“Ginkô Kôza
wo hirakitai desu” – I would like to open a bank account
1. 種類 (しゅるい or Shurui). ACCOUNT TYPE:
You have two choices here. You can either go with number1。通常 (つうじょう or Tsujo)- The general Account or with number2。貯蓄 (Chochiku or ちょちく)- The savings account. With the
first account you can deposit and withdraw as you please. But bear in mind with
the second account, interest rates change depending on your balance and it
can’t be used for direct deposit (salary) nor for automatic payments.
2. 送金機能 (そうきんきのう or Sokinkino). REMITTANCE
FEATURE:
Shading in this box enables the remittance function for your new account.
3. 基準額 (きじゅんがく or Kijungaku). STANDARD LIMIT:
What do you want your deposit limit to be? When I signed up, I set my deposit
limit as ten million yen. Has my account ever even gotten much money? No way!
But it’s nice to have options, should you ever need them.
4. お預け入れ金額 (おあずけいれきんがく or Oazukeire Kingaku).
DEPOSIT AMOUNT:
This box is for the amount of your first deposit. I’m not exactly sure what the
minimum deposit can be, but I know it’s pretty low. I think I deposited 1000
yen on my first deposit.
5. おところ or Otokoro. ADDRESS:
There is a space for フリガナ (furigana) which are the kana (hiragana and katakana)
corresponding the the kanji in your address. There is also a space for 漢字 or かんじ (kanji). If you don’t know how to
write your address. If you give your Alien Registration Card to the clerk and
say “Tetsudatte kudasai.” The clerk will fill in this part for you.
6. おなまえ or Onamae. NAME:
Just like section number five, there’s a space for furigana (フリガナ)
and for kanji (漢字). I entered my name’s katakana in the top, smaller,
boxes and the printed, block letters in the larger boxes below. I entered my
last name first. ASH, DONALD
7. お届け印 (おとどけいん or Otodokein)。確認印 (かくにんいん or kakunin). STAMPS
This area is where you will use your official seal, your hanko or your inkan. I
don’t know the major differences between the otodokein and the kakunin, but my
hanko was just fine. Even if you don’t have a hanko, you can just sign here,
and it will be okay.
8. 生年月日 (せいねんがっぴ or Seinengappi).
BIRTHDATE:
WAIT! Before you rush and fill this out, please note that this is will be
written in the Japanese imperial year format. 元号 (げんごう or gengo) refers to the different era names that your
birthday falls into. This system is based on Japanese imperial reign. The four
options are 1. 明治 (めいじ or Meiji), 2. 大正 (たいしょう or Taisho), 3. 昭和 (しょうわ or
Showa), and 4. (へいせい平成 or Heisei). In the interest of time. This is another
one you can ask the clerk to do. Write your birthdate on a separate sheet of
paper an show it to him or her. They will be able to tell you the imperial
date.
9. キャッシュサービス. CASH CARD SERVICE
Okay, nothing too tough here. Just chose one of the following:
1. 通帳 (つうちょう or tsuchou) . カード(card)-
You want both a bank book and a card.
2. カード -You only want the card
利用しない (りようしない or riyoshinai)- You don’t want
to use this service.
I personally chose option one.
10. キャッシュサービス デビト機能 (きゃしゅさーびすでびときのう or kyashusa-bisudebitokino).
DEBIT CARD FEATURE
This box gives you the option of enabling the debit card function on your card.
If you select option 1. 利用する (りようする or riyosuro) you opt in to this service. You will be
able to withdraw and transfer funds to the Account of Japan Debit Card
Promotion Council. With the cash card you receive, you will be able to use this
cash card at member stores and shops affiliated with the Promotion Council.
Honestly I had a hard time navigating through this part on my own so I opted
not to use it. I chose option 2 利用しない (りようしない
or riyoshinai) which means I choose not to use this service.
11.カード種類(かーどしゅるい or ka-doshurui). CARD TYPE:
Here, you choose the type of card that you want.
2. SUICA付カード (SUICAつきかーど or SUICA Tsukika-do)- This is a
cash card with a linked SUICA feature. I chose not to do this because I can’t
use this type of Suica for commuter passes, which I use almost every month.
8.JPBANK カード (JPBANKKa-do)- This is like a credit card, and I just
decided not to even get into that in Japan. Plus there’s an application process
and subsequent time lag involved.
9.一般カード (いっぱんka-do)- This is a regular cash
card.
I chose option 9 or the regular cash card, which I received
in about a week-and-a-half to two weeks after doing my application.
12. 暗証番号必須取り扱い(あんしょうばんごうとりあつかい or
anshinbangotoriatsukai) PIN NUMBER SERVICE
I know this looks like a super long word, but it’s just asking if whether or
not you want to use the pin number service for in-person withdrawals.
You can choose to 1. 申し込む (もうしこむ or moushikomu) apply. Or option
9. 申し込まない (もうしこまない or moshikomanai) not to apply.
I chose option one since I will already know my own pin number. It’s just an
added security measure.
13. ボランティア DONATIONS
Almost there, everybody. This section asks if you want to donate money to 1. a
general volunteer organization (全般 (ぜんぱん or
zenpan)), 2. an environmental organization (環境(かんきょう or kankyo)), or 9. 申し込まない (もうしこまない or moshikomanai)- you don’t plan to donate.
A percentage of your interest (I think my job said it was 20%) will be donated.
14. 性別 (せいべつ or seibetsu). GENDER.
You only have to worry about filling this one out if you chose the Suica option
in field number ten.
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