Deposit Products

Deposit products define the terms used when opening customer deposit accounts. Configure a product before opening accounts against it, and review its accounting mappings together with the teams responsible for deposit operations and accounting.

CBS provides three product families:

Product	Menu Label	Use
Savings	Produk Tabungan	Savings accounts with balance limits, charges, interest settings, and dormancy rules.
Term savings	Produk Tabungan Berjangka	Savings plans with installment amounts and an agreed contribution period.
Term deposit	Produk Simpanan Berjangka	A placement of funds for a defined term, with interest and maturity instructions. The account and servicing screens also use deposito.

A product is a reusable configuration. An account associates a customer with a product and records that customer's balances and instructions. Creating a product does not create or fund a customer account.

Open Simpanan in the sidebar to reach these menus. Within the module, breadcrumbs use Deposit for the same area.

Product configuration and account operations are separate entries under Simpanan.

Before You Begin#

You need access to the appropriate product menu and its create or edit actions. Product authorization is a separate task. The relevant COA, transaction templates, and any RAB required by the product must already be available.

Use approved product terms when entering rates, fees, minimums, and dates. This guide explains the fields and workflow; it does not prescribe a bank's commercial terms or tax policy. Asterisks identify required fields. Reference-data dropdowns show the values configured for your institution.

Create a Savings Product#

Savings-product creation screen observed on 21 October 2026. Displayed defaults are environment values, not universal product requirements.

Open Simpanan → Produk Tabungan and select Tambah Produk.
Enter Kode Produk and Nama Produk. The code accepts a maximum of two characters. Choose it carefully: the product code and Kode CoA are locked when editing an existing product.
Select Kode CoA for the savings product.

Complete the operating limits and charges:

Field	What to Enter
Saldo Minimal	The product's minimum balance.
Maksimal Penarikan	The product withdrawal limit. This is separate from a teller's authorization limit.
Biaya Admin Bulanan and Tanggal Beban Biaya Admin	The monthly charge and its configured processing day.
Biaya Penutupan	The charge used in the savings closure calculation.
Biaya Transaksi Non Tunai and Ditanggung Oleh	The non-cash transaction charge and its bearer.
Waktu Dormant and Biaya Bulanan Dormant	The inactivity period in days and the dormant-account charge.
Limit KYC	The product's configured KYC-related limit. Apply the bank's approved configuration.

Select Jenis Bunga, enter Tanggal Hitung Bunga, and configure Tier Bunga. Review Split Bunga, Bunga Dalam Tier, and Terkait against the intended product terms.
In Kode Transaksi, assign the templates for Bunga, Cadangan Bunga, Pajak Bunga, Biaya Admin, and the displayed non-cash transaction purposes. A missing dropdown option normally requires configuration of the corresponding template; it is not a reason to select an unrelated code.
Select Simpan, review the confirmation, and select Tambah.
Arrange authorization through Otorisasi Produk Tabungan, then reopen the product to check the accepted settings.

The tier table has six rows. Enter amounts and rates in their designated columns. Where tier thresholds are provided, the form validates their ordering; correct the highlighted tier rather than rearranging the product's business terms merely to save it.

Create a Term-Savings Product#

Open Simpanan → Produk Tabungan Berjangka → Tambah Produk.
Enter Kode Produk, Nama Produk, and Kode CoA.
Configure Saldo Awal, Minimum Setoran Bulanan, and Maksimal Setoran Bulanan. These describe the funding expectations of the plan.
Configure Minimum Jangka Waktu Setoran and Maksimal Jangka Waktu Setoran. Account-opening staff use these terms when setting the individual plan.
Enter Biaya Bulanan Admin, Tanggal Beban Biaya Admin, Denda, and Biaya Pinalty, using the labels displayed by CBS.
Select the interest settings and fill Tier Bunga. Review Terkait, Otomatis Tutup, Auto Debet, Split Bunga, and Bunga Dalam Tier.
Complete the transaction mappings for interest, tax, administration, penalties, late charges, and automatic debit.
Select Simpan, confirm Tambah, and submit the product for review in Otorisasi Produk Tabungan Berjangka.

Confirm the bank's collection process before relying on Auto Debet. Check actual contributions, account statements, and the bank's exception records against the agreed schedule; a selected product setting is not proof that a contribution has been collected.

