{"id":32754,"date":"2024-07-15T09:54:01","date_gmt":"2024-07-15T09:54:01","guid":{"rendered":"https:\/\/marf.staging.edensestagingsprint3.com\/menguruskan-akaun-bank-wang\/"},"modified":"2025-03-24T09:34:01","modified_gmt":"2025-03-24T09:34:01","slug":"menguruskan-akaun-bank-wang","status":"publish","type":"page","link":"https:\/\/marf.org.my\/ms\/menguruskan-akaun-bank-wang\/","title":{"rendered":"Menguruskan Akaun Bank Wang"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-1-3.png&#8221; custom_padding=&#8221;80px||80px||true|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;46px&#8221; custom_margin=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;30px&#8221; header_font_size_phone=&#8221;23px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Mengurus kewangan untuk orang autisme<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;13px&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;37px&#8221; header_font_size_tablet=&#8221;30px&#8221; header_font_size_phone=&#8221;23px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Bank, akaun bank dan perbankan atas talian<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row module_id=&#8221;types-of-bank-accounts&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Siri Mengurus Wang<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_5,1_5,1_5,1_5,1_5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;gcid-primary-color&#8221; text_orientation=&#8221;center&#8221; height=&#8221;135px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; link_option_url=&#8221;https:\/\/marf.org.my\/ms\/menguruskan-kad-debit-wang\/&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}&#8221; background__hover_enabled=&#8221;on|hover&#8221; background_color__hover=&#8221;#e27c00&#8243; background_enable_color__hover=&#8221;on&#8221;]<\/p>\n<p>Kad debit, kad kredit, pemindahan wang atas talian dan E-dompet<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;gcid-primary-color&#8221; text_orientation=&#8221;center&#8221; height=&#8221;135px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; link_option_url=&#8221;https:\/\/marf.org.my\/ms\/pinjaman-bank-dan-kredit\/&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||||||&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}&#8221; background_color__hover=&#8221;#e27c00&#8243; background__hover_enabled=&#8221;on|hover&#8221; background_enable_color__hover=&#8221;on&#8221;]<\/p>\n<p>Pinjaman bank dan kredit<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;gcid-primary-color&#8221; text_orientation=&#8221;center&#8221; height=&#8221;135px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; link_option_url=&#8221;https:\/\/marf.org.my\/managing-money-saving\/&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||||||&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}&#8221; background_color__hover=&#8221;#e27c00&#8243; background__hover_enabled=&#8221;on|hover&#8221; background_enable_color__hover=&#8221;on&#8221;]<\/p>\n<p>Penjimatan &amp; Belanjawan<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;gcid-primary-color&#8221; text_orientation=&#8221;center&#8221; height=&#8221;135px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; link_option_url=&#8221;https:\/\/marf.org.my\/ms\/lindungi-diri-anda-daripada-terkena-scam\/&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||||||&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}&#8221; background_color__hover=&#8221;#e27c00&#8243; background__hover_enabled=&#8221;on|hover&#8221; background_enable_color__hover=&#8221;on&#8221;]<\/p>\n<p>Lindungi diri anda daripada terkena \u2018scam\u2019<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_5&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;gcid-primary-color&#8221; text_orientation=&#8221;center&#8221; height=&#8221;135px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px|20px|20px|20px|true|true&#8221; link_option_url=&#8221;https:\/\/marf.org.my\/ms\/memahami-tentang-insurans\/&#8221; custom_css_main_element=&#8221;display: flex;||align-items: center;||||||&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}&#8221; background_color__hover=&#8221;#e27c00&#8243; background__hover_enabled=&#8221;on|hover&#8221; background_enable_color__hover=&#8221;on&#8221;]<\/p>\n<p>Memahami tentang insurans<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||true|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|600|||on||||&#8221; text_text_color=&#8221;#0396cd&#8221; text_font_size=&#8221;16px&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0396cd&#8221; header_font_size=&#8221;28px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; text_font_size_tablet=&#8221;16px&#8221; text_font_size_phone=&#8221;15px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;26px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;li{ ||   margin-bottom: 3px;  ||}&#8221; custom_css_free_form=&#8221;li{||  line-height: 1.4em;||}&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|hover&#8221; content__hover=&#8221;<\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-do-early-intervention-programs-offer%22 style=%22color: #ff6600;%22>Apakah pinjaman bank?