[ ここから本文です ]

当座勘定規定

第1条(反社会的勢力との取引拒絶)
この当座勘定は、第26条第2項各号のいずれにも該当しない場合に利用することができ、26条第2項各号の一にでも該当する場合には、当行はこの当座勘定の開設をお断りするものとします。
第2条(当座勘定への受入れ)
  • 当座勘定には、現金のほか、手形、小切手、利札、郵便為替証書、配当金領収証その他の証券で直ちに取立てのできるもの(以下「証券類」という。)も受入れます。
  • 手形要件、小切手要件の白地はあらかじめ補充してください。当行は白地を補充する義務を負いません。
  • 証券類のうち裏書等の必要があるものは、その手続を済ませてください。
  • 証券類の取立てのため特に費用を要する場合には、店頭掲示の代金取立手数料に準じてその取立手数料をいただきます。
第3条(証券類の受入れ)
  • 証券類を受入れた場合には、当店で取立て、不渡返還時限の経過後その決済を確認したうえでなければ、支払資金としません。
  • 当店を支払場所とする証券類を受入れた場合には、当店でその日のうちに決済を確認したうえで、支払資金とします。
第4条(本人振込み)
  • 当行の他の本支店または他の金融機関を通じて当座勘定に振込みがあった場合には、当行で当座勘定元帳へ入金記帳したうえでなければ、支払資金としません。ただし、証券類による振込みについては、その決済の確認もしたうえでなければ支払資金としません。
  • 当座勘定への振込みについて、振込通知の発信金融機関から重複発信等の誤発信による取消通知があった場合には、振込金の入金記帳を取消します。
第5条(第三者振込み)
  • 第三者が当店で当座勘定に振込みをした場合に、その受入が証券類によるときは、第3条と同様に取扱います。
  • 第三者が当行の他の本支店または他の金融機関を通じて当座勘定に振込みをした場合には、第4条と同様に取扱います。
第6条(受入証券類の不渡り)
  • 前3条によって証券類による受入れまたは振込みがなされた場合に、その証券類が不渡りとなったときは、直ちにその旨を本人に通知するとともに、その金額を当座勘定元帳から引落し、本人からの請求がありしだいその証券類は受入れた店舗、または振込みを受付けた店舗で返却します。ただし、第5条の場合の不渡証券類は振込みをした第三者に返却するものとし同条第1項の場合には、本人を通じて返却することもできます。
  • 前項の場合には、あらかじめ書面による依頼を受けたものに限り、その証券類について権利保全の手続をします。
第7条(手形、小切手の金額の取扱い)
手形、小切手を受入れまたは支払う場合には、複記のいかんにかかわらず、所定の金額欄記載の金額によって取扱います。
第8条(手形、小切手の支払)
  • 小切手が支払のために呈示された場合、または手形が呈示期間内に支払のために呈示された場合には、当座勘定から支払います。
  • 当座勘定の払戻しの場合には、小切手を使用することができます。
  • 手形、小切手を使用する場合には、当行所定の手数料をいただきます。
第9条(手形、小切手用紙)
  • 当行を支払人とする小切手または当店を支払場所とする約束手形を振出す場合には、当行が交付した用紙を使用してください。
  • 当店を支払場所とする為替手形を引受ける場合には、預金業務を営む金融機関の交付した手形用紙であることを確認してください。
  • 前2項以外の手形または小切手については、当行はその支払をしません。
  • 手形用紙、小切手用紙の請求があった場合には、必要と認められる枚数を前条の手数料と引換えに交付します。
第10条(支払の範囲)
  • 呈示された手形、小切手等の金額が当座勘定の支払資金をこえる場合には、当行はその支払義務を負いません。
  • 手形、小切手の金額の一部支払はしません。
  • 呈示された手形、小切手は、呈示日の15時までに当座勘定に受入れまたは振込みされた資金により支払います。
第11条(支払の選択)
同日に数通の手形、小切手等の支払をする場合にその総額が当座勘定の支払資金をこえるときは、そのいずれを支払うかは当行の任意とします。
第12条(過振り)
  • 第10 条の第1 項にかかわらず、当行の裁量により支払資金をこえて手形、小切手等の支払をした場合には、当行からの請求がありしだい直ちにその不足金を支払ってください。
  • 前項の不足金に対する損害金の割合は年14%(年365 日の日割計算)とし、当行所定の方法によって計算します。
  • 第1項により当行が支払をした後に当座勘定に受入れまたは振込まれた資金は、同項の不足金に充当します。
  • 第1項による不足金、および第2項による損害金の支払がない場合には、当行は諸預り金その他の債務と、その期限のいかんにかかわらず、いつでも差引計算することができます。
  • 第1項による不足金がある場合には、本人から当座勘定に受入れまたは振込まれている証券類は、その不足金の担保として譲り受けたものとします。
第13条(手数料等の引落し)
  • 当行が受取るべき貸付金利息、割引料、手数料、保証料、立替費用、その他これに類する債権が生じた場合には、小切手によらず、当座勘定からその金額を引落すことができるものとします。
  • 当座勘定から各種料金等の自動支払をする場合には、当行所定の手続をしてください。
  • 当行が別に定める時限以降に当座勘定に受入した資金は、入金日における各種料金等の自動支払には充当しません。
第14条(支払保証に代わる取扱い)
小切手の支払保証はしません。ただし、その請求があるときは、当行は自己宛小切手を交付し、その金額を当座勘定から引落します。
第15条(印鑑等の届出)
  • 当座勘定の取引に使用する印鑑(または署名鑑)は、あらかじめ当行所定の方法により届出てください。
  • 代理人により取引をする場合には、本人からその氏名と印鑑(または署名鑑)を前項と同様に届出てください。
第16条(届出事項の変更)
  • 手形、小切手、約束手形用紙、小切手用紙、印章を失った場合、または印章、名称、商号、代表者、代理人、住所、電話番号その他届出事項に変更があった場合には、直ちに当行所定の方法により届出てください。
