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Escrow account – is an arrangement made under contractual provisions between transacting parties, whereby an independent trusted third party (usually a bank) receives and disburses money or documents for the transacting parties, with the timing of such disbursement by the third party dependent on the fulfilment of contractually-agreed conditions by the transacting parties. It is commonly used to support sale/purchase transactions, such as the purchase of a real estate, reducing the risk between the parties to the minimum, and providing a mechanism which ensures trust and confidence.

The buyer, the seller and the bank sign an agreement, whereby they agree on necessary documents, terms and other conditions as required to complete the deal, along with any critical milestones along the way. An escrow agent – the bank, acts as an impartial holder of the money or documents, and in this way keeps the risk of such things as fraud to a minimum for both parties.

Although escrow accounts are generally used during a real estate transaction, in practice, it can be used in any transaction where there is a desire to reduce the risks to all parties, for example:

Purchase of a second hand car, where the money may be released at the end of a warranty period.
Deposits for a property rental, where the money is released after the tenant moves out according to the condition of the property.
Provision of construction services, where all or part of the money may be released when the building work is complete to a defined standard, or when defined stages (milestones) of the work are complete.
How does an escrow account work?
The bank creates an escrow account, and the buyer/client transfers the agreed purchase price or payment amount;
Once the seller/contractor has the required documents or has completed relevent requirements – he submits documents or evidence to the bank;
The bank informs the buyer/client, that the seller has submitted the documents/evidence;
If the documents/evidence meet the requirements as provided for by the agreement, and the buyer/client accepts them – and the bank finalizes the transaction: transfering the money to the seller/contractor and handomg out the original documents to the purchaser/client. The transaction is then closed.

A personal banker is a bank employee, usually working in retail banking, who helps customers manage their funds and offers different solutions for their financial needs, such as opening savings or other accounts, obtaining car or mortgage loans, investing in money markets, procuring certificates of deposits or other commercial banking products and planning for retirement or children’s university costs.

Personal bankers usually work with private customers to help them with their banking-related questions or issues. A private/investment banker’s main objectives, on the other hand, are also connected to sales performance, and they work mainly with either businesses or wealthy private individuals. In addition, while private and investment bankers get to know their clients very well, personal bankers usually do not work with a specific client list.

Advantages of a personal banker
A personal manager can help you with almost any question regarding bank services and assist you if anything is still unclear. Personal bankers can also give you tips on what services might be most suitable for you. In contrast, when applying for a new service through your online banking, you are on your own. There are also still plenty of people who do not feel comfortable using the internet and would prefer personal communication.

Disadvantages of a personal banker
When considering the disadvantages of personal banking, it is worth mentioning two main reasons why online banking may be preferable to visiting a personal banker at a branch. Firstly, just like in any other industry, bank employees who work in the front office and meet their existing or potential clients on a daily basis are salespeople. This means that your personal manager has sales quotas and most of his or her salary is based on commission. Personal bankers are mostly evaluated on their sales performance, and this is a major factor when branch managers are considering potential promotions or job cuts. Ultimately, all personal managers will try to sell you as many bank services as possible, and, if they are good salespeople, they will succeed. If you want to avoid aggressive sales strategies, you might even be well advised to keep away from branches at the end of the month and especially at the end of the quarter.

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