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-do-early-intervention-programs-offer%22 style=%22color: #ff6600;%22>Apakah Kos faedah?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#why-is-early-intervention-important-for-autism%22 style=%22color: #ff6600;%22>Mengapakah Skor Kredit?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-are-the-benefits-of-early-intervention-for-autism%22 style=%22color: #ff6600;%22>Apakah Sejarah kredit?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-are-the-different-types-of-early-interventions-for-autism%22 style=%22color: #ff6600;%22>Mengapakah Skor kredit penting?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#choosing-an-early-intervention-program-for-your-child%22 style=%22color: #ff6600;%22>Akibat Skor kredit buruk <\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-is-available-in-Malaysia%22 style=%22color: #ff6600;%22>Cara mengekalkan Skor kredit yang baik?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-do-early-intervention-programs-offer%22 style=%22color: #ff6600;%22>Bagaimanakah pinjaman bank boleh berguna?<\/a><\/strong><\/span><\/p>\n<p><span style=%22color: #ff6600;%22><strong><a href=%22#what-do-early-intervention-programs-offer%22 style=%22color: #ff6600;%22>Bagaimana pinjaman berfungsi?<\/a><\/strong><\/span><\/p>\n<p>&#8221; custom_css_main_element_phone=&#8221;li{ ||   margin-bottom: 0px;  ||}&#8221; custom_css_main_element_last_edited=&#8221;on|desktop&#8221; custom_css_main_element_tablet=&#8221;li{ ||   margin-bottom: 3px;  ||}&#8221;]<\/p>\n<ul>\n<li><strong><a href=\"#types-of-bank-accounts\">Jenis-jenis akaun bank<\/a><\/strong><\/li>\n<li><strong><a href=\"#why-do-i-need-a-bank-account\">Mengapa saya perlukan akaun bank?<\/a><\/strong><\/li>\n<li><strong><a href=\"#when-i-go-into-bank\">Apabila saya pergi ke bank, apa yang anda lihat? apa yang akan saya lihat?<\/a><\/strong><\/li>\n<li><strong><a href=\"#guide-to-using-bank\">Panduan menggunakan perkhidmatan bank di Malaysia<\/a><\/strong><\/li>\n<li><strong><a href=\"#activating-an-atm-card\">Mengaktifkan kad ATM dan menetapkan nombor PIN untuk bank di Malaysia <\/a><\/strong><\/li>\n<li><strong><a href=\"#using-internet-banking\">Menggunakan Perbankan Internet<\/a><\/strong><\/li>\n<li><strong><a href=\"#tips-for-staying-safe\">Petua untuk kekal selamat semasa berurus perbankan atas talian atau di cawangan bank<\/a><\/strong><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;10px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0396cd&#8221; header_font_size=&#8221;28px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;26px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">Membuka akaun bank sendiri dan belajar cara menguruskan kewangan anda sendiri secara bertanggungjawab adalah sebahagian besar daripada pengajaran hidup berdikari. Sesiapa yang berumur lebih daripada 18 tahun dan faham akan konsep menguruskan kewangan boleh membuka akaun bank. Jika anda berumur di bawah 18 tahun, ibu bapa atau penjaga boleh membantu anda membuka akaun bersama.<\/p>\n<p style=\"text-align: left;\">Maklumat berikut sebahagiannya dipetik daripada <a href=\"https:\/\/www.fca.org.uk\/news\/news-stories\/easy-read-guide-everyday-banking\" target=\"_blank\" rel=\"noopener\">Everyday Banking: An easy read guide by the Financial Conduct Authority and National Autistic Society UK.<\/a><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;types-of-bank-accounts&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><strong>Jenis-jenis akaun bank<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>1. Akaun simpanan<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text content_tablet=&#8221;<\/p>\n<ul>\n<li>Akaun jenis ini hanya untuk menyimpan wang anda dengan selamat.<\/li>\n<li>Anda boleh mendapat <a href=%22#%22>faedah<\/a> daripada jumlah simpanan anda.<\/li>\n<li>Anda boleh menyimpan atau mengeluarkan wang anda bila-bila masa.<\/li>\n<\/ul>\n<p>&#8221; content_phone=&#8221;<\/p>\n<ul>\n<li>Akaun jenis ini hanya untuk menyimpan wang anda dengan selamat.<\/li>\n<li>Anda boleh mendapat <a href=%22#%22>faedah<\/a> daripada jumlah simpanan anda.<\/li>\n<li>Anda boleh menyimpan atau mengeluarkan wang anda bila-bila masa.<\/li>\n<\/ul>\n<p>&#8221; content_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Akaun jenis ini hanya untuk menyimpan wang anda dengan selamat.<\/li>\n<li>Anda boleh mendapat faedah daripada jumlah simpanan anda.<\/li>\n<li>Anda boleh menyimpan atau mengeluarkan wang anda bila-bila masa.