, pay bills, make transfers between accounts, stop payment on checks and view current and previous statements.
If you've not yet enrolled in an online banking program but are considering doing so, the following information may be of assistance.

Selection

If you bank at a small bank or savings and loan, you may want to switch to a larger institution for your online banking needs.
Online banking systems are complex and expensive to implement and maintain, and smaller banks generally don't have the funds and other resources necessary to offer top-notch online banking services.
By contrast, large banks like Citibank, Chase, Bank of America and Wells Fargo have had online systems for many years, have steadily improved them, and have the resources to expand their functions and maintain them well.
Also, you'll want to choose a bank that does not charge for online banking.
The banks named above all offer online banking for free.
Sign Up
Some banks require you to fill out a special application to enroll in their online banking systems but many do not.
The banks named in the previous section all allow any customer to access their online banking systems without a special application.
The first time you log on, you'll be prompted to enter your identifying information, such as your account number, ATM card number or Social Security number.
You'll be asked to choose a user name and password, which should both be items that you can easily remember.
Your password should be different from the PIN code that you use at the bank's ATMs.
Account Setup
You'll probably want to use your online banking system to pay bills, so you should gather all of your regular bills and set aside some time to enter the information about them into the system.
Also, make a list of your other expenses, like your rent or mortgage, car loan and other obligations for which you may not receive a statement, and write down the addresses where you normally send your payments.
Then go online and enter the data into the system.
Many online banking systems are already set up to pay many merchants, banks and other creditors electronically, and most have a search capability that allows you to find these organizations on their systems.
You probably will not need to enter the payment address for these organizations, but you'll still need to enter the correct account number from your statement.
Security
Make word documents of bank details BSB and Account numbers and save them in my documents to copy and paste them in when logging in to avoid spyware and keyloggers.
Recurring Payments
Most online banking systems have the ability to make recurring payments of a fixed amount at a regular interval that you specify.
This is especially useful when paying things like your rent, mortgage or car loan, which are usually the same amount each month and due at the same time of the month.
If you schedule a recurring payment, you won't need to worry about making your payment each month, as it will be made automatically for you.
However, if the amounts and/or due dates change, you'll need to go online and adjust them accordingly.
Other Functions
Virtually all online banking systems offer the ability to transfer money between accounts at the bank, or even to and from accounts at other institutions.
If you've made a practice of putting money in a savings account on regular basis, you can usually set up a recurring transfer for that amount, or, if you prefer, you can do it on an ad hoc basis.
Many systems offer a variety of other functions, such as obtaining copies of statements and canceled checks, issuing a stop payment, and ordering new checks.
Once you sign up for online banking, spend some time exploring your system and acquaint yourself with the various functions it offers.

Sep 19, 2013 | Computers & Internet

1 Answer

On line banking


Many banks have introduced online banking services in recent years.
These systems offer a high level of convenience to bank customers, allowing them to perform many banking functions from the privacy of their homes via the Internet.
Most online banking systems offer the ability to get account information, pay bills, make transfers between accounts, stop payment on checks and view current and previous statements.
If you've not yet enrolled in an online banking program but are considering doing so, the following information may be of assistance.

Selection

If you bank at a small bank or savings and loan, you may want to switch to a larger institution for your online banking needs.
Online banking systems are complex and expensive to implement and maintain, and smaller banks generally don't have the funds and other resources necessary to offer top-notch online banking services.
By contrast, large banks like Citibank, Chase, Bank of America and Wells Fargo have had online systems for many years, have steadily improved them, and have the resources to expand their functions and maintain them well.
Also, you'll want to choose a bank that does not charge for online banking.
The banks named above all offer online banking for free.

Sign Up
Some banks require you to fill out a special application to enroll in their online banking systems but many do not.
The banks named in the previous section all allow any customer to access their online banking systems without a special application.
The first time you log on, you'll be prompted to enter your identifying information, such as your account number, ATM card number or Social Security number.
You'll be asked to choose a user name and password, which should both be items that you can easily remember.
Your password should be different from the PIN code that you use at the bank's ATMs.