    預金口座の開設の際には、法令で定める本人確認等の確認を行います。この確認事項に変更があったときは、直ちに当行所定の方法により届出てください。
  • 前項の届出の前に生じた損害については、当行は責任を負いません。
  • 第1項による届出事項の変更の届出がなかったために、当行からの通知または送付する書類等が延着しまたは到達しなかった場合には、通常到達すべき時に到達したものとみなします。
第17条(成年後見人等の届出)
  • 家庭裁判所の審判により、補助・保佐・後見が開始された場合には、直ちに成年後見人等の氏名その他必要な事項を書面によって届出てください。預金者の成年後見人等について、家庭裁判所の審判により、補助・保佐・後見が開始された場合も同様に届出てください。
  • 家庭裁判所の審判により、任意後見監督人の選任がされた場合には、直ちに任意後見人の氏名その他必要な事項を書面によって届出てください。
  • 既に補助・保佐・後見開始の審判を受けている場合、または任意後見監督人の選任がなされている場合にも、①および②と同様に届出てください。
  • ①から③の届出事項に取消または変更等が生じた場合にも同様に届出てください。
  • ①から④の届出の前に生じた損害については、当行は責任を負いません。
第18条(印鑑照合等)
  • 手形、小切手または諸届け書類に使用された印影または署名を、届出の印鑑(または署名鑑)と相当の注意をもって照合し、相違ないものと認めて取扱いましたうえは、その手形、小切手、諸届け書類につき、偽造、変造、その他の事故があっても、そのために生じた損害については、当行は責任を負いません。
  • 手形、小切手として使用された用紙を、相当の注意をもって第9条の交付用紙であると認めて取扱いましたうえは、その用紙につき模造、変造、流用があっても、そのために生じた損害については、前項と同様とします。
  • この規定および別に定める手形用法、小切手用法に違反したために生じた損害についても、第1項と同様とします。
第19条(振出日、受取人記載もれの手形、小切手)
  • 手形、小切手を振出しまたは為替手形を引受ける場合には、手形要件、小切手要件をできるかぎり記載してください。もし、小切手もしくは確定日払の手形で振出日の記載のないものまたは手形で受取人の記載のないものが呈示されたときはその都度連絡することなく支払うことができるものとします。
  • 前項の取扱いによって生じた損害については、当行は責任を負いません。
第20条(線引小切手の取扱い)
  • 線引小切手が呈示された場合、その裏面に届出印の押なつ(または届出の署名)があるときは、その持参人に支払うことができるものとします。
  • 前項の取扱いをしたため、小切手法第38 条第5項の規定による損害が生じても、当行はその責任を負いません。また、当行が第三者にその損害を賠償した場合には、振出人に求償できるものとします。
第21条(自己取引手形等の取扱い)
  • 手形行為に取締役会の承認、社員総会の認許その他これに類する手続きを必要とする場合でも、その承認等の有無について調査を行うことなく、支払をすることができます。
  • 前項の取扱いによって生じた損害については、当行は責任を負いません。
第22条(利息)
当座預金には利息をつけません。
第23条(残高の報告)
当座勘定の受払または残高の照会があった場合には、当行所定の方法により報告します。
第24条(譲渡、質入れの禁止)
この預金は、譲渡または質入れすることはできません。
第25条(取引等の制限)
  • 預金者が当行からの各種確認や資料の提出の依頼に正当な理由なく別途定める期日までに回答しない場合には、払戻し等の預金取引の一部を制限する場合があります。
  • 1年以上利用のない預金口座は、払戻し等の預金取引の一部を制限する場合があります。
  • 日本国籍を保有せず本邦に居住する預金者は、当行の求めに応じ適法な在留資格・在留期間を保持している旨を当行所定の方法により届け出るものとします。当該預金者が当行に届け出た在留期間が超過した場合、払戻し等の預金取引の一部を制限することができるものとします。
  • 当行が別途定める「当行金融サービスに対する濫用防止方針」を踏まえ、第1項の各種確認や資料の提出の依頼に対する預金者の対応、具体的な取引の内容、預金者の説明内容、およびその他の事情を考慮して、当行がマネー・ローンダリング、テロ資金供与、もしくは経済制裁への抵触のおそれがあると判断した場合には、次の取引について制限を行うことができるものとします。
  1. 不相当に多額または頻繁と認められる現金での入出金取引
  2. 外国送金、外貨預金、両替取引、貿易取引等外為取引全般
  3. 当行がマネー・ローンダリング、テロ資金供与、または経済制裁への抵触のリスクが高いと判断した個別の取引
  • 第1項から第4項に定めるいずれの取引等の制限についても、預金者から合理的な説明がなされたこと等により、マネー・ローンダリング、テロ資金供与、または経済制裁への抵触のおそれが解消されたと認められる場合、当行は速やかに前4項の取引等の制限を解除します。
第26条(解約)
  • この取引は、当事者の一方の都合でいつでも解約することができます。ただし、当行に対する解約の通知は書面によるものとします。
  • 次の各号のいずれかに該当した場合には、当行はこの預金取引を停止し、または預金者に通知することによりこの当座勘定を解約することができるものとします。なお、通知により解約する場合、到達のいかんにかかわらず、当行が解約の通知を届出のあった氏名、住所にあてて発信した時に解約されたものとします。
  1. この当座勘定の名義人が存在しないことが明らかになった場合または当座勘定の名義人の意思によらず開設されたことが明らかになった場合
  2. この当座勘定の預金者が第25条第1項に違反した場合
  3. この預金が本邦または外国の法令・規制や公序良俗に反する行為に利用され、またはそのおそれがあると認められる場合
  4. 法令で定める本人確認等における確認事項、および第25条第1項で定める当行からの通知等による各種確認や提出された資料が偽りである場合
