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Master Account Agreement

Master Account Agreement Template for Indonesia

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Key Requirements PROMPT example:

Master Account Agreement

"I need a Master Account Agreement for our new digital-only bank in Indonesia, launching in March 2025, with strong emphasis on electronic banking services and mobile app features while ensuring compliance with OJK digital banking regulations."

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Document background
The Master Account Agreement serves as the primary contractual framework governing the relationship between financial institutions and their customers in Indonesia. This document is essential when establishing new banking relationships and is designed to comply with Indonesian banking regulations, including Law No. 7 of 1992 on Banking (as amended), OJK regulations, and the Indonesian Civil Code. It comprehensively covers account opening requirements, operational procedures, service terms, fees, customer obligations, electronic banking services, and regulatory compliance requirements. The agreement is structured to accommodate both individual and corporate customers, incorporating necessary provisions for modern banking services while ensuring compliance with Indonesian AML/KYC requirements and data protection laws. It provides flexibility to add specific services through schedules while maintaining a robust legal framework for the banking relationship.
Suggested Sections

1. Parties: Identification of the financial institution and the customer, including registration details

2. Background: Recitals explaining the purpose of the agreement and the banking relationship

3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement

4. Account Opening and Maintenance: Requirements and procedures for opening and maintaining accounts

5. Customer Instructions and Authorization: Procedures for giving instructions and authority levels for account operation

6. Services and Features: Description of basic banking services covered by the agreement

7. Fees and Charges: Structure and calculation of fees, charges, and interest

8. Account Statements and Communications: Provisions regarding account reporting and communications between parties

9. Security and Access: Security measures, access protocols, and customer obligations for account security

10. Customer Obligations and Representations: Customer's warranties, representations, and ongoing obligations

11. Bank's Rights and Obligations: Bank's services commitments, rights, and operational obligations

12. Regulatory Compliance: AML, KYC, and other regulatory compliance requirements

13. Data Protection and Confidentiality: Handling of customer data and confidential information

14. Liability and Indemnity: Scope of liability, limitations, and indemnification provisions

15. Amendment and Termination: Procedures for changing agreement terms and ending the banking relationship

16. Governing Law and Dispute Resolution: Choice of law and procedures for resolving disputes

17. General Provisions: Miscellaneous legal provisions including severability, entire agreement, etc.

Optional Sections

1. Electronic Banking Services: Specific terms for electronic and online banking services, included when these services are offered

2. Foreign Currency Accounts: Additional provisions for foreign currency accounts, included when foreign currency services are offered

3. Joint Accounts: Specific provisions for joint account holders, included when joint accounts are permitted

4. Special Category Accounts: Provisions for special account types (minor, corporate, trust), included based on customer type

5. Debit/ATM Card Services: Terms for card services, included when cards are issued

6. Standing Instructions: Terms for recurring payment instructions, included when this service is offered

7. Overdraft Facilities: Terms for overdraft services, included when overdraft is offered

8. Mobile Banking Services: Specific terms for mobile banking, included when mobile banking is offered

Suggested Schedules

1. Schedule 1: Fee Schedule: Detailed listing of all applicable fees and charges

2. Schedule 2: Account Opening Forms: Standard forms required for account opening

3. Schedule 3: Specimen Signatures: Format for recording authorized signatures

4. Schedule 4: KYC Requirements: List of required KYC documents and procedures

5. Schedule 5: Electronic Banking Terms: Detailed terms and conditions for electronic banking services

6. Schedule 6: Security Procedures: Detailed security protocols and procedures

7. Schedule 7: Interest Rate Schedule: Current interest rates for different account types

8. Appendix A: Service Level Standards: Performance standards for banking services

9. Appendix B: Privacy Policy: Detailed privacy and data protection policy

10. Appendix C: Complaint Handling Procedures: Procedures for handling customer complaints

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok成人版 | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




















































Clauses



































Relevant Industries

Banking and Financial Services

Financial Technology

Retail

Manufacturing

Technology

Professional Services

Healthcare

Education

Real Estate

Construction

Agriculture

Mining

Transportation

Hospitality

Non-Profit Organizations

Government Services

Relevant Teams

Legal

Compliance

Account Management

Operations

Risk Management

Product Development

Customer Service

Treasury

Corporate Banking

Retail Banking

Regulatory Affairs

Internal Audit

Documentation

Finance

Relevant Roles

Legal Counsel

Compliance Officer

Account Manager

Relationship Manager

Branch Manager

Operations Manager

Risk Manager

Product Manager

Customer Service Manager

Treasury Manager

Corporate Banking Officer

Retail Banking Officer

Legal Director

Chief Compliance Officer

Chief Operating Officer

Head of Banking Operations

Financial Controller

Company Secretary

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks, 聽Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination, 聽Severance Pay, Governing Law, Entire Agreemen

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