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Uimhir 11 de 1965.
AN tACHT UM BAINC THAISCE IONTAOBHAIS, 1965
[An tiontú Oifigiúil.]
Léiriú.
1.—(1) San Acht seo ciallaíonn “na hAchtanna” na hAchta um Bainc Thaisce Iontaobhais, 1863 go 1958.
(2) Forléireofar an tAcht seo agus na hAchtanna mar aon ní amháin.
Íocaíochtaí áirithe a údarú.
2.—I gcás aon bhainc thaisce iontaobhais, d'ainneoin aon ní sna hAchtanna nó sna rialacha agus sna rialacháin chun an banc a bhainistí—
(a) féadfar, ar threoracha a fháil ó thaísceoir, íocaíocht as a thaiscí a dhéanamh le duine eile,
(b) féadfar íocaíocht den sórt sin a dhéanamh gan an leabhar taisce a thabhairt ar aird i gcás ina mbeidh sí á déanamh faoi bhuan-ordú ón taisceoir,
(c) nuair a éileofar íocaíocht as taiscí ar an leabhar taisce a thabhairt ar aird, ní bheidh sé d'oibleagáid tagairt don mhórleabhar mura mó an méid a éilítear ná deich bpunt nó cibé suim eile a fhorordóidh an tAire Airgeadais le rialacháin,
(d) ar bhás taisceora, féadfar íocaíocht i leith dleachtanna báis a dhéanamh leis na Coimisinéirí Ioncaim as a thaiscí agus féadfar probháid nó cruthúnas eile ar theideal a ionadaí phearsanta a ligean thar ceal i gcás aon íocaíochta den sórt sin.
Cumhacht chun gnó a ghabháil de láimh a spreagfadh an chnuaisciúin.
1863, c. 87.
3.—(1) Féadfaidh iontaobhaithe bainc thaisce iontaobhais, le toiliú an Aire Airgeadais, aon ghnó a ghabháil de láimh ar dóigh dó, i dtuairim an Aire sin, an chnuaisciúin a spreagadh agus a bheidh in acmhainn airgeadais an bhainc.
(2) Measfar gur cuid de chaiteachais riachtanacha an bhainc, de réir bhrí alt 2 den Trustee Savings Banks Act, 1863, aon chaiteachais faoina rachaidh banc go cuí ag seoladh aon ghnó den sórt sin.
Taiscí ag comhlachtaí áirithe daoine.
4.—(1) Féadfaidh iontaobhaithe nó cisteoirí aon chomhlachta daoine lena mbaineann an t-alt seo cistí an chomhlachta a infheistiú i gcistí bainc thaisce iontaobhais.
(2) Nuair a dhéanfaidh banc taisce iontaobhais íocaíocht le hiontaobhaí, cisteoir nó oifigeach eile do chomhlacht daoine lena mbaineann an t-alt seo a dhealraíonn a bheith údaraithe chun an íocaíocht sin a éileamh, beidh admháil uaidhsean ina urscaoileadh leordhóthanach agus ní bheidh an banc taisce iontaobhais agus a iontaobhaithe, a bhainisteoirí agus a oifigigh freagrach in aon mhí-úsáid ná in aon easnamh údaráis ar an duine a éileoidh nó a gheobhaidh an íocaíocht.
(3) Dearbhaítear leis seo nach bhfuil aon ní san alt seo le forléiriú mar ní a chuireann aon oibleagáid ar bhanc taisce iontaobhais maidir le haon chistí a ghlacadh.
(4) Baineann an t-alt seo—
(a) le clubanna buachaillí, clubanna spóirt agus clubanna Nollag, agus
(b) le comhlachtaí daoine dá samhail, atá neamhchorpraithe agus neamhthrádálach.
Banc tráchtála a cheapadh mar chisteoir.
5.—(1) Féadfaidh banc taisce iontaobhais banc tráchtála a cheapadh mar chisteoir dó, agus ní beidh feidhm ag alt 8 den Trustee Savings Banks Act, 1863, maidir le cisteoir a cheapfar de bhua an ailt seo.
