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B.C.R.A.
COMUNICACIN A 5804
Vigencia:
27/10/2015
Pgina 4
B.C.R.A.
COMUNICACIN A 5804
Vigencia:
27/10/2015
Pgina 5
B.C.R.A.
Versin: 3a.
COMUNICACIN A 5804
Vigencia:
27/10/2015
Pgina 6
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B.C.R.A.
Adicionalmente, todos los cajeros automticos habilitados en el pas por cualquier entidad financiera debern informar, a travs de sus respectivas pantallas, la fecha correspondiente al prximo pago de la asignacin universal por hijo para proteccin social, de
acuerdo con la informacin que proporcione la ANSES.
- Extracciones de efectivo por ventanilla, de acuerdo con las condiciones previstas en el
punto 6.13.
- Compras y/o retiros de efectivo en comercios adheridos, efectuados con la tarjeta de
dbito.
Los movimientos -cualquiera sea su naturaleza- no podrn generar saldo deudor.
5.7.5. Tarjeta de dbito.
Deber proveerse -sin cargo- al titular de la cuenta y a su apoderado -de corresponderde una tarjeta magntica que les permitir operar con los cajeros automticos y realizar
las dems operaciones previstas en el punto 5.7.4., no siendo pertinente su entrega al titular cuando se haya designado un representante legal, en cuyo caso la entrega proceder a este ltimo.
Los reemplazos originados por las causales desmagnetizacin y/o el cumplimiento de
los requisitos mnimos de seguridad establecidos en las normas sobre Requisitos mnimos de gestin, implementacin y control de los riesgos relacionados con tecnologa informtica, sistemas de informacin y recursos asociados para las entidades financieras
no debern tener costo para el cliente.
5.7.6. Resumen de cuenta.
No resulta obligatoria la emisin peridica de resmenes con el detalle de los movimientos registrados en las cuentas.
En su reemplazo el sistema de cajeros automticos del banco depositario deber prever
la provisin de un taln en el que figuren el saldo y los ltimos diez movimientos operados.
Ello, sin perjuicio de que el beneficiario podr solicitar personalmente el resumen de
cuenta en la correspondiente sucursal.
Las acreditaciones correspondientes a los conceptos asignacin universal por hijo para
proteccin social, Programa Nacional de Becas Bicentenario para Carreras Cientficas
y Tcnicas -Decreto N 99/09- y Programa Hogares con Garrafas (HOGAR) -Decreto
N 470/15- debern consignarse, en los resmenes de cuenta (o en los comprobantes
de movimientos que se emitan a travs de cajeros automticos) de los respectivos beneficiarios, con las leyendas ANSES SUAF/UVHI, BECA BICENT y ANSES HOGAR,
respectivamente.
5.7.7. Cierre de cuenta.
El cierre de cuentas operar de acuerdo con el procedimiento que la ANSES o el respectivo ente administrador de los pagos determine. Sin perjuicio de ello, las entidades financieras depositarias podrn proceder al cierre de estas cuentas en caso de no haber
registrado acreditaciones de los beneficios previstos en el punto 5.7.3. por un plazo de
365 das corridos.
Versin: 9a.
COMUNICACIN A 5804
Vigencia:
27/10/2015
Pgina 19
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A 5659: Aplicacin del sistema de seguro de garanta de los depsitos. Depsitos e inversiones a plazo. Depsitos de ahorro, cuenta sueldo, cuenta gratuita universal
y especiales. Reglamentacin de la cuenta corriente bancaria. Cuentas a la vista
abiertas en Cajas de Crdito Cooperativas. Tasas de inters en las operaciones
de crdito. Actualizacin.
A 5718: Transferencias de fondos. Esquema de cargos y/o comisiones. Adecuacin.
A 5728: Comunicaciones A 5709 y 5717. Documentos de identificacin en vigencia.
Actualizacin de textos ordenados.
A 5738: Prevencin del lavado de activos, del financiamiento del terrorismo y otras actividades ilcitas. Depsitos de ahorro, cuenta sueldo, cuenta gratuita universal y
especiales. Reglamentacin de la cuenta corriente bancaria. Cuentas a la vista
abiertas en las cajas de crdito cooperativas. Actualizacin.
A 5739: Costo de las transferencias entre cuentas. Difusin por parte de las entidades
financieras. Modificacin.
A 5778: Transferencias inmediatas de fondos. Modificacin del importe para operaciones
originadas en cajeros automticos e Internet (home banking).
A 5779: Cuenta gratuita universal. Actualizacin del monto mximo admitido.
A 5804: Cuenta sueldo y Caja de ahorros para el pago de planes o programas de ayuda social. Ampliacin del plazo de cierre de cuentas. Identificacin de los conceptos de pago BECAS BICENTENARIO y ANSES HOGAR.
A 5809: Costo de las transferencias entre cuentas. Transferencias inmediatas de fondos.
Cuenta gratuita universal. Difusin por parte de las entidades financieras. Modificacin.
A 5891: Tasas de inters en las operaciones de crdito. Depsitos e inversiones a plazo.
Proteccin de los usuarios de servicios financieros. Servicios complementarios
de la actividad financiera y actividades permitidas. Posicin global neta de moneda extranjera. Aplicacin del sistema de seguro de garanta de los depsitos. Depsitos de ahorro, cuenta sueldo, cuenta gratuita universal y especiales. Reglamentacin de la cuenta corriente bancaria. Cuentas a la vista abiertas en las cajas
de crdito cooperativas. Actualizacin.
A 5927: Transferencias de fondos. Esquemas de cargos y/o comisiones. Adecuaciones.
A 5928: Proteccin de los usuarios de servicios financieros. Depsitos de ahorro,
cuenta sueldo, cuenta gratuita universal y especiales. Reglamentacin de la
cuenta corriente bancaria. Cuentas a la vista abiertas en las cajas de crdito
cooperativas. Adecuaciones.
B 6360: Cuentas Fondo de Desempleo para los Trabajadores de la Industria de la Construccin (Cap. I, Punto 4.2.).
B 6572: Derechos y garantas constitucionales. Actos discriminatorios.
B 9516: Modificacin del formato y diagramacin de la Libreta de Aportes al Fondo de
Cese Laboral - Credencial y Hoja Mvil complementaria y accesoria. Adecuacin
de la normativa vigente.
B 9699: Comunicacin A 5007. Informacin complementaria.
B 10025: Comunicacin B 9516. Libreta de Aportes al Fondo de Cese Laboral - Credencial y Hoja Mvil complementaria y accesoria. Prrroga del plazo de caducidad
de la Libreta de Aportes en su formato tradicional.
B 10567: Suplemento Excepcional - Damnificados por Inundaciones". Decreto N 390/13.
C 35473: Comunicaciones A 3682 y 3708. Fe de erratas.
C 42122: Depsitos de ahorro, pago de remuneraciones y especiales. Comunicacin A
4368. Fe de erratas.
C 50984: Comunicacin A 4809. Fe de erratas.
C 56320: Comunicacin A 5091. Fe de erratas.
C 57622: Comunicaciones B 9962, A 5161 y A 5164. Fe de erratas.