Cash Advance Request Contract: Fill & Download for Free

Ignoring the idea of withdrawing money directly from your account, because that isn’t technically “using your debit card,” you could do a cash advance at a bank. You can usually walk into any bank and request one if they have this feature. The bank itself is not allowed to charge you for this transaction or turn you away unless their machine is broken, your card is rejected by the machine, or you cannot fill the bank’s ID or basic card requirements (for instance, your name isn’t printed on your card or you haven’t signed the back of it)—if they do, notify your card company because the bank is violating their contract. The one real drawback to this is that cash advances are technically considered credit transactions, which means the card company itself associated with them may have a fee associated with the transaction (which is usually a percentage of the transaction). However, since your card is tied to an account, it may draw cash directly from your account instead. Just be aware that banks usually require one or even two forms of ID for this kind of transaction, and they can be a little weird about it too. I once was stranded in Memphis because the car broke down and had to go to a nearby bank to do a cash advance because their ATM was broken… They requested my ID and a credit card as a second form of ID. It was all very strange.

The following section compares the allegations made by the voice-over and the actual incidents in the raw footage:1. Shazia Ilmi (R.K.Puram)Allegation: Shazia Ilmi agrees to attend a demonstration against a company because she receives large cash donations. She agrees to accept these donations without any receipt.What actually Happens: When the reporter approaches Shazia, she refuses to help without any documentary evidence. Shazia is clearly in a hurry to leave. When she stands up to leave a crucial piece of the footage has been edited out. Shazia says, “We will only do it if we have concrete evidence. I have been a TV journalist for so many years. Hum jhoot nahin bolenge. We will not lie.She ends the conversation and is ready to leave when she is asked about donating to the Party. She says that donations can be made in cheque or cash and a receipt will be provided. When the reporter says she does not want a receipt, Shazia says cash be used to pay volunteer salaries (the word seedha is not used as claimed by the sting transcript) and the cash can shown in that [...volunteer stipend] account’. Shazia says Rs.20,000 can be paid by cheque and the reporter replies that they will pay 10. There is no mention of lakhs as claimed by news channels. The reporter does not contradict Shazia when she mentions 25,000 and makes no reference to lakhs of rupees. Shazia tries to leave and reporter follows her. Shazia is seen saying haan, haan to evade the reporter. Finally when asked if Shazia would be willing to help if the reporter is unable to provide any evidence, she says it would be good if there was documentary evidence.2. Manoj Kumar (Kondli)Allegation in the sting: He was ready to support the efforts for getting possession of property (which the reporter claims to have given advance for) in return for getting unaccounted for donations; that they would send his people to support the reporter to get access to his property.What actually Happens: Reporter presents his grievance and says that the cash advance he gave for a flat is stuck and needs help in getting possession of the flat. Candidate asks about flat’s location. Then even before any money is offered, candidate says that we are with you once we are elected; we will stand by you and help you. When support is first offered, candidate says that he cant go with reporter right now. To the repeated offers of support, the candidate does not respond. Candidate says the same thing before and after the offer, that once we are elected we will stand with you. He, too, is trying to walk out of the conversation. The shot is cut here in the sting CD. What the raw footage shows right after that (tape timing 14:59:59 onwards) is that after this the candidate clearly says, ‘Property possession can be gained honestly. I have earned my money with a lot of honesty. Everyone knows me in Phase 3. I will earn a little less money, but am happy in that. Even as a property dealer, I have earned far less than all other property dealers. He even suggests how to get the property formally registered. This is the person being called a rajnaitik gunda!3. Dinesh Mohaniya (Sangam Vihar)Allegation: He was ready to help in getting possession of a property, where the reporters cash advance was stuck, as if ‘this was the reason he has entered politicsWhat actually Happens: Reporter presents his grievance and says that the cash advance he gave for a flat is stuck and needs help in getting possession of the flat. Offers support, says we will give any kind of platform; candidate does not accept offer but says that they can’t help anyone before elections. Says that he is in politics for social work. Reporter says that ‘everyone want a Bhagat Singh, but no one wants one in their own homes’, to which Dinesh Mohaniya says ‘It is only crazy people like ourselves who are willing to take this risk.’ Reporter persists that his Mamaji’s property is stuck. Candidate asks him to keep a meeting where they can have a discussion. When again offered support the candidate says that you do as you feel is ok. The candidate is offered support for a third time and asked for help, he says that when elections are going on you have to ignore everything, and I can’t help you. Reporter appeals that they are not getting possession of their property, to which the candidate says that it’s my duty to help you since you have come to me, but I cant do anything as my hands are tied right now.4. Irfanullah Khan (Okhla)Allegation: Irfanullah Khan and his associate Wasim agree to help the reporter to recover cash from a third party in exchange for support.What actually Happens: The context under which the allegations are made is completely missing. The raw footage shows that Irfanullah Khan is approached by an aggrieved Hindu, Yadav man who has been cheated by a Muslim property seller in a Muslim dominated area of Okhla. The man approaches Irfanullah for help. Irfan offers immediate support. Almost the entire conversation shows that Irfanullah is trying to exact the details of the location of the property and asks how he can assist the man. In the meanwhile, the reporters constantly speaks of his affluent background. He also offers a car, manpower etc. in support for election campaigning. Almost each time Irfan tells him that the party is based on strong moral principles and does not need any grandiosity (shor-sharaba) in his campaign. The sequence of events in the original video is disturbed and most of its commentary is false. The allegations are not supported by anything said by the candidate. Irfan emerges on the other side of the close scrutiny as another Aaam Aadmi hero, who deserves all our respect and admiration; once again diametrically opposite to what the sting would like us to believe.5. Mukesh Hooda (Rohtas Nagar)Allegation: In offer for bouncers for capturing booths, Mukesh agrees to get the the reporters phansa hua cash out after the electionWhat actually happens: in the CD footage: The reporter makes three trips to the Mukesh Hoodas office and each time it seems that the candidate has given him some time but doesn’t come to meet him. In the third visit he comes and sits in the office, where there is general conversation going on and the party volunteers are discussing whom they are going to send to polling booths. During this conversation the ‘reporter’ offers his help in booth managing, capturing, and maintaining’ and it seems the candidate almost misses his offer and is fiddling on his phone. When he makes an offer of bouncers, the candidate looks up and gives him an amused look and ignores his offer. Reporter presents his grievance and says that the cash advance he have for a flat is stuck and needs help in getting possession of the flat. Candidate asks for papers and is not told nothing was done in writing. The candidate distractedly keeps saying theek hai, theek hai. Then after the supposed offer of help, the candidate continues to ignore the reporter for one hour. In the raw footage one sees general office activity, and the reporter keeps trying to follow the candidate. At one point in the raw footage , the reporter draws Hooda out of a conversation to complain that he has been waiting for a long time. To this Hooda ji responds with an oblivious haan clearly showing that he is lost to all the hard work put by the reporter. The nods and the haan haan of Hooda is nothing more than the politeness extended by any polite host to a guest.6. Bhavna Gaur (Palam)Allegation: The CD itself shows she didnt make any promises and was in a hurry, but claims that she agreed to help them.What actually Happens: Bhavna Gaur does not listen to the reporter’s story. We clearly see that the candidate has not listened to what the reporters says asks them not to disturb her. She is seen asking the reporter to get back to her in a few days; the body language and tone of speech clearly shows that she is evading them. Throughout the footage, she says that she is very busy.7. Prakash (Deoli)Allegation: Does not charge the candidate with dishonest behaviour, but highlights that candidates are puppets and real power is the party lies with senior leaders.What actually Happens: The reporter claims to be a worker in the Hinduja National Power Corporation Ltd and shows interest in electricity provision in Delhi. He approaches the candidate on the pretext that since the Aam Aadmi Party carried out the bijli-paani aandolan (electricity and water campaign), the candidate should be able to help him in getting a government contract should the party come to power. The candidate responds by saying that if his company has the lowest rates, the contracts will be issued to them. He also says that he does not understand how government contracts are issues and suggests that