  5. この預金がマネー・ローンダリング、テロ資金供与、経済制裁に抵触する取引に利用され、またはそのおそれがあると当行が認め、マネー・ローンダリング等防止の観点で当行が預金口座の解約が必要と判断した場合
  6. 第25条第1項から第3項に定める取引等の制限に係る事象が1年以上に渡って解消されない場合
  7. 第1号から第6号の疑いがあるにもかかわらず、正当な理由なく当行からの確認に応じない場合
  • 前項のほか、次の各号のいずれかに該当し、当行が取引を継続することが不適切である場合には、当行はこの取引を停止し、または解約の通知をすることによりこの当座勘定を解約することができるものとします。通知により解約する場合には到達のいかんにかかわらず、その通知を発信したときに解約されたものとします。なお、この解約によって生じた損害については、当行は責任を負いません。また、この解約により当行に損害が生じたときは、その損害額を支払ってください。
  1. 当座勘定開設申込時にした表明・確約に関して虚偽の申告をしたことが判明した場合
  2. 本人が暴力団、暴力団員、暴力団員でなくなった時から5年を経過しない者、暴力団準構成員、暴力団関係企業、総会屋等、社会運動等標ぼうゴロまたは特殊知能暴力集団等、その他これらに準ずる者(以下これら「暴力団員等」という。)に該当し、または次のいずれかに該当することが判明した場合
  • 暴力団員等が経営を支配していると認められる関係を有すること
  • 暴力団員等が経営に実質的に関与していると認められる関係を有すること
  • 自己、自社もしくは第三者の不正の利益を図る目的または第三者に損害を加える目的をもってするなど、不当に暴力団員等を利用していると認められる関係を有すること
  • 暴力団員等に対して資金等を供給し、または便宜を供与する等の関与をしていると認められる関係を有すること
  • 役員または経営に実質的に関与している者が暴力団員等と社会的に非難されるべき関係を有すること
  • 本人が、自らまたは第三者を利用して次のいずれか一にでも該当する行為をした場合
  • 暴力的な要求行為
  • 法的な責任を超えた不当な要求行為
  • 取引に関して、脅迫的な言動をし、または暴力を用いる行為
  • 風説を流布し、偽計を用いまたは威力を用いて当行の信用を毀損し、または当行の業務を妨害する行為
  • その他AからDに準ずる行為
  • 当行が解約の通知を届出の住所にあてて発信した場合に、その通知が延着しまたは到達しなかったときは、通常到達すべきときに到達したものとみなします。
  • 手形交換所の取引停止処分を受けたために、当行が解約する場合には、到達のいかんにかかわらず、その通知を発信した時に解約されたものとします。
第27条(取引終了後の処理)
  • この取引が終了した場合には、その終了前に振出された約束手形、小切手または引受けられた為替手形であっても、当行はその支払義務を負いません。
  • 前項の場合には、未使用の手形用紙、小切手用紙は直ちに当店へ返却するとともに、当座勘定の決済を完了してください。
第28条(手形交換所規則による取扱い)
  • この取引については、前各条のほか、関係のある手形交換所の規則に従って処理するものとします。
  • 関係のある手形交換所で災害、事変等のやむを得ない事由により緊急措置がとられている場合には、第8条の第1項にかかわらず、呈示期間を経過した手形についても当座勘定から支払うことができるなど、その緊急措置に従って処理するものとします。
  • 前項の取扱いによって生じた損害については、当行は責任を負いません。
第29条(個人信用情報センターへの登録)
個人取引の場合において、つぎの各項の事由が一つでも生じたときは、その事実を銀行協会の運営する個人信用情報センターに5年間(ただし、下記第3号の事由の場合のみ6ヵ月間)登録し、同センターの加盟会員ならびに同センターと提携する個人信用情報機関の加盟会員は自己の取引上の判断のため利用できるものとします。
  1. 差押、仮差押、支払停止、破産等信用欠如を理由として解約されたとき。
  2. 手形交換所の取引停止処分を受けたとき。
  3. 手形交換所の不渡報告に掲載されたとき。
第30条(民間公益活動を促進するための休眠預金等に係る資金の活用に関する法律について)
この預金について10年を越えて入出金等の異動がなかった場合は、民間公益活動を促進するための休眠預金等に係る資金の活用に関する法律第2条6項の休眠預金等に該当するものとして、この預金にかかる資金は、同法第7条にもとづき預金保険機構に移管されます。休眠預金等に関しては、休眠預金規定が適用されます。
第31条(規定の変更)
  • この規定の各条項その他の条件は、金融情勢の状況の変化その他相当の事由があると認められる場合には、当行ウェブサイトへの掲載による公表その他相当の方法で周知することにより、変更できるものとします。
  • 前項の変更は、公表等の際に定める適用開始日から適用されるものとします。
以上
(2022年4月11日現在)

TERMS AND CONDITIONS OF CURRENT ACCOUNTS

Article 1. Refusal of Transaction with Anti-Social Forces
The Current Account shall be made available in case that the Customer does not fall under any of the categories listed in any Items of Article 26, Paragraph 2, and the Bank shall not accept an application for the opening of the Current Account in case that the Customer falls under any of the categories listed in any Items of Article 26, Paragraph 2.