Account Setup You'll probably want to use your online banking system to pay bills, so you should gather all of your regular bills and set aside some time to enter the information about them into the system.
Also, make a list of your other expenses, like your rent or mortgage, car loan and other obligations for which you may not receive a statement, and write down the addresses where you normally send your payments.
Then go online and enter the data into the system.
Many online banking systems are already set up to pay many merchants, banks and other creditors electronically, and most have a search capability that allows you to find these organizations on their systems.
You probably will not need to enter the payment address for these organizations, but you'll still need to enter the correct account number from your statement.
Security
Make word documents of bank details BSB and Account numbers and save them in my documents to copy and paste them in when logging in to avoid spyware and keyloggers.

Recurring Payments

Most online banking systems have the ability to make recurring payments of a fixed amount at a regular interval that you specify.
This is especially useful when paying things like your rent, mortgage or car loan, which are usually the same amount each month and due at the same time of the month.
If you schedule a recurring payment, you won't need to worry about making your payment each month, as it will be made automatically for you.
However, if the amounts and/or due dates change, you'll need to go online and adjust them accordingly.

Other Functions

Virtually all online banking systems offer the ability to transfer money between accounts at the bank, or even to and from accounts at other institutions.
If you've made a practice of putting money in a savings account on regular basis, you can usually set up a recurring transfer for that amount, or, if you prefer, you can do it on an ad hoc basis.
Many systems offer a variety of other functions, such as obtaining copies of statements and canceled checks, issuing a stop payment, and ordering new checks.
Once you sign up for online banking, spend some time exploring your system and acquaint yourself with the various functions it offers.

Aug 15, 2013 | Computers & Internet

Tip

Manage Bank Accounts On Windows Mobile Phone With MoneyMate


Now-a-days, with stiff competition in the banking sector and free bank accounts being offered to almost everyone, one tends to open several accounts with different banks for different features. Then, you might have different kind accounts with the same bank like a Saving account, Current account etc. As the old adage goes – “excess of anything is bad”, the problem arises not in the opening of several bank accounts but in managing them. So just in case you are facing difficulties in keeping in mind the current status of your accounts, try MoneyMate. Its an account management application that helps you keep up to date with your finances.
MoneyMate will keep track of your accounts so you are always up to date with how much money you have available.


How Does It Work?
Simply record the transaction details every time you make or recieve a payment, and MoneyMate will calculate the balance so you always know the balance of your accounts. Never again get caught out at the checkout.
FEATURES :


  • Manage multiple accounts : MoneyMate keeps track of any number of accounts. The current balance of each account is shown on the home screen, so you can quickly see how much money you have available.
  • Scheduled Transactions : Monthly transactions such as rent, bills and salaries are handled automatically. Just tell MoneyMate on which date the transaction should take place, the amount and the description. MoneyMate will take care of the rest! Don’t know the exact amount? Just put in an estimate and MoneyMate will flag the transaction to let you know it needs to be updated.
So, always know how much money you have in your account with this freeware application for Windows Mobile phones.


REQUIREMENTS :
  • Windows Mobile Pocket PC 5 , 6 , 6.1

on Mar 05, 2010 | Cell Phones

1 Answer

Banking on line


Many banks have introduced online banking services in recent years.
These systems offer a high level of convenience to bank customers, allowing them to perform many banking functions from the privacy of their homes via the Internet.
Most online banking systems offer the ability to get account information, pay bills, make transfers between accounts, stop payment on checks and view current and previous statements.
If you've not yet enrolled in an online banking program but are considering doing so, the following information may be of assistance.

Selection

If you bank at a small bank or savings and loan, you may want to switch to a larger institution for your online banking needs.
Online banking systems are complex and expensive to implement and maintain, and smaller banks generally don't have the funds and other resources necessary to offer top-notch online banking services.
By contrast, large banks like Citibank, Chase, Bank of America and Wells Fargo have had online systems for many years, have steadily improved them, and have the resources to expand their functions and maintain them well.
Also, you'll want to choose a bank that does not charge for online banking.
The banks named above all offer online banking for free.