the reporter to speak to party leaders. There are no allegations of corruption against the candidate even in the CD footage, but since the candidate refers the candidate to other party leaders, the reporter alleges that candidates do not have any power and act as mere dummies of the party.8. Kumar VishwasAllegation: Kumar Vishwas accepts money in cash and no receipts are provided. Kumar also demands travel by Business Class and asks for a hotel suite.What actually Happens: Reporter asks Kumar Vishwas and his personal assistant discuss the terms of engagement to speak at a Kavi Sammelan. Kumar notes that he will not attend the show unless he receives the entire payment for the show in advance. His personal assistant says that they allow for different forms of receipt, including a note in their formal letterhead. Kumar mentions that he can accept cash as well as check. This part of the footage is interpreted as Kumar accepting black money. However in the actual raw footage, this sentence is followed by a critical point he says that cash or check, we will pay income tax on it. The personal assistant also notes that Kumar has always maintained clean accounts, even during a time when he hardly had any income. Kumar does ask for Business Class tickets and a hotel suite at any point in the footage. The reporter gives them cash, which the PA keeps in his pocket and the scene is cut.9. Saurabh Bhardwaj (Greater Kailash) and Kapil Mishra (Karawal Nagar)Allegation: The sting operators note that they did not come across a single “clean” candidate in the Aam Aadmi Party.What actually Happens: The footage of two candidates in the raw footage - Saurabh Bhardwaj and Kapil Mishra is completely spot-free. They did not entertain any requests from the reporters. These candidates were not reported by the journalists.SourceWHAT DOES THE RAW FOOTAGE OF THE STING CD SHOW?or you can watch this videoEvery thing will be clear

Here are the top 6 savings accounts offered by various banks in India.1. Savings Max Account (HDFC Bank): HDFC Bank SavingsMax Account is suitable for those who keep a good amount of funds in their savings account and are not very efficient at managing their finances. It has a unique feature wherein they link Fixed Deposit with your savings account. And provide you sweep-in as well as sweep-out facility. If you opt for their “Money Maximizer” (automatic sweep out) facility, then your surplus funds can be put into high earning fixed deposit at the threshold of Rs.1,25,000. If the balance in your Savings Max Account exceeds/reaches Rs.1,25,000, the amount in excess of Rs.1,00,000 will be put in a fixed deposit at a minimum value of Rs.25,000 for a one year and one day period. In this way, you can earn higher interest on money lying idle in your account. With its Sweep-in facility, if your savings account is short of funds, your Fixed Deposit will be automatically dissolved to meet the short fall. So there are no hassles for any cheque rejects due to insufficient balance in your Savings Max Account.It offers several other benefits like Lifetime free Titanium Royale Debit Card with Daily cash withdrawal limit of Rs.75,000 and Daily shopping limit of Rs. 1 lakh. With this account, you also get Free Personal Accidental Death Cover of Rs 10 lakh, Free Personal Accidental Hospitalisation cover of Rs 1 lakh per annum and Preferential pricing on account opening charges on Online Trading Accounts. All you need to do is, to maintain a minimum Average Monthly balance of Rs.25,000 to avoid any charges.2. Advantage Woman Savings Account (ICICI Bank): This savings Account is packed with a large number of value – added benefits coupled with unique benefits of ICICI Bank’s Advantage Woman Savings Account. A specially designed woman’s debit card which helps you shop and save simultaneously, manages your household expenditures and comes with a bag full of offers attached to it like Unlimited and free of charge cash withdrawal transactions at any bank’s ATM. This account offers Zero Balance facility with a RD of minimum Rs. 2000 and attaches Money Multiplier Facility. A Money Multiplier facility allows you to set a minimum balance (subject to a minimum of Rs 10,000) to be maintained in your Savings Account. You can put in a request for the transfer of the excess of the minimum Savings Bank Account balance to Fixed Deposits in units of Rs 5,000 and for a period of one year or more (as specified by you). So you enjoy a higher effective rate of interest on your deposit. When you need the money, you can withdraw it by issuing a cheque or through an ATM. The depositgets broken in multiples of Rs. 5,000 automatically. Thus, you don’t lose out on liquidity either!3. Smart Saver Account (YES Bank): YES Smart Saver Account is a zero balance Savings Account with numerous features. It enables you to earn high returns of Fixed Deposits and the liquidity of a Saving Account. You can earn a higher return of 7% p.a. on your YES BANK Savings Account for balances of Rs. 1 lakh and above; 6% p.a. for balances below Rs. 1 lakh. If you have a Fixed