Article 2. Items for Deposit
  • In addition to cash, the Bank will accept checks, promissory notes, bills of exchange, interest coupons, postal money orders, dividend warrants, and other immediately collectable instruments (hereinafter referred to as“Instruments”) for deposit in Current Accounts.
  • Prior to depositing checks, promissory notes, or bills of exchange, the depositor is required to fill in all blanks and to provide all information which is required by law for the validity of such instruments. The Bank is not obligated to complete any incomplete form.
  • Before submitting any Instrument to the Bank for deposit, the depositor must endorse the Instrument and complete all other formalities necessary to render it ready for collection.
  • All expenses, if any, relating to the collection of Instruments will be charged to the depositor in accordance with the Bank’s collection fee schedule, which is posted at the Bank’s offices.
Article 3. Receipt of Instruments for Deposit
  • The proceeds of any and all Instruments received from the depositor for deposit by the Bank’s office where the depositor’s Current Account is maintained (hereinafter referred to as the“Depository Office”), will not be available for payment before the Bank has ascertained that the Instruments for collection have been settled by verifying that they have not been returned within the prescribed period for returning dishonored Instruments.
  • The proceeds of any Instrument received for deposit by and payable at the Depository Office will be made available for payment on the day of receipt of the Instrument, but not until the Depository Office has confirmed settlement of the Instrument.
Article 4. Remittance by Depositor
  • The proceeds of any and all Instruments received from the depositor for deposit by the Bank’s office where the depositor’s Current Account is maintained (hereinafter referred to as the“Depository Office”), will not be available for payment before the Bank has ascertained that the Instruments for collection have been settled by verifying that they have not been returned within the prescribed period for returning dishonored Instruments.
  • The proceeds of any Instrument received for deposit by and payable at the Depository Office will be made available for payment on the day of receipt of the Instrument, but not until the Depository Office has confirmed settlement of the Instrument.
Article 5. Deposits by a Third Party
  • The provisions of Article 3 shall apply mutatis mutandis to Instruments which have been received at the Depository Office from a third party for deposit in the Current Account.
