THE RIGHT AND RESPONSIBILITIES OF A BANK TO THEIR CUSTOMERS

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ABSTRACT
This is a research on the right and responsibilities of banks to their customers.
The research sort to know the bank right right and responsibilities to their customers which has bee in existence in banking operation and has been felt by the people and to the extent, their objectives has been achieved.
In carrying out this research the researcher made use of oral interviews, questionnaire and library and the finding were rights and responsibilities of banks to their customers, which has been felt through many areas of their promotional activities such as loan advancement.
It has been find out that banks charges commission to their customers, banks accept money from their customers, and banks a turn irregular instrument to their customers, all his has been greatly achieved through banks and customers relationship.
Therefore, it was this base that the researcher made the conclusion that banking operation has been appreciated by the people and customers objectives has been achieved greatly.
TABLE OF CONTENT
1.0 CHAPTER ONE
1.1 BACKGROUND OF THE STUDY
1.2 STATEMENT OF THE PROBLEM
1.3 OBJECTIVES OF THE STUDY
1.4 SIGNIFICANCE OF THE STUDY
1.5 LIMITATION OF THE STUDY
1.6 DEFINITION OF TERMS
2.0 CHAPTER TWO
2.1 LITERATURE REVIEW
2.2 CAUSES OF BANK FRAUD
2.3 CONTROL OF FRAUD
3.0 CHAPTER THREE
3.1 RESEARCH DESIGN OR METHODOLOGY
3.2 SOURCES OF DATA (SECONDARY ONLY)
3.3 LOCATION OD DATA
3.4 METHOD OF DATA COLLECTION
4.0 CHAPTER FOUR
4.1 SUMMARY OF FINDING
5.0 CHAPTER FIVE
5.1 RECOMMENDATION AND
5.2 CONCLUSION
CHAPTER ONE
BACKGROUND OF THE STUDY
Banking operation in Nigeria has gone through very dramatic changes within this decade. The bank has grown beyond optimistic expectations. Over the period, the number of banks expanded five fold, the variety of banks increased, banking operation were substantially deregulated, competition increased and bank were forced to be more innovative and service oriented.
This has made the researcher to go in for the topic the rights and responsibilities of banks to their customers. The banks right to their customers are to charge commission to their customers for service render to them, banks return irregular instrument like unpaid cheques, which are not properly drawn, also banks return cheques exceeding authorized overdraft, this are customers which want to make overdraft facilities but the customer did not come with the duration and so banks will return the cheque exceeding the overdraft.
And some of banks responsibilities to their customers are: to pay cheques to their customers banks receive money from their customers, banks gives reasonable notice before closing credit account of a customers. All this has made baking operation to be well structure and service oriented. When banks has much fund in their banks the right and responsibilities is fully achieved.
As a matter of fact between 1947-1952 a total of 22 banks were registered by Nigeria according to the study concluded by the C.B.N. of Nigeria but within four years because they cannot met up with their rights and responsibilities they well all out of duties (Distress)

STATEMENT OF THE PROBLEM
A bank is s financial institution, which provide minimum banking services and which is licensed as a bank by the federal government of Nigeria as a financial institution. This banks are duely bound to posses their rights and responsibilities to their customers but as a matter of fact, there are some with standing problems which comes across the banking operation, some of which are:
Lack of fund when customers or banks balance or overdraft is not sufficient to cover his cheques the bank is not liable to pay the customers cheques.
Customers Death: The death of a customer cancels all mandates and authorities relating to his account, the banker may receive in express or constructive notice of his customer’s death and in either case, no further cheques must be honored.
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