Create a Term-Deposit Product#

Open Simpanan → Produk Simpanan Berjangka → Tambah Produk.
Enter Kode Produk, Nama Produk, and Kode CoA.
Select Rekening Antara Bank (RAB). This is an internal account used by the configured product flow; it is separate from a customer's payout instruction.
Set Jangka Waktu Deposito, Jenis Bunga, and Tanggal Hitung Bunga.
Select Jenis Penalti. Complete Biaya Penalti or Persentase Penalti, as displayed for the selected type. Also configure Biaya Transfer.
Complete Tier Bunga, and review Terkait.
Map Penempatan Deposito, Pokok Jatuh Tempo, Bunga, Cadangan Bunga, Pajak Bunga, Biaya Admin, Penalti, and Biaya Transfer to the appropriate transaction codes.
Select Simpan, confirm Tambah, and arrange review in Otorisasi Produk Simpanan Berjangka.

The form's internal heading may read Deposito / Tabungan Berjangka. Use the selected menu to identify the product family: Produk Simpanan Berjangka is the term-deposit product described here; Produk Tabungan Berjangka is the separate installment-based savings product above.

Authorize or Change a Product#

Open the corresponding Otorisasi Produk … list and select the pending submission.
Review the proposed product identity, financial terms, interest tiers, and transaction mappings. Check the COA and template choices as carefully as the customer-facing rates.
Select Terima to accept the submission and confirm the decision. To reject it, select Tolak, complete Alasan Penolakan, and confirm.
Reopen the product from its normal product list and verify the accepted configuration before using it for new accounts.

For an amendment, open the existing product and use its edit action. The form locks fields that cannot be changed. Save the permitted changes and complete the applicable product authorization flow.

Account opening reads product configuration. For example, selecting a term-deposit product supplies its term and interest-calculation settings. The account's Tipe Bunga separately chooses a product rate or a special rate. Account-level choices and rollover instructions are described in Deposit Accounts. Do not assume that amending a product retrospectively changes every existing account; inspect the affected account and verify the intended change before communicating new terms to a customer.

Review Deposit Tax Settings#

The Pengaturan Simpanan screen contains Konfigurasi Pajak. Its visible fields depend on the parameters made available to the signed-in user.

Open Simpanan → Pengaturan Simpanan.
Review the existing Tarif Pajak (%), Batas Nominal Pajak, and Dasar Perhitungan Pajak fields that are available. The latter can display INTEREST or BALANCE.
Read any parameter description displayed below a field and apply the approved configuration.
Select Simpan and confirm Simpan Pengaturan Simpanan.
Reopen the screen to verify the saved values.

These settings are broader than a single customer account. If a required setting is absent or the screen reports that settings are unavailable, ask the administrator to check parameter availability and permissions. Do not substitute a product journal code for a missing tax parameter.

Simulate a Term Deposit#

Use Simulasi Simpanan Berjangka to estimate the schedule before opening an account.

*The simulation form allows either a configured product or Tanpa produk (manual). Review all calculation inputs before selecting Lihat Simulasi.*

Open Simpanan → Simulasi Simpanan Berjangka.
Select Produk Deposito, or choose Tanpa produk (manual).
Enter Tipe Roll Over, Nominal Penempatan, and Tanggal Penempatan.
With a selected product, CBS derives the rate from its tiers and supplies the calculation type and term. In manual mode, complete Suku Bunga, Tipe Perhitungan Bunga, and Jangka Waktu (bulan) yourself.
Select Lihat Simulasi.
Review Tanggal Jatuh Tempo, Total Bunga, Total Pajak, and Total Net Bunga, followed by the period-by-period principal, day count, interest, and tax rows.

A simulation does not open an account, reserve funds, or post accounting entries. If no detail rows are returned, do not treat an empty result as a confirmed zero return. Check the input and configuration before using the result with a customer.

Resolve a Product-Setup Problem#

Situation	What to Check
The required COA, transaction code, or RAB is missing	Check its status, purpose, office scope, and permissions with the administrator. Complete the dependency before saving the product.
A field is locked while editing	Preserve the product identity and use the permitted amendment fields. Do not create another product with the same business purpose merely to bypass a locked field.
A rate or amount is rejected	Check the field's unit, minimum/maximum relationship, and tier order. A percentage rate and a currency charge are different values.
The product was saved but is not ready for use	Check the corresponding product authorization queue and rejection history.
A simulation differs from the intended offer	Recheck principal, term, rate period, interest method, rollover choice, tax configuration, and fees before discussing the result with the customer.

Deposit Accounts: customer-specific terms, opening, and lifecycle actions.
Teller Operations: funding and withdrawal transactions, templates, and limits.