  • The provisions of Article 4 shall apply mutatis mutandis to deposits remitted by a third party through another financial institution or one of the Bank’s offices other than the Depository Office.
Article 6. Dishonor of Received Instruments
  • The Bank will promptly notify the depositor if an Instrument received for deposit in, or for remittance to, the Current Account as provided for in the preceding three Articles is dishonored and at the same time reverse the relevant entry in the Current Account Ledger. Upon request, the dishonored Instrument will be returned to the depositor at the office where the Instrument was received. If the dishonored Instrument was received from a third party as provided for in Article 5, it will be returned to that third party. However, in a situation in which Article 5, Paragraph 1 applies, the Bank may return the dishonored Instrument through the depositor to the third party that deposited it.
  • When the preceding Paragraph applies, the Bank will take procedures to preserve the holder’s rights in respect of a dishonored Instrument only if it has received a written request to do so.
Article 7. Procedure for Face Value Recognition
When receiving or paying checks, promissory notes, or bills of exchange, the Bank will rely on and assume the amount as shown in the place specified for value to be correct, regardless of any other indications that may be shown elsewhere, whether in words or figures.
Article 8. Payment of Checks, Promissory Notes and Bills of Exchange
  • The Bank is authorized to and will pay, by debiting the Current Account, checks presented for payment and promissory notes or bills of exchange presented for payment within the period prescribed for presentation.
  • Withdrawals from the Current Account shall be made by check.
  • When using promissory notes, bills of exchange or checks, lifting charge prescribed by the Bank will be charged to the depositor.
Article 9. Forms for Checks, Promissory Notes, and Bills of Exchange
  • The depositor is required to use the forms provided by the Bank when drawing checks on the Bank or promissory notes payable at the Depository Office.
  • When accepting bills of exchange payable at the Depository Office, the depositor is required to ascertain that the forms for such have been provided by financial institutions which are authorized to receive deposits.
  • The Bank will not honor any check, promissory note, or bill of exchange which does not comply with Paragraphs 1 and 2 of this Article.
  • Upon request, the Bank will provide the depositor with a reasonable quantity of check, promissory note, and bill of exchange forms, at cost.
Article 10. Payment Limits
  • The Bank is not obligated to pay checks, promissory notes, or bills of exchange, etc., presented for payment in excess of the funds available for payment in the Current Account.
  • The Bank will not make any partial payments on checks, promissory notes, or bills of exchange.
  • Payment for checks, promissory notes, or bills of exchange presented will be made from the funds received for deposit in the Current Account no later than 15:00 hrs. on the day such documents are presented.
Article 11. Choice of Payment
If the total amount of all checks, promissory notes, or bills of exchange, etc., received to be paid on the same business day exceeds the funds available for payment in the Current Account, then the Bank may select, at its sole discretion, on which instruments to make payments.
Article 12. Excessive Drawing
  • When the Bank, notwithstanding Article 10, Paragraph 1, has paid at its discretion a check, promissory note, or bill of exchange, etc., in excess of the funds available for payment, the depositor shall reimburse the Bank, immediately upon demand, for payment of the deficiency.
  • Damages resulting from the payment of the deficiency mentioned in the preceding Paragraph shall be calculated at the rate of 14% per annum (on a par diem basis based on a 365 day year), pursuant to the method specified by the Bank.
  • Any funds received for deposit in the Current Account after the Bank has made a payment as provided for in Paragraph 1 of this Article will be first allocated to reimburse the Bank for payment of the deficiency.
  • Should the depositor fail to reimburse the Bank as provided for in Paragraph 1 of this Article, or fail to pay damages as provided for in Paragraph 2 of this Article, the Bank shall be entitled to set off all such claims at any time against any and all accounts or liabilities of the Bank to the depositor regardless of their maturities.
  • As long as any liability to reimburse the Bank for payment of a deficiency as provided for in Paragraph 1 of this Article is outstanding, all Instruments received by the Bank from the depositor for deposit in the Current Account shall be deemed to be assigned to the Bank as security for such reimbursement liability.
Article 13. Debits for Bank Charges, etc.
  • The Bank may at any time, without using checks, deduct funds from the Current Account to cover the interest on loans, discount charges, service fees, guarantee fees, expenses, and other similar charges owed to the Bank by the depositor.
  • For automatic payment of various charges, etc., from the Current Account, the depositor must follow the procedures prescribed by the Bank.
  • The funds received in the Current Account at or later than the time specified separately by the Bank will not be allocated for automatic payment of various charges on the same day.
Article 14. Cashier’s Checks
The Bank will not certify or guarantee any checks drawn by the depositor. Instead, the Bank will issue Cashier’s Checks upon request, deducting the amount of the Cashier’s Checks from the Current Account.
Article 15. Filing of Seal Impression, etc.
  • A specimen of the seal impression or signature to be used for Current Account transactions must be filed with the Bank in advance on the form provided by the Bank through procedures prescribed by the Bank.