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ed804e&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;0px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; width=&#8221;114%&#8221; width_tablet=&#8221;114%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;134%&#8221; max_width_tablet=&#8221;134%&#8221; max_width_phone=&#8221;none&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;40px||0px||false|false&#8221; custom_padding=&#8221;0px|0px||50px|false|false&#8221; custom_padding_tablet=&#8221;0px|0px||50px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><span style=\"color: #ffffff;\">Apakah maksud <em>Faedah<\/em>?<\/span><\/h1>\n<ul>\n<li><span style=\"color: #ffffff;\">Faedah ke atas akaun simpanan ialah jumlah upahan yang dibayar oleh pihak bank kepada anda untuk menyimpan simpanan anda bersama mereka.<\/span><\/li>\n<li>\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #ffffff;\">Faedah berupa peratusan daripada jumlah simpanan anda yang ditambahkan ke akaun anda secara berkala, seperti setiap bulan atau tahun. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li>\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #ffffff;\">Ini adalah cara yang selamat dan mudah untuk mengembangkan wang simpanan anda.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-2-2.png&#8221; title_text=&#8221;Asset 2&#8243; align=&#8221;center&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;46%&#8221; width_tablet=&#8221;46%&#8221; width_phone=&#8221;60%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;-55px||10px|100px|false|false&#8221; custom_margin_tablet=&#8221;-55px||10px|100px|false|false&#8221; custom_margin_phone=&#8221;0px|||80px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;|||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||40px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>2. Akaun semasa:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Akaun ini serupa dengan akaun simpanan, tetapi digunakan secara berbeza.<\/li>\n<li>Biasanya menawarkan sedikit atau tiada faedah ke atas wang dalam akaun anda.<\/li>\n<li>Sesuai untuk transaksi dan pengeluaran yang lebih kerap.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>3. Akaun simpanan tetap:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Akaun ini adalah bagi menyimpan wang untuk tempoh tetap, seperti jangkamasa enam bulan atau 12 bulan. <\/span><\/li>\n<li>Anda memperoleh faedah yang lebih tinggi berbanding akaun simpanan.<\/li>\n<li><span>Anda tidak boleh mengeluarkan wang sehingga tempoh yang ditetapkan tamat. <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>4. Akaun bersama<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text content_tablet=&#8221;<\/p>\n<ul>\n<li>Akaun ini dikongsi oleh dua atau lebih orang \u2013 pemilik akaun.<\/li>\n<li>Semua pemilik akaun boleh memasukkan wang dan mengeluarkan wang dan boleh melihat baki dan transaksi.<\/li>\n<li>Setiap pemilik akaun bertanggungjawab ke atas akaun, termasuk membayar sebarang yuran tertentu.<\/li>\n<\/ul>\n<p>&#8221; content_phone=&#8221;<\/p>\n<ul>\n<li>Akaun ini dikongsi oleh dua atau lebih orang \u2013 pemilik akaun.<\/li>\n<li>Semua pemilik akaun boleh memasukkan wang dan mengeluarkan wang dan boleh melihat baki dan transaksi.<\/li>\n<li>Setiap pemilik akaun bertanggungjawab ke atas akaun, termasuk membayar sebarang yuran tertentu.<\/li>\n<\/ul>\n<p>&#8221; content_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Akaun ini dikongsi oleh dua atau lebih orang \u2013 pemilik akaun.<\/li>\n<li>Semua pemilik akaun boleh memasukkan wang dan mengeluarkan wang dan boleh melihat baki dan transaksi.<\/li>\n<li>Setiap pemilik akaun bertanggungjawab ke atas akaun, termasuk membayar sebarang yuran tertentu.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;why-do-i-need-a-bank-account&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><strong>Mengapa saya perlukan akaun bank?<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">Terdapat banyak faedah untuk mempunyai akaun bank sendiri.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Keselamatan<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Anda boleh menyimpan wang anda dengan selamat dan mengurus kewangan anda dengan mudah di satu tempat.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Akses perbankan atas talian:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Perbankan Internet kini tersedia secara meluas, jadi anda tidak perlu kerap melawat bank untuk berurusan.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Terima dan buat pembayaran:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Membayar bil melalui <strong>debit terus<\/strong> mungkin memberi anda diskaun perkhidmatan.<\/li>\n<li>Pembayaran debit langsung adalah automatik jadi anda tidak akan terlupa membayar bil.