Bangladesh Bank has introduced paperless Automated Clearing House in the Country which is the Inter Bank clearing system that electronically clears and settles payment instructions of clearing instruments and of electronic fund transfer instructions. Bangladesh Automated Cheque Processing Systems (BACPS) had started its operation on October 7th, 2010 in the Dhaka Clearing House area. BACPS uses the Cheque Imaging & Truncation (CIT) technology for electronic presentation and payment of paper instruments (i.e.cheque, pay order, Demand Draft, dividend & refund warrants, etc).This project is being implemented as part of its several reform measures taken by Bangladesh Bank to improve the safety and efficiency in the payment system. Our Jamuna Bank Limited has always been a leader in complying with the requirements of the project i.e, Cheque Personalization, MICR encoded cheque book issuing, System Integration Test (SIT) with Bangladesh Bank's Live & Disaster Recovery sites. All branches of Jamuna Bank Limited are providing BACPS, BEFTN & RTGS facility to its clients across the country.

Advantages of Bangladesh Automated Cheque Processing System (BACPS):

  • Reduced Costs
  • Immediate Confirmation
  • Increased Productivity
  • Streamlined Process
  • Faster Reimbursement


To facilitate a safe secured and efficient interbank payment system, Bangladesh Bank introduced the Real Time Gross Settlement (RTGS) system on 29th October 2015 as a part of its inclusive digitalization initiative over past few years. Actually it opens a new horizon in the arena of payment and settlement system in Bangladesh. RTGS is the fastest means of interbank fund transfer. RTGS is an electronic settlement system where transfer of funds takes place from one bank to another or one account to another on a real-time and gross basis. Real-time means transaction does not need any waiting period. RTGS systems are typically used for high-value transactions (1 Lac or above) that require and receive immediate clearing. Fund transfer through RTGS already has become popular in this short time. Jamuna Bank Limited is providing RTGS facility through it’s all Branches. Even our rural branches (like Manda, Kaunia, Pirgacha, Kazipur, Natherpetua, Chokoria etc) are also providing RTGS Facility. All account Holder of Jamuna Bank Limited can enjoy RTGS facility from any of our Branches.