ABSTRACT

In account form analysis, a lot of discrepancies causes by manual aspect of the form such as: lost of form, inability to correct intakes, poor storage facilities have been a problem in the May fresh savings and loan limited account form. But in recent times, the computer has come to the aid of our banks, May fresh in particular.
The introduction of computer into the banking operation has to a great extent affected the mode of operation of banks in diverse ways. Computer has touched almost every application area in Banking such as: Savings account, current accounts, bank expenditure, fixed deposit, staff salary, incomes to the banks etc.
This work studies also t he procedure involved in taking proper account of information appraisal in the banks i.e being able to record customers’ information such as; Name, Address/Business, Address, Occupation, Age, Sex, Next of Kins, Address of kin, Signature, Date, Initial deposit, Passport etc. The design and implementation of window based from desk information system is to enhance the mode of operation or rather to keep proper storage of the information’s supplied by the new customers of the bank. With the computerized form of it, no much stress in writing down the information supplied by the customer and stores it in a database such that whenever reference is required, you can easily retrieve the particular information and make necessary use of it. The computerized software is very comprehensive and reliable if implemented.

CHAPTER ONE

INTRODUCTION

          Bank customers deposit money in the bank in form of saving, current and fixed deposit account.
(i)      SAVINGS ACCOUNT:
In this type of bank account, banks allow an individual to open an account with little amount of money ranging from N1000.00 upwards. Savings accounts are used and issued with banks passbooks when all record concerning the deposits and withdrawals made by the customer will be stated. Only individual owners are permitted to withdraw money from this account. The banks pay interest for any balance left in this account. Withdrawing can be made without prior notice.
(ii)     CURRENT ACCOUNT:
This type of bank account can be opened if a customer wishes to make payment by means of cheque. The holders are issued with cheque book which they use in withdrawing money from their accounts. The cheque is also used when a debtor wants to order the bank to pay his credit or on his behalf. The customer is also issued with the paying in­ slip to enable him deposit money in his account.
The software provides adequate and accurate records of any information-supplied by the customer and store it in a database such that whenever reference is require, you can easily retrieve the particular information and make necessary use of it. The computerized software is very comprehensive and reliable it implemented.
(iii)    FIXED DEPOSIT ACCOUNT:
This is sometimes called time deposit account and people who have surplus money to keep for upwards from six months. Agreement is reached between the customer and his banker during which the customer will not withdraw money from his account until the fixed data. If for any reason, the customer wants to withdraw money from his account until the fixed date. If any reason, the customer wants to withdraw money from the account before the fixed date or period, the banker will subject the customer to the payment of a penalty known as surcharge. The customer who waits for the expiration of the fixed period is entitled to a high rate interest.
The bank opens a ledger for the customer and a general cashbook for deposit, payments and withdrawals. When money is deposited, the bank debits its cashbook and credits the customer with the amount deposited. The bank will at the end of the month or when requested by the customer sends out a bank statement which gives a copy of the customers account and as if appears in the bank’s books. It should be that the balance shown in the bank statement should be exactly the same as the balance shown in the customer’s cashbook kept by him but in actual practice, they seldom agree the reason is that one or both is not up to date.
Account reconciliation could simply be defined as a means by which the differences that exist between a bank statements sent to a customer and the cash book kept by him are reconciled. This is achieved by what is known as the bank reconciliation statement.
The role of computer to every works of life has been a great relief to human endeavour the rapid growth of computers has been spread to every profession. The banking profession is not an exception.
The introduction of computer into banks has to a large extent promoted our live in many ways and will continue to do so, perhaps an even greater extent, computer has touched almost every field such as medical, legal, engineering, architecture, secretarial  activities, banking system is outstanding computer has lessened the problem normally procured in banking operation. For instance, in file handling expenses calculation, income account preparation, good working condition etc.
Banking operation was made automatic, easy and timely, you find out that you can pay in your money to your account at any cashier stand and collect some money as many times as possible from any cashier stand, if you have many cashiers. This is possible because once you pay in your money, the networked computer to various cashier and the server computer will play a great impart in helping the cashier to retrieve your information or account. When this is done, the changes you have made, debit and credit will be reflected immediately. This will help the cashier to easily update your account record. With this networked system of account can easily withdrawn many times without wasting anytime.
In front desk information system where this study centers on, computer has actually proved the edge on every other technological invention. The introduction of computer in this area has made the job procedures very interesting and enjoying. A lot of discrepancies caused by the mammal account from system are totally eliminated by the introduction is accurately and easily updated automatically, manipulated and maintained by the computerized system. Banks enjoys this new mention because you can easily handle information form the customers. The information can be stored in backup tape and kept in a good confinement. So, the problem of keeping and dumping lots of document will be limited.

AIMS/OBJECTIVES OF STUDY
          The primary aim of this research is to develop a new computerized system that will effectively carryout the operations of information requirement of the bank, promote and enhance the mode of the bank, with the human intervention. It was also aimed at providing opportunity for handling many customers at a time.
The objective of the study includes:

SCOPE/DELIMITATION
          This work is limited to front desk information system for new customers of the bank. It covers the information’s required to keep records of customers account. It also maintains comprehensive account information for easy reference purposes.

STATEMENT OF THE PROBLEM
          There are some factors that contribute to the differences between the bank’s statement and the customer’s cashbook. There are unaccredited cheques, un-presented cheques, bank charges, direct debt, standing order, dishonoured cheques.

PURPOSE OF STUDY
          The purpose of the study id to evaluate the present manual system of account reconciliation in banks and suggest avenues for improvement with the use of computers.

CONSTRAINTS OR LIMITATIONS
Time was very big obstacle to the progress of this research. In area of data collection, it took the researchers the grace of God to convince the workers or staff of the bank before they expose their secret records and the methods they have been using in greeting information and making their interest. The researcher utilized everything and every time possible to see this work through.

ASSUMPTION
It is assumed that this research will to a large extent help the hospital management in serving their clients better. It also assumed that the new system will save cost for the bank management on stencil stationary and only few staff will be require to run the new system.