<\/li>\n<li>Jika anda seorang OKU berdaftar di Malaysia, bantuan kewangan kerajaan hanya boleh dibayar melalui akaun bank<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ed804e&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;0px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; header_text_color=&#8221;#FFFFFF&#8221; width=&#8221;114%&#8221; width_tablet=&#8221;114%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;134%&#8221; custom_margin=&#8221;30px||0px||false|false&#8221; custom_padding=&#8221;0px|0px||50px|false|false&#8221; custom_padding_tablet=&#8221;0px|0px||50px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; text_line_height_tablet=&#8221;&#8221; text_line_height_phone=&#8221;1.6em&#8221; text_line_height_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><span style=\"color: #ffffff;\">Apakah maksud <i>Debit Langsung<\/i>?<\/span><\/h1>\n<ul>\n<li><span style=\"color: #ffffff;\">Debit langsung ialah kaedah pembayaran automatik terus ke akaun pembekal perkhidmatan.<\/span><\/li>\n<li>\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #ffffff;\">Wang diambil terus daripada akaun bank anda untuk membayar bil atau langganan biasa. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li>\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #000000;\"><span style=\"color: #ffffff;\">Anda boleh menyediakan dan mengawal pembayaran debit langsung dengan bertanya kepada kakitangan bank, menggunakan perbankan atas talian atau menerusi telefon.<\/span> <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-3-1.png&#8221; title_text=&#8221;Asset 3&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;46%&#8221; width_tablet=&#8221;46%&#8221; width_phone=&#8221;47%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_margin=&#8221;||10px|80px|false|false&#8221; custom_padding=&#8221;|||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;30px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Kemudahan:<\/strong><strong><\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Anda boleh memiliki kad debit, yang memudahkan anda membayar sesuatu dan membeli-belah atas talian.<\/span><\/li>\n<li>\n<span>Kad debit anda juga kad untuk digunakan di mesin ATM <\/span>\n<\/li>\n<li class=\"page\" title=\"Muka Surat 1\">\n<span>Anda boleh menggunakan kad ATM anda untuk mengeluarkan wang daripada mesin ATM di Malaysia dan kadangkala di luar negara. <\/span>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Jejaki wang anda:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Bank memberikan anda penyata, yang menunjukkan pergerakan wang yang telah dikeluarkan dan dimasukkan ke akaun anda. Gunakan ini untuk menyemak perbelanjaan anda.  <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Dapatkan faedah:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Anda mungkin boleh memperoleh faedah ke atas jumlah wang dalam akaun anda. <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">Mempunyai akaun bank akan membantu anda menambahkan kiraan mata kredit anda. Ini boleh membantu jika pada masa hadapan anda ingin meminjam wang daripada bank atau memohon kad kredit kerana pihak bank dapat menyemak <strong>sejarah kredit<\/strong> anda.  <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ed804e&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; width=&#8221;83%&#8221; width_tablet=&#8221;83%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;134%&#8221; custom_margin=&#8221;20px||20px||false|false&#8221; custom_padding=&#8221;0px|0px||50px|false|false&#8221; custom_padding_tablet=&#8221;0px|0px||50px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><span style=\"color: #ffffff;\">Apakah maksud <em>Sejarah Kredit<\/em>?<\/span><\/h1>\n<ul>\n<li><span style=\"color: #ffffff;\">Sejarah kredit anda adalah rekod terperinci tentang bagaimana anda mengurus wang yang dipinjam dan membayarnya semula. <\/span><\/li>\n<li><span style=\"color: #ffffff;\">Ini termasuk maklumat tentang pinjaman anda, kad kredit dan bentuk kredit lain yang telah anda gunakan, serta sejarah pembayaran anda. <\/span><\/li>\n<li><span style=\"color: #ffffff;\">Ketahui lebih lanjut tentang pinjaman dan kad kredit <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/marf.org.my\/ms\/menguruskan-kad-debit-wang\/\" style=\"color: #ffffff; text-decoration: underline;\">dalam Kad Debit, Kad Kredit, Pindahan Bank Atas talian dan E-Dompet dan Mengurus Wang dengan Autisme: Pinjama<\/a>n<\/span><\/strong><\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row module_id=&#8221;when-i-go-into-bank&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Apabila saya pergi ke bank, apa yang anda lihat?<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;28px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Mesin-mesin<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;10px||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<span>ATM (Automated Teller Machine) adalah mesin yang membolehkan anda melaksanakan tugas asas perbankan tanpa perlu pergi ke kaunter di dalam bank. ATM beroperasi 24 jam dan boleh didapati di banyak lokasi yang sesuai seperti pusat beli-belah, stesen minyak dan cawangan bank.  <\/span>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-4-1.png&#8221; title_text=&#8221;Asset 4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;41%&#8221; width_tablet=&#8221;41%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;10px||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Berikut adalah beberapa perkara yang boleh anda lakukan dengan ATM:<\/span><\/p>\n<p><span><\/span><\/p>\n<ul>\n<li><strong>Keluarkan wang tunai:<\/strong><span>Anda boleh mengeluarkan wang daripada akaun bank anda menggunakan kad ATM anda.<br \/><\/span> <\/li>\n<li><strong>Semak baki:<\/strong><span>: Anda boleh melihat jumlah wang yang ada dalam akaun anda. <br \/><\/span><\/li>\n<li class=\"page\" title=\"Muka Surat 1\"><strong>Deposit wang tunai:<\/strong><span>: Sesetengah, tetapi bukan semua ATM, membenarkan anda memasukkan wang tunai ke dalam akaun anda.<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;0px||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Jika anda memerlukan bantuan menggunakan ATM, anda boleh meminta bantuan kakitangan bank. Anda biasanya boleh mengenal pasti kakitangan bank dengan pakaian seragam dan lencana nama mereka.  <\/span><\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-6.png&#8221; title_text=&#8221;Asset 6&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;41%&#8221; width_tablet=&#8221;41%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;28px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Perkhidmatan di kaunter<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;10px||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Anda boleh memilih untuk menggunakan perkhidmatan kaunter dan bukannya mesin ATM. Kakitangan di belakang kaunter boleh membantu anda dengan pelbagai keperluan perbankan anda.  <\/span><\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-7.png&#8221; title_text=&#8221;Asset 7&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;41%&#8221; width_tablet=&#8221;41%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;28px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Meja-meja di pejabat<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;10px||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Anda mungkin melihat banyak meja atau ruang pejabat kecil di cawangan bank anda. Di sinilah ahli kakitangan boleh membantu anda membuka akaun bank, memilih produk perbankan atau perkhidmatan yang lebih rumit.  <\/span><\/p>\n<p><span>Adalah lebih baik baik pergi ke kaunter terlebih dahulu. Jika perlu, seorang kakitangan akan membawa anda ke salah satu ruang pejabat kecil tersebut  <\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ed804e&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;60%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; height=&#8221;149px&#8221; height_tablet=&#8221;149px&#8221; height_phone=&#8221;auto&#8221; height_last_edited=&#8221;on|phone&#8221; overflow-x=&#8221;visible&#8221; overflow-y=&#8221;visible&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;20px&#8221; width=&#8221;170%&#8221; width_tablet=&#8221;170%&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;200%&#8221; custom_padding=&#8221;10px|||50px|false|false&#8221; custom_padding_tablet=&#8221;10px|||50px|false|false&#8221; custom_padding_phone=&#8221;|20px||20px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; text_font_size_tablet=&#8221;20px&#8221; text_font_size_phone=&#8221;17px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"color: #ffffff;\">Anda tidak perlu segan atau takut untuk bertanya kepada kakitangan jika anda tidak pasti tentang apa yang perlu dilakukan atau mempunyai sebarang soalan. Kehadiran mereka adalah untuk membantu anda. <\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-8.png&#8221; title_text=&#8221;Asset 8&#8243; align=&#8221;center&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;56%&#8221; width_tablet=&#8221;56%&#8221; width_phone=&#8221;70%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;-60px|||220px|false|false&#8221; custom_margin_tablet=&#8221;-60px|||220px|false|false&#8221; custom_margin_phone=&#8221;0px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;|||74px||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;guide-to-using-bank&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Panduan menggunakan perkhidmatan bank di Malaysia<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(165,167,169,0.15)&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px||20px|40px|true|false&#8221; custom_padding_tablet=&#8221;20px||20px|40px|true|false&#8221; custom_padding_phone=&#8221;|20px||20px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;28px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Penolak tuntutan:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;12px&#8221; custom_padding=&#8221;15px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<span><em>Maklumat yang diberikan ini adalah tepat pada 3 Jun 2024. Sila semak dengan bank tertentu yang anda minati untuk memahami proses pembukaan akaun mereka. <\/em> <\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Di Malaysia, anda perlu melakukan pembukaan akaun bank di cawangan bank. Sesetengah bank mungkin membenarkan anda membuka akaun bank atas talian.  <\/span><\/p>\n<p><span>Begini caranya berfungsi: <\/span><\/p>\n<p>[\/et_pb_text][et_pb_text module_id=&#8221;guide-to-using-bank&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;21px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Membuka akaun bank di cawangan bank:<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Bawa MyKad anda, bukti alamat tempat tinggal dan sebarang dokumen lain yang diperlukan untuk perkenalan diri. Apabila anda sampai ke bank, ikuti langkah berikut: <\/span><\/p>\n<ol>\n<li><span>\u00a0Dapatkan nombor giliran daripada Mesin Nombor Gilir atau pergi ke kaunter maklumat<\/span><\/li>\n<li><span>Tunggu giliran anda<\/span><\/li>\n<li><span>Pergi ke kaunter apabila nombor anda dipanggil<\/span><\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span>Terangkan dengan tepat kepada kakitangan bank di belakang kaunter tentang perkhidmatan yang anda ingin lakukan.<\/span><\/li>\n<li><span>Selepas pemprosesan dan pengaktifan akaun, anda akan menerima butiran akaun anda dan kad ATM yang juga kad debit anda <\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;activating-an-atm-card&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Mengaktifkan kad ATM dan menetapkan nombor PIN untuk bank di Malaysia<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;guide-to-using-bank&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||5px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>1. Terima kad ATM anda:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Apabila anda membuka akaun bank, pihak bank akan memberikan anda kad ATM.<br \/><\/span><\/li>\n<li><span>Anda boleh menerima kad terus menerus di cawangan atau ia mungkin dihantar kepada anda melalui pos. <\/span><\/li>\n<li><span>Kad ATM ini juga boleh berfungsi sebagai kad debit <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Untuk maklumat lanjut tentang kad debit, sila lihat bahagian tentang <\/span><strong><a href=\"https:\/\/marf.org.my\/ms\/menguruskan-kad-debit-wang\/\">Kad Debit, Kad Kredit, Pindahan Bank Atas talian dan E-Dompet . <\/a><\/strong> <\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||20px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>2. Aktifkan kad ATM anda:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;|||20px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Untuk mengaktifkan kad anda dan menetapkan<\/span> <em><strong>PIN<\/strong><\/em><span>, branch anda perlu melakukan proses ini di mesin ATM atau di cawangan bank anda.<\/span> <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ed804e&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;83%&#8221; max_width=&#8221;134%&#8221; custom_margin=&#8221;20px||20px||false|false&#8221; custom_padding=&#8221;10px|0px|0px|50px|false|false&#8221; custom_padding_tablet=&#8221;10px|0px|0px|50px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><span style=\"color: #ffffff;\">Apakah maksud <em>PIN<\/em>?<\/span><\/h1>\n<p><span style=\"color: #ffffff;\"><\/span><\/p>\n<p><span style=\"color: #ffffff;\"><\/span><\/p>\n<ul>\n<li style=\"color: #ffffff;\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #ffffff;\">PIN (Nombor Pengenalan Peribadi) ialah kod rahsia yang anda gunakan dengan kad bank anda. Ia memastikan kad bank anda selamat dan membolehkan anda menggunakan wang anda dengan selamat. Ini fungsinya:  <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li style=\"color: #ffffff;\"><span style=\"color: #ffffff;\"><strong>Kod keselamatan:<\/strong> Kod in merupakan rangkaian nombor 4-6 angka yang hanya anda tahu.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<ul>\n<li style=\"color: #ffffff;\"><span style=\"color: #ffffff;\"><strong>Gunakan untuk transaksi:<\/strong> Anda memasukkan PIN anda di mesin ATM atau semasa membuat pembelian tanpa wang tunai untuk mengesahkan yang anda pemilik tulen kad tersebut.<br \/><strong><\/strong><\/span><\/li>\n<\/ul>\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li style=\"color: #ffffff;\"><span style=\"color: #ffffff;\"><strong>Pastikan wang anda selamat:<\/strong> Sekiranya kad anda dicuri, pencuri tidak boleh menggunakannya tanpa mengetahui PIN anda.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Muka Surat 1\">\n<div class=\"section\">\n<div class=\"layoutArea\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||30px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;30px||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Jika anda menghadapi sebarang masalah semasa proses pengaktifan, minta bantuan daripada seseorang yang anda percayai atau daripada kakitangan bank. Kakitangan bank boleh membimbing anda melalui proses mengaktifkan kad ATM anda.  <\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;using-internet-banking&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;10px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Menggunakan Perbankan Internet<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(165,167,169,0.15)&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;20px||20px|40px|true|false&#8221; custom_padding_tablet=&#8221;20px||20px|40px|true|false&#8221; custom_padding_phone=&#8221;|20px||20px|true|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; header_font_size=&#8221;28px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Penolak tuntutan:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;12px&#8221; custom_padding=&#8221;15px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<span><em>Ini adalah gambaran keseluruhan yang dipermudahkan. Sila semak dengan bank anda untuk proses atau keperluan tertentu. <\/em> <\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;20px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Apabila anda telah membuka akaun bank di cawangan bank, anda boleh mendaftar untuk perbankan internet. Perbankan Internet membolehkan anda menguruskan wang anda dengan mudah dari rumah.  <\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>1. Daftar untuk Perbankan Internet<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Pergi ke cawangan bank anda dan minta kakitangan bank membantu anda mendaftar untuk perbankan Internet.<\/span><\/li>\n<li><span>Mereka akan memberi anda nama pengguna dan kata laluan sementara.<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; hover_enabled=&#8221;0&#8243; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><strong>2. Log masuk<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Layari laman sesawang bank anda.<\/span><\/li>\n<li>Masukkan nama pengguna dan kata laluan sementara yang diberikan kepada anda untuk log masuk akaun anda<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>3. Tukar kata laluan anda<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;10px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Atas sebab-sebab keselamatan anda akan diminta menukar kata laluan sementara anda<\/span><\/li>\n<li><span>Pilih kata laluan yang anda boleh ingat dengan mudah tetapi tidak boleh diteka dengan mudah.<\/span><\/li>\n<li><span>Jangan kongsi nama pengguna dan kata laluan anda dengan orang yang tidak dikenali.<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>4. Lakukan Transaksi:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||10px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Setelah log masuk, anda boleh melihat baki wang yang ada dalam akaun anda, melihat senarai semua transaksi terbaru anda, memindahkan wang, membayar bil anda dan melakukan transaksi seterusnya. <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||10px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>5. Keselamatan:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||10px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Sebagai penamat berurus dengan perbankan Internet pastikan anda log keluar apabila anda selesai transaksi.<br \/><\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Jika memerlukan bantuan, anda boleh menelefon bahagian perkhidmatan pelanggan bank anda, pergi ke cawangan bank anda atau pohon pertolongan orang yang boleh dipercayai.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=&#8221;tips-for-staying-safe&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_id=&#8221;using-internet-banking&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#0198cf&#8221; header_font_size=&#8221;26px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; header_font_size_tablet=&#8221;25px&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\">Petua untuk kekal selamat semasa berurus perbankan atas talian atau di cawangan bank<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Apabila anda telah membuka akaun bank di cawangan bank, anda boleh mendaftar untuk perbankan internet. Perbankan Internet membolehkan anda menguruskan wang anda dengan mudah dari rumah.  <\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>1. Jaga rahsia PIN anda:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>angan beritahu sesiapa PIN anda<\/span><\/li>\n<li>Hanya masukkan PIN anda ke dalam mesin, jangan sekali-kali memberitahunya kepada seseorang.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>2. Lindungi maklumat peribadi anda:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Simpan butiran peribadi dan maklumat perbankan anda untuk diri anda sendiri<\/span><\/li>\n<li>Jangan kongsi maklumat anda dengan orang yang anda tidak percayai.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>3. Elakkan pautan yang mencurigakan:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Jangan klik pada pautan yang mencurigakan yang diterima daripada SMS, e-mel atau pesanan atas talian yang lain.<\/li>\n<li>Jangan klik pada pautan hiper (<em>hyperlink<\/em>) SMS\/teks yang mengubah hala anda ke tapak atau menyuruh anda memuat turun aplikasi ke telefon anda.