  • If Current Account transactions are to be effected by a proxy, the name and a specimen of the seal impression or signature of the proxy must also be filed with the Depository Office by the depositor in the same manner as provided for in the preceding Paragraph :
Article 16. Changes in Matters Filed
  • Immediate notice must be provided in writing to the Bank of loss of any check, promissory note, bill of exchange, blank form of any check or promissory note, or the seal, as well as of any change in respect of any matters filed with the Bank, such as the depositor’s name, trade name, representative, proxy, seal, address or telephone number, through procedures prescribed by the Bank.
    When the Bank intends to conclude a contract for opening of the Current Account with a person and/or legal entity who wishes to open the Current Account, the Bank will confirm, pursuant to the provisions of applicable laws and regulations, the identity of the person and/or legal entity for the filing. Immediate notice must be provided, pursuant to the procedure specified by the Bank, to the Bank of any change in respect of the information regarding the identity of the person and/or legal entity filed with the Bank.
  • The Bank is not responsible for any damages caused prior to the receipt of a written notice as provided for in the preceding Paragraph.
  • Any notice or document, etc., sent by the Bank that is received late or fails to reach the depositor due to the depositor’s failure to notify the Depository Office of any changes as required in Paragraph 1 of the Article, shall be deemed to have arrived at the time it normally should have arrived.
Article 17. Filling of guardian for majority (Seinen-Kouken-Nin) etc.
  • When guardianship (Kouken), curatorship (Hosa), or assistance (Hojo) is commenced by adjudication of the family court, immediate notice must be provided in writing to the Depository Office of name of guardian for majority (Seinen-Kouken-nin) and other prescribed matter. When guardianship (Kouken), curatorship (Hosa), or assistance (Hojo) is commenced for the depositor by adjudication of the family court, immediate notice must be also provided in writing to the Depository Office of name of guardian for majority (Seinen-Kouken-nin) and other prescribed matter.
  • When a supervisor of voluntary guardian (Nin-i-Kouken-Kantoku-nin) is appointed by adjudication of the family court, immediate notice must be provided in writing to the Depository Office of name of voluntary guardian (Nin-i-Kouken-nin) and other prescribed matter.
  • When guardianship, curatorship or assistance has been commenced or a supervisor of voluntary guardian has been appointed, immediate notice must be provided as prescribed in the Paragraph 1 and 2 of this Article.
  • Immediate notice must be also provided of any change in respect of any matter filed with Depository Office in accordance with the Paragraph 1 through 3 of this Article.
  • The Bank is not responsible for any damages caused prior to the receipt of a written notice as provided for in the Paragraph 1 through 4 of this Article.
Article 18. Authenticity of Seal Impression, etc.
  • The Bank is not responsible for any damages arising from forgery, alteration, or other wrongful acts in respect of checks, promissory notes, bills of exchange, or other items submitted to the Bank, so long as the Bank has verified with reasonable care the seal impression(s) or signature(s) appearing on such items against the specimens filed with the Depository Office.
  • The provisions of the preceding Paragraph shall apply mutatis mutandis to all damages that may result from imitation, alteration or misappropriation of check, promissory note, or bill of exchange forms used, so long as the Bank has believed, with reasonable care, that the checks, promissory notes, or bills of exchange presented to it have been made on the proper forms mentioned in Article 9.
  • The provisions of Paragraph 1 of this Article shall also apply mutatis mutandis to any damages which result from the violation of these Terms and Conditions of Current Accounts (hereinafter referred to as “the Terms and Conditions”), or any other directions issued by the Bank in regard to the use of Check, promissory note, and bill of exchange forms.
Article 19. Checks, etc., with Blanks
  • In drawing checks, promissory notes, or bills of exchange, or in accepting bills of exchange, the depositor is required to fill in all blanks as completely as possible, as required by law for the validity of such instruments. Notwithstanding any omissions, the Bank may pay without notifying the depositor:
  • checks, promissory notes, or bills of exchange payable on a fixed date which lack the drawing date ; or
  • promissory notes or bills of exchange which lack the payee’s name.
  • The Bank is not responsible for any damages that may result from any actions taken in accordance with the preceding Paragraph.
Article 20. Crossed Checks
  • The Bank may pay the bearer of a crossed check that is presented for payment which bears on its reverse side the depositor’s seal impression or signature as filed with the Depository Office.
  • The Bank is not responsible for any damages covered by Article 38, Paragraph 5 of the Law on Cheques of Japan which arise from any actions taken in accordance with the preceding Paragraph. If, however, as a result of any such action the Bank is compelled to pay damages to a third party, the Bank shall be entitled to reimbursement from the depositor.
