Akwatin Adadin Gaggawa na Gaggawa: Akwatunan Haƙora, Ƙirar Dukiyar Jihohi da Ba a Da'awar Ba, da Samun Mutuwa¶

Gano cewa banki ya rufe reshen ku na gida kuma ya tono tilas bude akwatin ajiyar ajiyar dangin ku, sanin cewa an aika kayan adon gado, tsabar zinare, ko ayyukan gidaje zuwa sashin kadarorin da ba a da'awar a jihar da ke fuskantar gwanjon sayar da jama'a, ko kuma an kulle shi daga cikin akwatin iyayen mamaci ko matar da suka mutu lokacin da kuke buƙatar gaggawar buƙatunsu na Ƙarshe da Alkawari ko kabari. A duk faɗin Amurka, Kanada, Burtaniya, Tarayyar Turai, da Ostiraliya, dubban rassan banki sun haɓaka ko kuma rufe su na dindindin a cikin shekaru goma da suka gabata, akai-akai suna aikawa da sanarwar rufe akwatin zuwa tsoffin adireshi na fayil daga shekaru ashirin da suka gabata. Ba kamar asusun dubawa da ajiyar kuɗi ba, ** Abubuwan da ke cikin akwatin ajiya mai aminci ba su taɓa samun inshorar Asusun Inshorar Deposit na Tarayya (FDIC), Hukumar Kula da Lamuni ta Ƙasa (NCUA), ko bankin kanta *. Mafi muni kuma, yayin da tsabar kuɗin da ba a ba da izini ba a cikin baitul malin Jiha yana zaune har abada yana jiran ku don neman ƙimar fuskar dala, ** ana siyar da dukiyoyin zahiri da aka ɓoye daga akwatin ajiyar ajiya da aka tono a kai a kai a gwanjon jama'a ta masu kula da kadarorin jihar a cikin shekaru 1 zuwa 3 na karɓar. darajar tsabar kudin. Kare kadarorin ku na buƙatar dakatar da jadawalin gwanjo kadarorin jihar nan da nan, duba takardar shedar wasiku na banki da rajistar lissafin ƙididdiga na banki don hakowa da wuri ko sakaci, da kiran ** Sashe na 3-317 (ko Dokokin Neman Neman Jiha) don buɗe akwatin da ya mutu ba tare da hatimi na watanni ba. Idan rigima a reshen banki ta rikide zuwa barazana ko rikicin likita, kira yankin ku lambobin gaggawa nan da nan; duba kuma Makullin shari'a, daskare dukiya, da hukumar gaggawa ta zartarwa, Rashin gazawar banki, daskararrun asusu, da dawo da FDIC, kuma Lokacin da masu karɓar bashi ke buƙatar biyan kuɗin kuɗin ɗan'uwan da ya rasu.