<\/li>\n<li>Pihak bank tidak lagi akan menghantar kepada anda sebarang arahan pautan hiper yang boleh diklik melalui SMS pada telefon anda.<\/li>\n<li>Berhati-hati apabila diubah hala ke laman sesawang bukan rasmi atau mencurigakan.<\/li>\n<li>Sebagai langkah berjaga-jaga adalah paling selamat menaip alamat laman sesawang rasmi bank untuk berurusan perbankan atas talian setiap kali menggunakannya.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>4. Semak penyata bank anda:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||0px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Anda perlu rajin menyemak penyata bank anda dengan <span style=\"font-weight: 400;\">kerap<\/span>.<\/li>\n<li>Pastikan semua wang yang telah keluar daripada akaun anda adalah untuk perkara yang anda kenali dan anda perlu ingat tentang perbelanjaan yang dibuat.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>5. Laporkan transaksi yang tidak diiktiraf<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||10px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Jika anda melihat sebarang jumlah yang anda tidak pasti telah mengeluarkannya, beritahu kakitangan bank anda atau seseorang yang anda percayai. <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>6. Pastikan kad anda selamat:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||10px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Pastikan kad debit dan kad kredit anda selamat dan terjamin. <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_font_size=&#8221;18px&#8221; min_height=&#8221;0px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>7. Laporkan kehilangan kad:<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px||10px|15px|false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><span>Jika anda kehilangan kad, beritahu kakitangan bank anda atau pembekal perkhidmatan kad tersebut.<\/span><\/li>\n<li><span>Kad yang hilang akan dibatalkan dan mereka akan menghantar kad baharu kepada anda <\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; custom_padding=&#8221;||0px||false|false&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>AWAS<\/strong> terhadap orang yang tidak dikenali berlegar di belakang anda di ATM atau yang menawarkan bantuan dengan kad &#8220;terperangkap&#8221;. Mereka melakukan ini kerana mereka mahu PIN anda mengakses akaun anda. Dalam semua keadaan, adalah lebih baik untuk menjauhkan diri dan menolaknya.  <\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#58595b&#8221; text_line_height_tablet=&#8221;1.7em&#8221; text_line_height_phone=&#8221;1.7em&#8221; text_line_height_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;left&#8221; text_orientation_last_edited=&#8221;on|desktop&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span>Petua-petua ini akan membantu anda kekal selamat dan melindungi wang dalam akaun anda semasa berurus perbankan. <\/span><\/p>\n<p><span>Untuk mendapatkan maklumat lanjut tentang cara menggunakan perbankan Internet dengan selamat dan melindungi diri anda daripada penipuan, lihat bahagian kami tentang <\/span><strong><a href=\"https:\/\/marf.org.my\/ms\/lindungi-diri-anda-daripada-terkena-scam\/\">Lindungi Diri Anda Daripada Penipuan<\/a><\/strong> <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||92px||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|800|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;gcid-primary-color&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;20px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22header_text_color%22%93}&#8221;]<\/p>\n<h1>Hubungi Kami!<\/h1>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/marf.org.my\/ms\/langgan\/&#8221; button_text=&#8221;Langgan&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;20px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#0198cf&#8221; button_border_radius=&#8221;38px&#8221; button_font=&#8221;|700|||||||&#8221; button_use_icon=&#8221;off&#8221; custom_padding=&#8221;|70px||70px|false|true&#8221; button_text_size_tablet=&#8221;18px&#8221; button_text_size_phone=&#8221;17px&#8221; button_text_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mengurus kewangan untuk orang autismeBank, akaun bank dan perbankan atas talianSiri Mengurus WangKad debit, kad kredit, pemindahan wang atas talian dan E-dompetPinjaman bank dan kreditPenjimatan &amp; BelanjawanLindungi diri anda daripada terkena \u2018scam\u2019Memahami tentang insurans Jenis-jenis akaun bank Mengapa saya perlukan akaun bank? Apabila saya pergi ke bank, apa yang anda lihat? apa yang akan saya [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"class_list":["post-32754","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages\/32754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/comments?post=32754"}],"version-history":[{"count":0,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages\/32754\/revisions"}],"wp:attachment":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/media?parent=32754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}