Article 21. Inquiry Waived
  • The Bank may pay any promissory note or bill of exchange without inquiring as to whether any necessary approval has been received, even if any act related to the promissory note or bill of exchange requires the approval of a board of directors or meeting of shareholders, or some other procedures of a similar type.
  • The Bank is not responsible for any damages that may result from any actions taken in accordance with the preceding Paragraph.
Article 22. Interest
The Bank will not pay any interest on credit balances in the Current Account.
Article 23. Information on Balances
Upon request, the Bank will furnish the depositor with information on entries in or the balance of the Current Account in accordance with the procedures specified by the Bank.
Article 24. Prohibition of Transfer or Pledge
The depositor may not transfer or pledge the deposit in the Current Account.
Article 25. Restrictions of Transactions under the Current Account, etc.
  • If the depositor does not respond to various kinds of confirmation or a request for document submission from the Bank by the time separately specified by the Bank without justifiable reason, the Bank may restrict some transactions under the Current Account, such as withdrawals.
  • If the Current Account is not used for over one (1) year, the Bank may restrict some transactions under the Current Account, such as withdrawals.
  • Upon request from the Bank, the depositor who resides in Japan without Japanese nationality shall report to the Bank pursuant to the method specified by the Bank that the depositor has a valid status of residence and period of stay. If the permitted period of stay filed with the Bank expires, the Bank shall be able to restrict some transactions under the Current Account, such as withdrawals.
  • If the Bank determines that the depositor poses the risk of money laundering, terrorist financing or a violation of sanctions, after taking into account the depositor’s action in response to confirmation on matters regarding the identity or a request for document submission as set forth in Paragraph 1 of this Article, specific transaction details, explanations provided by the depositor and other circumstances, in light of the “BTMU Financial Service Anti-Abuse Policy” separately set forth by the Bank, the Bank shall be able to restrict the following account transactions.
  • Unreasonably high-value or frequent cash transactions for deposits and withdrawals
  • Overall foreign exchange transactions, such as cross-border funds transfers, foreign currency deposits, money exchange transactions and trade transactions
  • Specific transactions that the Bank determined pose high risk of money laundering and terrorist financing and a violation of sanctions
  • Notwithstanding restrictions of transactions under the Current Account, etc. set forth in Paragraphs 1 through 4 of this Article, if a concern over money laundering, terrorist financing or a violation of sanctions is confirmed to be addressed by the depositor’s reasonable explanation or other means, the Bank may immediately lift restrictions of transactions under the Current Account listed in the preceding four (4) Paragraphs.
Article 26. Termination
  • The Current Account may be terminated at any time at the discretion of either party. Notice of termination by the Customer shall be in writing.
  • If the Current Account falls under any of the categories in any of the following items, the Bank may suspend transactions under the Current Account, or after serving the notice to the Customer, terminate the Current Account. If the Bank terminates the Current Account with the notice, the Current Account shall be deemed to have been terminated when the Bank dispatches the termination notice to the Customer’s name and address filed by the Customer with the Bank, regardless of the delivery status of the notice.
  • It becomes clear that the Current Account holder does not exist; or that the Current Account was opened without the intention of the Current Account holder
  • The depositor of the Current Account violates Paragraph 1 of Article 25 of the Terms and Conditions.
  • The deposit in the Current Account is utilized or at risk of being utilized for an act that violates laws and regulations or the public policy of decency in Japan and overseas
  • The information confirmed in the process of customer identification set forth by laws, as well as the information confirmed and documents submitted in response to a notice from the Bank or other requests set forth in Paragraph 1 of Article 25 of the Terms and Conditions are false
  • The Bank confirms that the deposit is utilized or at risk of being utilized for money laundering, terrorist financing or a transaction that violates sanctions, thereby determining that the Bank must terminate the Current Account to prevent these activities
  • Any of the conditions relating to restrictions of transactions under the Current Account, etc. set forth in Paragraphs 1 through 3 of Article 25 of the Terms and Conditions are not resolved for over one (1) year
  • The Customer does not respond to confirmation from the Bank without justifiable reason despite the fact that the customer is suspected of falling under any of the categories in items i through vi of this paragraph
  • In addition to the circumstances set out in the preceding Paragraph, if the Customer falls under any of the categories in any of the following Items and if the Bank determines it inappropriate for the Bank to continue transactions with the Customer, the Bank may suspend transactions under the Current Account or, after serving the notice to the Customer, terminate the Current Account. The termination of the Current Account is valid at the point of which the Bank dispatches the notice even if the notice does not reach the Customer. The Bank shall not be liable for any damages incurred by the Customer, but the Customer shall be liable for the damages incurred by the Bank, due to such termination.