Yi wannan yanzu¶

1. Kare lafiyarka kuma ka kwantar da hankalinka a reshen bankin. Idan rigima da tsaro na reshe ya zama barazana, koma baya aƙalla mita 2 (ƙafa 6.5), ka bar ginin, sannan ka kira yankin ku. lambobin gaggawa (911 a Amurka da Kanada, 112 a cikin EU, 999 a Burtaniya, 000 a Australia).
2. ** Ƙayyade nan da nan ko har yanzu abin da ke cikin akwatin ku da aka tono yana cikin Babban Bankin Babban Banki ko kuma an riga an tura shi zuwa ga Mai Gudanar da Kadarorin Jiha da Ba a Da'awar Ba. shekaru *** kafin a mayar da shi ga jihar. Kira ** Akwatin Adana Mai Amintaccen Adana Tsakanin Ayyuka / Rukunin Ƙirar Kuɗi** na banki kuma ku buƙaci ** Log ɗin Drill, Takaddun Ƙididdiga Mai Dual-Custody Notary Inventory, da Lamba Bibiyar Jaka**.
3. Idan an riga an tura abubuwan da ke ciki zuwa Ofishin Kadarorin da ba a da'awar Jiha, sanya "Riƙe Gaggawa akan Liquidation / Auction" nan take a yau. A ƙarƙashin Dokar Kaddamar da Ba a La'akari da Uniform (RUUPA)** da dokokin jiha, ana ba da izini ga ma'aikatan jihar su ** siyar da kayan ajiyar ajiya na zahiri a gwanjon jama'a a cikin shekaru 3.* Bincika [Your State] Unclaimed Property ko MissingMoney.com nan da nan, kira ma'aikacin hukumar ta jihar Mai Kula da Kayayyakin Gaggawa, sannan a rubuta rubutaccen sanarwa ** Sanarwa na Da'awa da Buƙatar Daskare Liquidation ** don haka za a ciro kayan gadon dangin ku ko bullion daga rukunin gwanjo na gaba.
4. ** Idan mai akwatin ya mutu kawai kuma kuna buƙatar Wasiƙar, Ƙirar Ƙididdigar Ƙididdigar, ko Dokar Inshorar Rayuwa a ciki, ku kira tsarin "Bincike-Search / Burial Document" na jihar ku. jami'ai** kawai don dubawa da cirewa: (a) ** Wasiyya da Alkawari na Ƙarshe / Amintaccen Rayuwa **, (b) A ** Ƙididdiga zuwa Filin Jana'izar ko Umarnin Konewa, da © ** Manufofin Inshorar Rayuwa ** (an sake shi ga mai amfana mai suna).
5. ** Bukatar Bidiyon Hakowa Biyu-Custody Drilling da Notarized Inventory Log idan abubuwa sun ɓace a cikin akwati da aka haƙa.** Dokokin banki na jihohi da ka'idojin sarrafa dual-dual suna buƙatar ** ma'aikatan banki biyu (ko jami'in banki da kuma ma'aikacin Notary Public)** su kasance ƙarƙashin kyamarorin tsaro na sama.3 meters / 10 feet radius ɗaukar hoto) yayin buɗe akwatin, ƙirƙira kowane abu akan ** Takaddun Takaddun Kaya ***, da kuma rufe zafi a cikin jaka mai ƙima mai ƙima. Ku bauta wa na yau da kullun ** Rike Shari'a da Sanarwa Tsarewa ** nan da nan kafin madauki na banki na kwanaki 30 zuwa 90 na sa ido na banki ya sake rubuta hotunan vault.
6. ** Yi da'awar inshora na mai gida ko mai haya "Labarai na Sirri" idan an sace akwatin, ambaliya, ko lalata ta da wuta. banki ya gaza, ambaliya, ko konewa. Bincika Dokar Inshorar Masu Gida ko Masu haya** nan da nan (manufofin HO-3 na yau da kullun suna ba da iyakataccen ɗaukar hoto har zuwa kashi 10 na Rufin C, dangane da ƙayyadaddun iyakokin $200 don tsabar kuɗi/bullion da $1,500 zuwa $2,500 don kayan adon da ba a tsara ba, sai dai idan kun sayi ** Shirye-shiryen Dukiya* na sirri *).

Bishiyar yanke shawara: Safe akwatin ajiya rikicin bambanci¶

flowchart TD
    A["An Gano Gaggawa Akwatin Ajiye Ajiye"] --> B{"Menene ainihin yanayin gaggawa?"}
    B -->|"1. Mai Shi Kadai Ya Mutu & An Rufe Akwatin"| C["Kira Sashe na UPC 3-317 / Dokar Neman Neman Jiha: Jadawalin Jadawalin Jami'i Biyu Ana Kula da Buɗewa don Cire Wasi, Ayyukan Jana'izar, & Manufar Inshorar Rayuwa"]
    B -->|"2. An Rufe reshe ko An hako Akwatin don Rashin Biyan Kuɗi / Kwanciyar Hankali"| D{"Shin har yanzu Bankin yana rike da buhun da aka rufe a cikin Babban Rukunin Tsaro na Tsakiya, ko kuwa an garzaya da shi zuwa Jiha?"}
    B -->|"3. Kayayyakin Suna Bacewa Bayan Haƙon Banki ko Motsin Vault"| E["Bada Sanarwa Tsarewar Bidiyo na Nan take (Vault CCTV Yana Rubutu a cikin Kwanaki 30-90)"]
    B -->|"4. Ambaliyar ruwa, Wuta, Guguwa, ko Abubuwan da aka Lalace na Satar Vault"| F["FDIC Baya Rufe Akwatuna: Fayil ɗin Fayil a ƙarƙashin Masu Gida/Masu Hayar Ruwa + Sue Bank idan Vault ya gaza Doka ta UL Class 350 / Matsayin Hatimin Ruwa"]
    D -->|"Har yanzu a Bankin Central Vault"| G["Biyan Hayar Akwatin da ta gabata & Kuɗin Hakowa (ko Buƙatar Kuɗin Buƙatar idan Banki ya Aika Sanarwa na Rufewa zuwa Ba daidai ba Adireshin) & Shirya Mai Inshora / ɗaukar Mutum"]
    D -->|"Tuni An Kaiwa Jihar Kadarorin da Ba a Da'awar Ba"| H{"Shin Ma'ajin Jiha / Kwanturola ya riga ya yi gwanjon abubuwan da ake iya gani?"}
    H -->|"A'a: Abubuwan Har yanzu a cikin Jiha Vault"| I["Da'awar Gaggawa Gaggawa Fayil & Daskare Rubutu akan Likitan Auction; Gabatar da ID, Tabbacin Mallakar Akwati, & Takardun Gado"]
    H -->|"Ee: An riga an sayar da shi a gwanjon Jiha"| J["Kasuwancin Lantarki yana Ci gaba daga Jiha + Binciken Ko Bankin ya keta Dokokin Sanarwa Takaddar Wasiku Tabbatattun Dokokin Sanarwa na Wasiku Kafin Hakowa (Bankin Kotu don Cikakkar Darajar Kasuwa Mai Kyau)"]

