# Current and Savings

The Current & Savings Account page allows you to manage and monitor different types of bank accounts. These accounts may be either Current Accounts (designed for regular transactions and often linked to debit cards or overdrafts), Savings Accounts (designed for saving money and earning interest over time) or Virtual Accounts (designed for wallets and agency banking accounts)

This guide will walk you through the navigation and core actions within the Current & Savings Account pages, including viewing account details, modifying accounts, deactivating/activating accounts, executing PNC/PND and freezing accounts.

## Accessing The Current & Savings Page

1. Log into the application using your credentials.
2. From the dashboard, navigate to **Accounts** in the side menu.
3. Select **Customer Account** from the dropdown list.
4. Select **Current and Savings** from the **Customer Account** dropdown list**.**

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## Search Current/Savings Account

To search for a current or savings account, perform the following steps:

1. Click on the **Add** button located at the page's top left.
2. Input your search criteria. You can search by **customer ID**, **customer name**, or **customer email**.
3. Click on **Search** to complete the action.

{% hint style="info" %}
**Modify Search:** You can also modify the search by selecting the desired row on the search result.
{% endhint %}

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## Create a Current/Saving Account

To create a current or savings account for a customer, please make sure that you have already entered the customer's information into the system. You can access the individual [customer information page](https://docs.udara360.io/core-features/account-management/customer-information/individual-customer-information) to create a new account.\
\
To initiate a new current or savings account:

1. Click the Add button at the page's top left.
2. Input the **customer ID, customer name, or email.**
3. Click on the **Search** button.
4. Select the customer account detail from the search results.&#x20;
5. Fill in the required customer account information. &#x20;
6. Click the **Save** button to apply.
7. Confirm the action by clicking the **“Yes, I want to proceed”** button.

<figure><img src="https://4148303057-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FxJO1GSxhJIrS0metPeFt%2Fuploads%2FhbP8eYbwpXqBuXNWNy1b%2Fcreate%20customer.gif?alt=media&#x26;token=5f004244-3c80-4451-93c9-7b5841db37d4" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}

{% endhint %}

## Modify Current/Savings Account&#x20;

To modify an existing current or savings account detail:

1. In the **Actions** column, click the **three vertical dots** (**⋮**) next to the current/savings you wish to edit.
2. Select **Modify** from the dropdown menu.
3. Make the necessary updates, such as changing the **Account Information**, **Interest Fees**, **Preferences, Mandate Rule, Referee** and **Other Documents**.
4. Click **Submit** to save and apply the changes.
5. Click the **"Yes, I want to proceed"** button to reconfirm action.

<figure><img src="https://4148303057-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FxJO1GSxhJIrS0metPeFt%2Fuploads%2FYV7jLDPyy0EQOWAL81xk%2FModify.gif?alt=media&#x26;token=c5909032-42f8-41d8-a963-93dcde407b39" alt=""><figcaption></figcaption></figure>

## View Current/Savings Account Balance&#x20;

To view an existing current or savings account balance:

1. In the **Actions** column, click the **three vertical dots** (**⋮**) next to the current/savings you wish to edit.
2. Click **View Balance** from the dropdown menu.

<figure><img src="https://4148303057-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FxJO1GSxhJIrS0metPeFt%2Fuploads%2FZO1HfLobXzCbhE8Vfqc5%2FView%20Balance.png?alt=media&#x26;token=d5fde791-21b5-49a7-b22f-fbfcf5fe8a4d" alt=""><figcaption></figcaption></figure>

## Activate/Deactivate Current & Savings Account&#x20;

To activate/deactivate an existing current or savings account:

1. In the **Actions** column, click the **three vertical dots** (**⋮**) next to the current/savings you wish to edit.
2. Select **Deactivate/Activate** from the dropdown menu.
3. Click the **"Yes, I want to proceed"** button to reconfirm action.

## Place a Post No Debit (PND) On Current & Savings Account&#x20;

To place a PND in an existing current or savings account:

1. In the **Actions** column, click the **three vertical dots** (**⋮**) next to the current/savings you wish to edit.
2. Select **Place PND** from the dropdown menu.
3. Click the **"Yes, I want to proceed"** button to reconfirm action.

## Place a Post No Credit (PNC) On Current & Savings Account&#x20;

To place a PND in an existing current or savings account:

1. In the **Actions** column, click the **three vertical dots** (**⋮**) next to the current/savings you wish to edit.
2. Select **Place PNC** from the dropdown menu.
3. Click the **"Yes, I want to proceed"** button to reconfirm action.

## Freeze Account

To freeze in an existing current or savings account:

1. In the **Actions** column, click the **three vertical dots** (**⋮**) next to the current/savings you wish to edit.
2. Select **Freeze** from the dropdown menu.
3. Click the **"Yes, I want to proceed"** button to reconfirm action.