Customer Funds Transfer

The Customer Funds Transfer page enables a teller or back-office officer to transfer funds directly between two customer accounts within the same branch. The page displays a history of all transfers made today and provides a modal form to initiate a new transfer. Unlike the Teller Funds Transfer, this page transfers funds between customer savings/current accounts — not GL cash accounts — and includes product type selection for both the sending and receiving accounts.

PURPOSE

Allow a teller to move funds between two customer accounts (e.g. savings to current).
Display a daily record of all customer-to-customer transfers (Dr Customer, Cr Customer, amounts, products).
Allow the user to select account product types (e.g. Savings, Current) for both the debit and credit side.
Enable recall and editing of previously saved transfers for the day.
Log an entry description alongside each transfer for record-keeping.

STEP-BY-STEP GUIDE

Step 1 — Navigate to Customer Funds Transfer

Open the Backoffice module. From the left-hand menu, navigate to and click on Customer Funds Transfer. The page loads and automatically displays today’s transfer records in the table.

Step 2 — Open the Transfer Form

Click the blue “Transfer Customer Fund” button at the top right of the page. The Customer Funds Transfer modal form opens.

Step 3 — Review Transaction Details

At the top of the form, the following fields are auto-set:

Trans. Date — Current server date (read-only)
Transfer Ref. — Auto-generated on save (read-only)
Amount — Enter the amount to be transferred

Step 4 — Select the Transfer From Account

In the Transfer From panel (left side):

Click the Search button
Type the customer’s name, account number, or phone in the search box
Click SELECT on the correct customer row

Once selected, the following auto-populate:

Account Name, Account Number, Account Balance
Account Type dropdown — populated with the customer’s available non-loan products (e.g. Savings, Current). Select the appropriate product type. The Account Number and Balance update automatically when the product type is changed.

Step 5 — Select the Transfer To Account

In the Transfer To panel (right side):

Click the Search button
Search and select the receiving customer
Select the appropriate Account Type from the dropdown

Note: Transfers to the same account are not permitted. The system will block and show a warning.

Step 6 — Enter a Transaction Description

In the Transaction Description box at the bottom, type a brief note about the purpose of the transfer (e.g. “Customer request — Savings to Current transfer”).

Step 7 — Save the Transfer

Click the Save button. The system validates:

Amount is entered and greater than zero
Transfer From and Transfer To accounts are selected and different
The amount does not exceed the Transfer From account balance
A description has been provided

If all validations pass, a confirmation prompt appears. Click Confirm to post the transfer.

On success: the debit entry is posted to the Transfer From account and the credit entry to the Transfer To account. The form resets and the main table refreshes.

Step 8 — Recall a Transfer

To review a previously saved transfer:

Locate it in the main table (columns: Date, Amount, Dr Customer, Cr Customer, Dr Product, Cr Product)
Click the SELECT button in the Action column
The form opens pre-filled with all saved details — fields are locked by default
Click Edit to unlock and modify, then Save to re-post
Click Reset to clear the form without saving

KEY NOTES

Transaction Date is locked to the server date.
Transfer Reference is auto-generated — do not enter it manually.
The Account Type dropdown loads the customer’s available non-loan products after a customer is selected.
Changing the Account Type automatically updates the Account Number and Balance.
Transfer amount cannot exceed the debit account’s available balance.
Transfers between the same account are blocked.
A description is required before the transfer can be saved.