Yanayi na 1: Maigidan ya mutu kuma bankin ya rufe akwatin (Yadda za a dawo da wasiyyar, Aikin binnewa, da abinda ke ciki)¶

Lokacin da mai ajiyar ajiyar ajiya ya mutu, iyalai akai-akai suna yin ɗaya daga cikin kurakurai biyu masu tsada: ko dai dangin da ke da maɓalli ya yi ƙoƙarin kutsawa cikin rumbun ta amfani da ikon Lauyan da ya ƙare (wanda ba bisa ƙa'ida ba ne saboda ** kowane ikon Lauyan ya ƙare kai tsaye a daidai lokacin mutuwar shugaban makarantar**), ko kuma dangin su gaya wa maigidan ya mutu sannan ya gayawa mai banki ya sake duba akwatin har sai Kotun Probate ta fitar da Haruffa Alkawari ko ** Wasiƙun Gudanarwa ***. Wannan ya haifar da Catch-22 na shari'a na yau da kullun: Ba za ku iya samun wasiƙun wasiƙu daga Kotun Ƙaddamarwa ba tare da shigar da ainihin wasiƙar da marigayin na ƙarshe da alkawari ba, kuma ba za ku iya samun ainihin wasiyyar ba saboda an kulle ta a cikin akwatin ajiya mai hatimi.

1. Yadda Ake Magance Masu Haɗin gwiwar Haɗin gwiwa da Wakilai / Wakilan POA Bayan Mutuwa¶

Kafin neman doka za a bincika, duba ** Yarjejeniyar Hayar Akwatin Adana Amintaccen (Katin Sa hannu)** don ganin yadda aka yiwa akwatin taken:

2. Mataki-mataki: Kiran Doka ta "Binciken Nufin Kulawa da Ayyukan Jana'izar" (Sashe na UPC 3-317)¶

Kusan kowace jihar Amurka (ciki har da Sashe na Probate Code na California 331, Sashe na Dokokin Florida 655.935, New York Surrogate's Court Procedure Act (SCPA) Sashe na 2003, Sashe na Lambobin Gidajen Texas 151.001-151.005, Illinois 755/CS0 Pa. Sashe na 3101) ya kafa wata doka da ke ba da izinin shiga cikin gaggawa a cikin akwatin ajiyar ajiyar mamaci ** kafin a buɗe shari'a ***:

1. Tara abubuwan da ake buƙata guda 3: (a) Tabbataccen kwafin ** Takaddar Mutuwa ** (ko kuma, idan jana'izar bai faru ba tukuna kuma kuna buƙatar gaggawar takardar shedar binne makabarta , rubutacciyar Tabbatar da Wasiƙar Mutuwa daga asibiti, likitan asibiti, ko daraktan jana'iza); (b) ** ID na hoto *** da shaidar alaƙa (takardar aure, takardar shaidar haihuwa, ko kwafin Wasiyin suna kiran ku a matsayin Mai zartarwa); da © Maɓallin Akwatin ajiya mai aminci ** (idan maɓallin ya ɓace, har yanzu kuna iya kiran ƙa'idar Will Search ko samun odar * Ex Parte* ƙarƙashin ƙa'idodi kamar Sashe na New York SCPA 2003, biyan kuɗin banki na $150 zuwa $350 na makullin hakowa).
2. Kira Manajan Reshe kuma buga Doka ta Neman Akwatin Adana Amintaccen Akwatin Deposit na jiharku: Cewa baki ɗaya: "Ina kira don tsara Tsarin Kula da Safe Deposit Deposit Akwatin Dubawa ga wanda ya rasu a ƙarƙashin Dokar Probate na jihar mu [misali, Sashe na UPC Flat 3-317 / Section Staction Prob.3. 655.935 / Sashe na NY SCPA 2003] kawai don ganowa da cire ainihin Izinin Ƙarshe da Alkawari, Ƙarfafa Ƙwararru na Makabarta, da kowane Manufofin Inshorar Rayuwa."
3. Sanin abin da ke faruwa a cikin rumbun ajiya yayin Binciken Kulawa: Ma'aikatan banki guda biyu (ko jami'in banki da notary) za su raka ka cikin rumbun don buɗe akwatin su duba ** kawai *** don takaddun:
4. ** Wasiƙar da Alƙawari ko Ƙarshe:** Jami'in banki zai kwafi shi don fayil ɗin banki da kuma ku, kuma ko dai ya ba da ainihin wasiyyar kai tsaye ga wanda ake kira Executor akan rasidin da aka sa hannu ko aika ta hanyar ** Rijista / Tabbataccen Wasikar kai tsaye zuwa magatakarda na Kotun Probate / Surrogate's Court**.
5. ** Ƙididdigar Ƙididdigar Jana'izar Jana'izar ko Umarnin Jana'izar: ** An sake shi nan da nan zuwa ga dangi ko mai kula da jana'izar a kan takardar sa hannu.
6. ** Manufar Inshora ta Rayuwa: ** Ana isar da shi kai tsaye ga mai suna mai cin gajiyar wanda aka bayyana akan fuskar manufar.
7. Duk sauran abubuwa (kayan ado, tsabar kudi, tsabar kudi, agogo, takaddun hannun jari, taken mota) DOLE su kasance a cikin akwatin ** yayin wannan binciken na farko har sai kun dawo tare da ko dai ** Tabbataccen Estate Affidavit ** (bayan lokacin jira na kwanaki 30 zuwa 45 idan jimillar kadarar ta kasance ƙasa da $ 50,000 zuwa $ 184) na jihar ku. Wasiƙar Gudanarwa** (duba Makullin shari'a, daskare dukiya, da hukumar gaggawa ta zartarwa).

Yanayi na 2: Bankin ku ya rufe reshen ko ya tona akwatin ku ba tare da sanin ku ba¶

A cikin shekaru da yawa da suka gabata, manyan bankunan ƙasa da na yanki sun rufe dubban rassa na zahiri ko kuma sun kawar da ma'ajin ajiya mai aminci yayin sake fasalin. A lokaci guda kuma, masu amfani waɗanda suka kafa tsarin cire asusun ajiyar kuɗi ta atomatik don hayan ajiyar kuɗin ajiyar kuɗin shekara shekara da suka gabata sukan gano cewa ƙaura na kwamfuta ta banki ta dakatar da ci gaba da cin zarafi ta atomatik, wanda hakan ya sa bankin ya nuna akwatin a matsayin "Delinquent / Dormant" kuma ya buɗe shi.

1. Abin da Shari'a Za Ka Ɗauki Banki dole ne ya bi kafin hako Akwatin ajiya mai aminci¶

Lambar Banki ta kowace jiha tana kafa ƙaƙƙarfan sharuɗɗa na doka kafin banki ya iya haƙa akwati don rashin biyan haya ko rufe reshe:

2. Yadda ake Bibiya da Mai da Abubuwan Akwatin da aka Hako daga Banki¶

1. ** Bukatar Sashin Ayyuka & Tsare-tsare:** Nemi a haɗa su nan da nan zuwa Bankin ** Ayyukan Akwatin ajiya mai aminci na tsakiya / Sashen kadarorin da ba a da'awar ** da ** Sashin Haɓaka Haɓaka * *.
2. ** Nemi waɗannan bayanan banki guda 5 na cikin gida a rubuce:** (a) Katin Lease Card da ledar cirar kuɗi ta atomatik; (b) ** USPS Certified Mail Tracking Numbers da Dawo da Rasitoci *** don sanarwar riga-kafi; © da ** Notarized Certificate of Inventory (Sheet Drill); (d) ** Lamban Serial Bag-Bag da wurin Babban Vault; da (e) idan an yi watsi da shi, ** Kwanan Watan Kuɗi na Jiha, Lambar Batch, da Lambar ID na Dukiyar Jiha **.
3. ** Shirya Amintaccen Maidowa Cikin Mutum:** Bari banki ya jigilar jakar da aka rufe ta hanyar ** masinja mai sulke (Brink's / Loomis)** zuwa reshe na gida don ku iya buɗe jakar ** akan kyamara a gaban manajan reshe da notary** kuma ku kwatanta kowane abu da Sheet Inventory Sheet. Kada ku taɓa sanya hannu kan "Cikakken Sakin Duk Wani Laifi" kafin buɗe jakar. Ku rubuta a sama da sa hannun ku: "Rasidin da aka sanya hannu kawai don isar da Jakar da aka rufe #[Lambar] kafin dubawa; duk haƙƙoƙin kiyayewa."