Deposit, then you can also avail an Overdraft (OD) facility wherein you can withdraw up to 90% of the Fixed Deposit value through an OD facility. You pay interest only on the amount withdrawn and continue to earn interest on 100% of the Fixed Deposit. The other benefits of opening an account with YES Bank are you canget account number of your choice, a higher rate of interest of up to 7% on your savings account and extended working hours for selected branches.4. Prime Savings Account (Axis Bank) :Similar to HDFC Bank, this account also offers sweep-out and sweep-in facility. With a minimum opening deposit of Rs.25000 in metros, you get enhanced withdrawal limits of Rs.50,000 at ATMs and shopping transactions of Rs.100,000 daily. It provides Higher ATM transaction limits of 10 free transactions at other bank ATMs per month. Once you open this account, youbecome eligible for Axis Bank’s eDGE Loyalty Rewards program where you can earn points on your Savings Account transactions like Registering for e-statement, ordering a cheque book online or through an ATM and registering and paying bills using internet banking and many more. These rewards can be used to buy products online through Axis Bank’s rewards catalog. If you opt for “Encash24” (Flexi deposit) facility, then it gives you the liquidity of a Savings Account coupled with high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to your Savings Account providing you maximumreturns and maximum liquidity. As soon as the balance in your Savings Account crosses over Rs 25,000, the excess, in multiplesof Rs 5,000 will be transferred automatically to a higher interest earning Fixed Deposit Account. The maturity of fixed or term deposits formed as a result of transfer of money from the Savings Bank account will be for a minimum period 6 months up to a maximum of 5 years.The money parked in Fixed Deposits as a result of the above mentioned sweep out from your Savings account can be easily accessed by issuing a cheque, withdrawing through ATM etc. This amount is automatically reverse swept from the most recently formed Fixed Deposit in units of Rs 5,000 to the Savingsaccount whenever the balance in your Savings account falls below Rs 25,000. The amount broken from your Fixed Depositwill earn interest rates at the applicable rate for the period that the deposit was held with the Bank. The remaining amount of Fixed Deposit will continue to earn the contracted rate of interest.5. Citibanking Account (Citi Bank): This account is applicable for clients earning net monthly income of Rs.1 Lakh and above and working in companies that have a tie-up with Citibank Suvidha (if your organization has an on-going Citibank Salary banking relationship) or can be openedwith an initial cheque value of Rs.2 Lakh. With this account, you can enjoy the convenience of a world-class savings account with a host of premium privileges like complimentary access to airport lounges, a host of complimentary banking services, a personal banker, and benefits that make a banking relationship truly rewarding. A complimentary Citibank Platinum Debit Card provides free ATM cash withdrawal around the world, High dailyspend and withdrawal limit of up to Rs.1 Lakh, and Never-expiring Reward Points (get Rs.1 back for every Rs.100 spent through your debit card).You can enjoy value based benefits with your account, including Zero fee on a wide range of banking services, A Personal Banker, Account-related assistancewithin 20 seconds or less when you call its 24×7 CitiPhone helpline, Emergency Cash Advance of up to US $1000, if your Debit Card is lost or stolen while in a foreign country and many other features.Note: As per RBI communication, cash limit of 10,000/- per withdrawal is permitted at ATMs other than your existing Bank ATM. For Example: If you have an account with HDFC Bank, then you can withdraw up to Rs.10,000 in a single transaction.6. Indus Select (IndusInd Bank) : This is a premium banking program offered by IndusInd Bank todeliver best in class banking experience for its clients. IndusInd Bank brings you ‘My Account My Number’– a banking feature that gives you the freedom, flexibility and convenience to choosethe account number of your choice. With a relationship value of Rs.50,000, you can open Indus Select account and enjoy the privileges of Dedicated Relationship Manager, Check-On-ChequeService to help you keep track of Cheques issued on your account by way of cheque images in your physical and e-statements and enhanced protection via complimentary insurance cover. Other services include Direct Connect through Select Phone Banking Number reserved for Indus Select customers, 365 days banking service, even on national holidays (at select branches), Concierge Service to assist you while travelling abroad- Be it organizing a flight, recommending a restaurant or arranging tickets for your favorite show, etc. It alsoprovides you Doorstep banking to help you get your Cheques and cash picked up or delivered at your doorstep, without any charges.Thank you for reading my answer. Hope you liked it.