Sign Up
Some banks require you to fill out a special application to enroll in their online banking systems but many do not.
The banks named in the previous section all allow any customer to access their online banking systems without a special application.
The first time you log on, you'll be prompted to enter your identifying information, such as your account number, ATM card number or Social Security number.
You'll be asked to choose a user name and password, which should both be items that you can easily remember.
Your password should be different from the PIN code that you use at the bank's ATMs.


Account Setup You'll probably want to use your online banking system to pay bills, so you should gather all of your regular bills and set aside some time to enter the information about them into the system.
Also, make a list of your other expenses, like your rent or mortgage, car loan and other obligations for which you may not receive a statement, and write down the addresses where you normally send your payments.
Then go online and enter the data into the system.
Many online banking systems are already set up to pay many merchants, banks and other creditors electronically, and most have a search capability that allows you to find these organizations on their systems.
You probably will not need to enter the payment address for these organizations, but you'll still need to enter the correct account number from your statement.
Security
Make word documents of bank details BSB and Account numbers and save them in my documents to copy and paste them in when logging in to avoid spyware and keyloggers.

Recurring Payments

Most online banking systems have the ability to make recurring payments of a fixed amount at a regular interval that you specify.
This is especially useful when paying things like your rent, mortgage or car loan, which are usually the same amount each month and due at the same time of the month.
If you schedule a recurring payment, you won't need to worry about making your payment each month, as it will be made automatically for you.
However, if the amounts and/or due dates change, you'll need to go online and adjust them accordingly.

Other Functions

Virtually all online banking systems offer the ability to transfer money between accounts at the bank, or even to and from accounts at other institutions.
If you've made a practice of putting money in a savings account on regular basis, you can usually set up a recurring transfer for that amount, or, if you prefer, you can do it on an ad hoc basis.
Many systems offer a variety of other functions, such as obtaining copies of statements and canceled checks, issuing a stop payment, and ordering new checks.
Once you sign up for online banking, spend some time exploring your system and acquaint yourself with the various functions it offers.
Bank Online
Convenience is the name of the game with online banking.
Review your account balances, pay bills and order checks with the click of a button.

Make sure your current bank offers online banking.
If not, open a checking account with a bank that offers an online banking service.
Check to ensure that your computer hardware and software meet the bank's minimum requirements.

Sign up for online banking via the bank's Web site or at your local branch office.
You will need to provide basic, personal information.
Have your bank account numbers handy as well.
Log on to your account through your bank's Web site using the customer number and/or password assigned to you by your bank.
Run the demonstration program that most banks offer through their Web sites.
The demonstration will take you step by step through all of the online banking features available to you.

Aug 15, 2013 | Computers & Internet

2 Answers

How to check my previous balance on my passbook using my computer?


If this is financial savings account, normally referred to as your Passbook Account, Please do not pursue this line of question on this web site.

Do not follow any advice you receive that involves identifying you, your bank or your account number. Do not reveal any of this information to anyone for your security and safety

Please DO call your financial institution for help with this problem.

Thank you for visiting FixYa.com

Jun 30, 2011 | Computers & Internet

2 Answers

Can I get the asswer for the below questions


A book shop maintains the inventory of books that are being sold at the shop. The list has details like author, title, price, publisher and stock position. Whenever a customer wants a book, the sales person inputs the title and author and the system searches the list and displays a suitable message if it is not available. If it is available, the system displays the book details and requests for the number of copies required. If the copies are available, the total cost of the copies requested is displayed, otherwise the message ‘copies not in stock’ is displayed.
Design a system using a class called BOOKS with suitable member functions and constructors. Use new operator in constructors to allocate required memory space.

Nov 16, 2008 | Computers & Internet

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