Yanayi na 3: Tsayar da gwanjon Kayan Kaya da Ba'a Da'awar Jiha ba¶

Idan bankin ku ya riga ya yi watsi da (canja wurin) abin da ke cikin akwatin ajiyar ajiyar ku da aka tona zuwa ga gwamnatin jihar a karkashin Dokar kadarorin da ba a da'awar ku ba (yawanci bayan shekaru 3 zuwa 5 na zaman kwana ko hayar da ba a biya ba), ** agogon yana kan ku da ƙarfi ***.

1. Yadda Ruwan Jiha Ke Rusa Kima: Gidan ajiyar kadarorin jihar da ba'a nema ba yana karbar buhun da aka rufe daga banki, ya bude shi, ya rubuta abin da ke cikinsa a karkashin ** Lambar ID na Dukiyar Jiha**, sannan ya sanya sunan mai shi a gidan yanar gizo na kadarorin jihar. Karkashin ** Sashe na 701 na Dokar Kayayyakin Kayayyakin Kayan Kayan Kayan Kaya (RUUPA)** da ka'idojin Jiha, Ana buƙatar Mai Gudanarwa na Jiha don riƙe kayan ajiyar ajiya na zahiri na ɗan gajeren taga na doka (sau da yawa ** shekara 1 zuwa 3 shekaru bayan karɓa da sanarwar bugawa *, kodayake ana riƙe lambobin soja tsawon lokaci a ƙarƙashin ** Tallafin Sojoji a kan layi) gwanjo. Takaddun takarda da ba za a iya sasantawa ba (Wills, Ayyuka, Takaddun Takaddun Haihuwa) akai-akai ana yanke su idan ba a yi da'awar ba, yayin da ake yin gwanjon tsabar kudi, kayan ado, agogo, da kayan gado, barin mai shi wanda ya yi ikirarin a makare tare da ** kawai adadin dala ta yanar gizo da aka tattara a gwanjon *** (a rage farashin gwanjo) da sifili ikon dawo da kayan jiki.
2. Tsarin Gaggawa don Daskare Haɗin Jiha: Bincika a Jami'in Ƙungiyar Masu Gudanar da Dukiya ta Ƙasa (NAUPA) a MissingMoney.comkumaUnclaimed.org, tare da takamaiman gidan yanar gizon ku na Kwanturola/Ma'aji a ƙarƙashin saɓanin sunan mai haya, sunan budurwa, da sunan gidan marigayin. A kira sashin Tangible Property/Safe Deposit Box Unit nan da nan, a ba su ** Lambar ID na Dukiya**, kuma ka nemi mai kulawa da ya sanya tuta ** Active Claim/Auction Hold Flag** nan take a kan filin da ke cikin rumbun jihar don haka an cire shi daga kowane kasida mai zuwa. Tabbatar da rubuce-rubuce ta hanyar imel da ke buƙatar dawo da kadarorin zahiri ** a cikin nau'in ** da daskare kai tsaye kan duk wani ruwa ko lalata yayin da ake sarrafa takaddun ku.

Yanayi na 4: Abubuwan sun ɓace a cikin akwatin ajiyar ajiyar ku, ko an mamaye rumbun, kone, ko aka sace¶

Fitar da yarjejeniyar hayar Akwatin ajiya mai aminci na bankin ku kuma za ku sami sassan da ke ƙoƙarin ɗaukar alhakin bankin a $ 500 ko $ 10,000 ** da kuma musanta alhakin ambaliya, wuta, ko bacewar ban mamaki. Duk da haka, a ƙarƙashin dokar ƙasa da dokar beli / mai ba da izini, ** banki ba zai iya yin kwangila ba saboda babban sakacinsa, rashin da'a da gangan, canzawa daga ma'aikatan banki, ko keta hakowa na doka da hanyoyin sarrafawa biyu**:

• ** Hakowa mara kyau / wanda ba a kai ba ba tare da Sanarwa ba: *** Kotuna a duk faɗin Amurka sun yi ta maimaita cewa lokacin da banki ya ƙaddamar da akwati ** kafin lokacin la'akari da doka ya ƙare ***, ba da lambar akwatin da ba daidai ba ta kuskure, ko kuma ta kasa aika wajabcin wajabta bisa ga doka. iyawa lokacin da abubuwa suka ɓace yayin buɗewa mara izini.
• Rashin Tsaron Maɓallin Maɓalli Dual-Control: daidaitaccen kulle akwatin ajiyar ajiya yana buƙatar ** maɓallai biyu lokaci guda** don buɗewa: Maɓallin Tsaro na Banki da Maɓallin Abokin Ciniki* (wanda bai kamata banki ya ajiye shi ba). Idan ma'aikacin banki ya riƙe maɓallin abokin ciniki wanda ba a ba da shi ba, ya kasa sake maɓallin kulle tsakanin masu haya, ko barin wani ya shiga cikin rumbun ajiya ba tare da daidaita sa hannun sa da ID akan Vault Entry Access Log ba, bankin yana da alhakin tsaro kai tsaye.
• ** Ambaliyar Ruwa ko Lalacewar Wuta:** Idan bututun famfo ya fashe a cikin ginin bankin kuma ya mamaye rumbun na tsawon sa'o'i 48 saboda kararrawar ruwan da bankin ya yi ya karye ko kuma bankin ya kasa sanar da masu rike da akwatuna da sauri ta yadda za su iya bushewa da kudin ruwa da takardu, bankin na iya zama da alhakin sakaci.

Wasiƙar buƙatu ta zahiri: Akwatin ajiya da aka haƙa da kuskure, abubuwan da suka ɓace, da adana CCTV¶

Aika wannan wasiƙar ta hanyar ** Wasiƙar Takaddun shaida na USPS tare da Buƙatar Dawowar Da Aka Bukatar** zuwa ga Babban Lauyan Banki, Safe Akwatin Ayyukan Aiki, da OCC/CFPB:

[Date]
VIA USPS CERTIFIED MAIL - RETURN RECEIPT REQUESTED (Tracking #: [Insert Number])
To: Office of the General Counsel & Centralized Safe Deposit Box Operations, [Bank Name & Address]
Re: Safe Deposit Box #[Box Number] at [Branch Address] | Lessee: [Your Name] | Account #: [XXXX-1234]

URGENT NOTICE OF WRONGFUL SAFE DEPOSIT BOX DRILLING, DEMAND FOR IN-KIND RETURN
AND NOTARIZED DRILL INVENTORY, AND LITIGATION HOLD ON VAULT CCTV

To Whom It May Concern:

I am the lawful lessee of Safe Deposit Box #[Box Number] at your [Branch Name] branch. On [Date], I discovered that [Bank Name] [forcibly drilled open my box without statutory notice / closed the branch and removed my contents / returned a safekeeping bag with items missing].

1. DEMAND FOR IMMEDIATE LOCATION AND IN-KIND RETURN: If my contents remain in [Bank Name]'s Central Safekeeping Vault, disclose the exact location and Tamper-Evident Bag Serial Number(s), place an immediate hold preventing escheatment to the state, and arrange armored transport to your [Nearest Active Branch] for inspection before a bank officer and Notary Public. If already transferred to a State Unclaimed Property Administrator, provide the Remittance Date, Batch Number, and State Property ID Number within 48 hours.

2. DEMAND FOR STATUTORY DRILLING RECORDS: Produce within five (5) business days: (a) the signed and notarized Certificate of Inventory (Drill Log) executed under dual custody; (b) proof of service of the statutory pre-drilling Notice by Registered or Certified Mail (and why [Bank Name] failed to notify my active address, email, and phone on file for account #[XXXX-1234]); (c) the Vault Entry Access Log for the past five (5) years; and (d) the billing ledger showing why annual box rental auto-debit from account #[XXXX-1234] ceased.

3. MANDATORY VIDEO PRESERVATION HOLD: Do NOT overwrite or delete any CCTV footage showing the vault, drilling of Box #[Number], cataloging, bagging, or transport of contents at [Branch Address] and your Central Safekeeping Vault. Extract and preserve all video files immediately before your 30-to-90-day loop overwrites them.

Sincerely,
[Your Signature, Printed Name, Address, Phone Number, and Email]
cc: OCC Customer Assistance Group / CFPB / State Banking Regulator

Lambobin gaggawa na yanki da ka'idojin hukumar¶

Idan gardama a reshen banki ta rikide zuwa barazana ko gaggawar likita, kira yankin ku lambobin gaggawa nan da nan. Don korafe-korafen tsari game da akwatunan ajiya da aka tona, gwanjon kadarorin da ba a nema ba, da samun damar yin gwaji:

• Amurka: Bincika duk jihohi a MissingMoney.comkumaUnclaimed.org (NAUPA). Shigar da koke-koken banki tare da Office of the Comptroller of Currency (OCC) a HelpWithMyBank.gov (1-800-613-6743), ** Ofishin Kariyar Kuɗi na Masu Amfani (CFPB)** a consumerfinance.gov/complaint (1-855-411-2372), ko Taimakon Masu Amfani da Tarayyar Tarayya (1-888-851-1920). Don lalacewa kudin, tuntuɓi BEP Rarraba Currency Division (bep.gov, 1-866-575-2361); don asarar ajiyar kuɗi, fayil ** FS Form 1048 ** a treasurydirect.gov.
• Kanada: Ba kamar asusun kuɗi da ba a da'awar, Bankin Kanada baya karɓar abun cikin jiki na akwatunan ajiya mai aminci. Karkashin dokar tarayya Bank Act (S.C. 1991, c. 46) da dokokin kadarorin da ba'a da'awar lardi, bankunan Kanada suna rike da akwatunan da aka tona a cikin rumbun ajiya na tsakiya kafin a zubar da doka ko turawa. Ƙarfafa takaddama zuwa ga Ombudsman for Banking Services and Investments (OBSI) (obsi.ca ko 1-888-451-4519) da kuma Hukumar Kasuwanci ta Kanada (FCAC) (1-866-461-3222).
• ** United Kingdom: *** Bankunan Burtaniya suna ba da izini ga masu zartarwa mai suna a cikin Wasi don tsara tsarin dubawa tare da ** ƙwararrun Takaddar Mutuwa ** da ** ID na hoto *** don dawo da ** asali na wasiyyar *** kafin a ba da Grant of Probate. Abubuwan da ba a tattara ba a cikin amintaccen tsaro ana gudanar da su ta hanyar Dokar Tsashe (tsangwama da Kaya) Dokar 1977 (sanarwa sashe na 12). Haɓaka hakowa ba daidai ba ko abubuwan da suka ɓace zuwa ** Service Ombudsman Service (FOS)** (financial-ombudsman.org.uk ko 0800 023 4567).
• ** Ƙungiyar Tarayyar Turai:** A duk faɗin hukunce-hukuncen dokokin EU, akwatin ajiyar ajiyar mamaci (coffre-fort / Bankschließfach) an daskarar da shi kan sanarwar mutuwa kuma dokar farar hula ta buɗe ** Notary (Notaire / Notar)** na yau da kullun * inventaire ) Doka ta 650/2012)**.
• ** Ostiraliya da New Zealand: ** ** ASIC's Moneysmart Unclaimed Money Database** ya rufe asusun * tsabar kudi* da ba a da'awar bayan shekaru 7 a ƙarƙashin * Dokar Banki 1959 , ** ba ** abubuwa na zahiri a cikin akwatunan ajiya mai aminci (jihar ** Ayyukan Kayayyakin da ba a Tara ba*). Ƙaddamar da rikice-rikice zuwa Hukumar Korafe-korafen Kuɗi na Australiya (AFCA) a afca.org.au (1800 931 678) ko Tsarin Ombudsman Banki na New Zealand (bankomb.org.nz, 0800 805 950).

Tambayoyin da ake yawan yi¶

Shin abin da ke cikin akwatin ajiyar ajiya na banki yana da inshora ta FDIC ko banki?¶

A'a. Kasa da 12 U.S.C. Sashe na 1813 (l), da Farashin FDIC kawai insures ajiya asusun a kan banki gazawar da kuma a sarari ya keɓe akwatunan ajiya masu aminci a kan gazawar banki, sata, wuta, ko ambaliya. Bugu da ƙari, bankin da kansa ba ya tabbatar da abin da ke cikin akwatin ku sai dai idan rashin kula da bankin ya yi ne ko kuma keta doka. Idan ka adana kayan ado, agogo, ko tsabar kudi a cikin akwati, ƙara a Shirye-shiryen Kayan Kayayyakin Kayayyakin Kaya tare da rangwamen "In-Vault Storage" ga Masu Gida ko manufar Inshorar Masu haya.

Me yasa yake da haɗari a ajiye kwafin Ƙarfin Lauyan ku, Wasiyyar Rayuwa, ko Fasfo ɗinku KAWAI a cikin akwatin ajiya mai aminci?¶

Za a iya isa ga akwatin ajiya mai aminci ne kawai a cikin lokutan banki na ranar mako. Idan kun sami bugun jini kwatsam ko haɗari, wakilin ku ƙarƙashin a Ƙarfin Ƙarfin Kuɗi na Lauya ko Wakilin Kula da Lafiya ba zai iya buɗe akwatin ku ba tare da samun ainihin POA a hannu ba, kuma sassan shari'a na banki suna ɗauka akai-akai 5 zuwa 14 kwanakin kasuwanci don amincewa da POA. Kiyaye Asalin Ƙarfin Lauyanka, Jagoran Kiwon Lafiya na gaba, Fasfo, da Umarnin binnewa a cikin amintaccen gida mai hana wuta (ƙimar UL Class 350 na awa 1 a 927 digiri Celsius / 1,700 Fahrenheit) kuma ba da kwafi ga wakilan ku mai suna.