  • In case that the representatives and covenants made by the Customer at the time of application for the opening of the Current Account have proved to be false
  • The Customer does not, and shall not in the future, fall under any of the organized crime syndicate, its member, its ex-member who left the syndicate as recent as less than five (5) years ago, quasi-member of any such syndicate, entity affiliated with any such syndicate, sokaiya corporate racketeer, blackmailer camouflaged as social movement activist or organized crime syndicate specialized in intellectual crimes, and any entity or individual similar to any of the above (collectively, “Member, etc. of Criminal Syndicate”), nor fall under any of the following:
  • for the Customer to have a relationship in which its business is deemed to be controlled by the Member, etc. of Criminal Syndicate
  • for the Customer to have a relationship in which it is deemed to involve the Member, etc. of Criminal Syndicate in the management of the Customer’s business in substance
  • for the Customer to have a relationship in which it is deemed that the Customer utilizes the Member, etc. of Criminal Syndicate unlawfully such as to implement its own unlawful interest of, or to inflict damages to, any third party
  • for the Customer to have a relationship which it is deemed that it is affiliated with the Member, etc. of Criminal Syndicate by way of provision of fund or other interests
  • for an officer or other person engaged in substance in the management of business of the Customer to have a socially reproachful relationship with the Member, etc. of Criminal Syndicate
  • In case that the Customer, by itself or by utilizing any third party, commits any of the following acts:
  • to make a threatening demand
  • to make an unlawful demand beyond
  • to utilize a threatening speech or behavior or illegal force in relation with any transaction
  • to injure the reputation or interfere with the business, of the Bank by distributing a false rumor or through fraudulent means or unlawful influence
  • to implement an act similar to any of the acts stipulated in A to D above.
  • If a termination notice dispatched by the Bank to the Customer at its address as filed with the Bank cannot be delivered or delivery is delayed, such notice shall be deemed to have arrived at the time it normally should have arrived.
  • If the Bank terminates the Current Account in accordance with the rules and regulations of a Clearing House demanding the suspension of transactions with the Customer that termination shall take effect immediately upon dispatch of the Bank’s termination notice, regardless of whether the notice reaches the Customer.
Article 27. Post-Termination Procedure
  • Once the Current Account has been terminated, the Bank is not responsible for payment of checks or promissory notes drawn by the depositor or bills of exchange accepted by the depositor prior to the termination.
  • Once the Current Account has been terminated, the depositor shall immediately return all unused check, promissory note, and bill of exchange forms to the Depository Office, and at the same time settle the Current Account.
Article 28. Clearing House Rules
  • In addition to the terms of the Terms and Conditions, Current Account transactions are also subject to the rules and regulations of the applicable Clearing House.
  • When the applicable Clearing House implements emergency measures due to unavoidable circumstances such as natural disasters or other local/ national emergencies, then the Bank may take appropriate actions in accordance with these measures, such as paying promissory notes or bills of exchange presented for payment after the prescribed period for presentation has elapsed notwithstanding Article 8, Paragraph 1, by debiting the Current Account.
  • The Bank is not responsible for any damages that may result from any actions taken in accordance with the preceding Paragraph.
Article 29. Records at the Credit Information Center
If the depositor is an individual, any of the events enumerated below which affect the depositor will be entered and kept on file for five years (except in the case of item iii, on which information will be kept for six months) at the Credit Information Center operated by the Banker’s Association. Each of the members of the Credit Information Center and each member of those credit information institutions to which the Credit Information Center is linked may utilize such information in connection with its transactions.
  • Termination of the Current Account due to a decline in the depositor’s credit standing as a result of attachment, provisional attachment, suspension of payment, bankruptcy, etc. ;
  • Suspension of the depositor’s transactions with banks and similar institutions due to an order of a Clearing House ;
  • Appearance of the depositor’s name in a Clearing House’s report of dishonored cases.
Article 30. (The Act on Utilization of Funds Related to Dormant Deposits to Promote Public Interest Activities by the Private Sector)
If there is no account activity such as deposits and withdrawals for ten (10) years or more, such funds shall be fall under “dormant deposits” set forth in Paragraph six (6) of Article 2 of the Act on Utilization of Funds Related to Dormant Deposits to Promote Public Interest Activities by the Private Sector, and the funds in such account shall be transferred to the Deposit Insurance Corporation of Japan pursuant to Article 7 of the Act. Rules on Dormant Deposits apply to dormant deposits.
Article 31. Changes to Rules
  • If changes occur to the financial situation or other circumstances, or other reasonable circumstances are acknowledged, the provisions of these Rules or other terms may be changed by announcing changes through publishing on the Bank’s website or publicizing changes by another suitable method.
  • The changes set forth in the preceding paragraph shall apply from the date of time established when announcing changes. (This English translation is for the convenience of the depositor only. Any and all questions which may arise in regard to the meaning of the words, provisions and stipulations of these Current Account Regulations shall be interpreted in accordance with the Japanese original.)
END
 (Current as of April 11, 2022)