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Kho bạc hóa đơn mua hàng, đầu tư đồng đô la, mua thương phiếu, Repos, ngân hàng, chấp nhận, và các loại tương tự Các dịch vụ khác. Thẻ tín dụng, chuyển tiền, quản lý tài khoản hưu trí, hộp tiền gửi an toàn, các dịch vụ tin tưởng và đầu tư, | Bank Issues and Concerns 29 Checking or demand deposit accounts. Checking accounts direct payroll deposit accounts zero-balance accounts wire transfer services online access and the like Cash management services. Lockboxes sweep accounts check reconciliation automatic investment of excess cash and the like Investment services. Treasury bill purchases Eurodollar investments commercial paper purchases REPOs bankers acceptances and the like Other services. Credit cards money orders retirement account management safe deposit boxes trust and investment services estate planning assistance travelers checks and the like Understanding these services is part of the cash manager s responsibility in order to ensure that necessary services are available from the banking institution and that unnecessary services are not being charged for as part of the cost of bank services. Any bank can provide virtually any service if not directly then through correspondent bank relationships. For the occasional need use of a correspondent bank is appropriate but if the service is required on a regular basis then it should be provided directly by the company s own bank. Paying for those services is appropriate but paying for services that are not used is an unnecessary cost that should be avoided. Bank Costs In considering the use of these banking services the company must recognize that there are costs associated with each. The bank will charge for any of these services that are used one way or another. The service charges may be itemized monthly and charged directly to the account as service charges or fees or they may be covered by the implicit earnings on non-interest-bearing accounts. Normally if the account is not charged directly for such bank services this means that balances are large enough to cover the costs of these services which means that bank balances might be higher than necessary. Therefore many companies prefer to maintain their excess funds in interest-bearing accounts and