Shin yana doka don adana tsabar kuɗi na zahiri ko zinare a cikin akwatin ajiyar ajiya na banki?¶

A cikin Amurka, ba laifi ba ne a ƙarƙashin dokar tarayya ko ta jiha don adana kuɗin da aka samu bisa doka ko bullion a cikin akwatin ajiya mai aminci. Koyaya, yawancin manyan yarjejeniyoyin hayar banki na Amurka sun hana adana kuɗin takarda (sai dai in ƙima mai ƙima) kuma suna gargaɗin cewa tsabar kuɗi da bullion ba su da inshora. Ajiye tsabar kudi a cikin akwati yana rasa ikon siye zuwa hauhawar farashin kayayyaki, yana samun riba 0%, 0% na inshorar FDIC, an keɓe shi a $200 a ƙarƙashin daidaitattun manufofin masu gida, kuma yana haifar da ƙidayar rigingimu idan akwatin ya fashe.

Me zai faru idan IRS ko mai ba da lamuni na shari'a ke ba da haraji ko rubutattun kayan ado a banki na: shin za su iya daskare su tona akwatin ajiya na?¶

Ee. Lokacin da IRS ke aiki a Sanarwa na Levy (Form 668-A) ko mai shari'a bashi yayi hidima a Rubutun Kisa A bankin ku, nan da nan bankin ya rufe kuma ya daskare akwatin ajiyar ajiyar ku. Karkashin Littafin Harajin Harajin Cikin Gida (IRM) 5.11.4.8, idan ba ku warware bashin haraji ba ko yarda don buɗe shi, IRS ta sami odar kotu (ko jira lokacin ka'ida) don buɗe akwatin a gaban Jami'in Harajin IRS tare da kama kayan da ba a keɓe ba (duba) Harajin asusun banki, daskararre asusun dubawa, da fitar da kuɗaɗen keɓe).

Idan na rasa maɓallai biyu na akwatin ajiya na, ko maɓalli ɗaya kawai fa?¶

Matsalar banki maɓallan abokin ciniki iri ɗaya guda biyu yayin sa hannu akan haya kuma baya riƙe kwafin maɓallin abokin ciniki (Maɓallin "Maɓallin Tsaro" na duniya kawai yana juya lokaci guda tare da maɓallin ku). Idan ka rasa daya maɓalli, ɗauki ragowar maɓallin ku zuwa banki nan da nan don musanya silinda makullin yayin da ƙofar ke buɗe. Idan ka rasa duka biyu maɓallai, maƙalli mai ɗaure dole fitar da silinda makullin a gaban ku na zahiri ($ 150 zuwa $350).

Jagora masu alaƙa¶

• Makullin shari'a, daskare dukiya, da hukumar gaggawa ta zartarwa
• Rashin gazawar banki, daskararrun asusu, da dawo da FDIC
• Harajin asusun banki, daskararre asusun dubawa, da fitar da kuɗaɗen keɓe
• Lokacin da masu karɓar bashi ke buƙatar biyan kuɗin kuɗin ɗan'uwan da ya rasu
• Lambobin gaggawa ta ƙasa

Tushen da jagorar hukuma¶

• Federal Deposit Insurance Corporation (FDIC) & Office of the Comptroller of Currency (OCC) (Amurka): Labaran Masu Amfani da FDIC: Abubuwa Biyar da Ya Kamata Sanin Game da Akwatunan Ajiye Amintattu; 12 U.S.C. Sashe na 1813 (l); da Taimakon OCCWithMyBank Guidance (helpwithmybank.gov).
• Hukumar Doka ta Uniform & NAUPA (Amurka): Dokar Kayayyakin Kayayyakin Da Aka Sake Gyara (RUUPA) Sashe na 201, 501-503, da 701-702; Sashe na 3-317; da * Dokokin Tsaron Tsaro na Jiha (Cal. Prob. Code Sashe na 331, Sashe na NY SCPA 2003, Fla. Stat. Sashe na 655.935)*.
• U.S. Sashen Baitulmali & IRS (Amurka): Ka'idojin Kuɗi na BEP (31 CFR Sashe na 100); Taskar Taimako Form 1048; da IRM 5.11.4.8 (Levies on Safe Deposit Akwatunan).
• FCAC (Kanada), Sabis na Ombudsman Financial (Birtaniya), & AFCA (Ostiraliya): Dokar banki (Kanada); Labarai (tsangwama ga kaya) Dokar 1977 (Birtaniya); da Ayyukan Kayayyakin Jiha (Australia).