(2) San alt seo ciallaíonn “banc tráchtála” aon bhanc acu seo a leanas:
(a) Banc na hÉireann,
(b) an Banc Ibeirneach, Teoranta,
(c) Banc na Mumhan agus Laighean, Teoranta,
(d) an Banc Náisiúnta, Teoranta,
(e) Banc Náisiúnta na Cathrach, Teoranta,
(f) Banc an Tuaiscirt, Teoranta,
(g) Banc Cúigí na hÉireann, Teoranta,
(h) Banc Ríoga na hÉireann, Teoranta,
(i) Banc Uladh, Teoranta.
Taifid, admhálacha agus doiciméid dá samhail a choinneáil.
6.—Coinneoidh banc taisce iontaobhais a chuid taifead, admhálacha agus doiciméad dá samhail go ceann tréimhse sé bliana ar a laghad.
Leasú maidir leis an urrús atá le tabhairt ag oifigeach bainc.
7.—(1) An t-urrús atá le tabhairt de bhun alt 8 den Trustee Savings Banks Act, 1863, arna leasú le haon achtachán ina dhiaidh sin, féadfaidh sé bheith san fhoirm a ordaítear leis an alt sin arna leasú amhlaidh nó i bhfoirm bhanna shingil ó chumann ráthaíochta ag ráthú na ndaoine uile atá ar fostú ag an mbanc nó ag aon bhrainse de agus a gceanglaítear orthu urrús den sórt sin a thabhairt.
(2) Nuair a thabharfar urrús san fhoirm sin is déanaí a luaitear, is iad na hiontaobhaithe a íocfaidh an phréimh bhliantúil ar an mbanna, agus beidh teideal ag na hiontaobhaithe chun go ngnóthóidh siad ó gach duine a chumhdaítear leis an mbanna cibé cion den phréimh is ionann agus an coibhneas idir tuarastal bliantúil an duine sin agus méid iomlán thuarastail bhliantúla na ndaoine a chumhdaítear leis an mbanna.
Leasú ar mhír 7 d'alt 6 den Trustee Savings Banks Act, 1863.
8.—Leasaítear leis seo mír 7 d'alt 6 den Trustee Savings Banks Act, 1863, trí “(being a depositor making a specific request for inspection of such book)” a chur isteach i ndiaidh “every depositor”.
Leasú ar alt 11 den Trustee Savings Bank Act, 1863.
9.—(1) Leasaítear leis seo alt 11 den Trustee Savings Banks Act, 1863, tríd an mír seo a leanas a chur isteach i ndiaidh mhír (1):
“1A. Subject to a limit of one hundred pounds, for any deficiency which may arise in the funds of such savings bank:”
(2) Aisghairtear leis seo na focail “(subject to the provision herein-after contained in respect to Savings Banks in Ireland)” in alt 11 den Trustee Savings Banks Act, 1863, agus alt 12 den Acht sin.
Leasú ar alt 41 den Trustee Savings Banks Act, 1863, agus alt 3 (2) den Savings Banks Act, 1887.
1883, c. 47.
1887, c. 40.
10.—Déantar leis seo tagairtí do chúig chéad punt a chur in ionad na dtagairtí do chéad punt—
(a) in alt 41 den Trustee Savings Banks Act, 1863, arna leasú le halt 3 den Provident Nominations and Small Intestacies Act, 1883, agus
(b) i bhfo-alt (2) d'alt 3 den Savings Banks Act, 1887.
Leasú ar alt 5 (1) den Savings Banks Act, 1904,
1904, c. 8.
11.—Leasaítear leis seo fo-alt (1) d'alt 5 den Savings Banks Act, 1904, trí “Minister for Finance” a chur in ionad “National Debt Commissioners, on the recommendation of the Inspection Committee.”
Gearrtheideal agus comhlua.
12.—(1) Féadfar an tAcht um Bainc Thaisce Iontaobhais, 1965, a ghairm den Acht seo.
(2) Féadfar na hAchtanna um Bainc Thaisce Iontaobhais, 1863 go 1965, a ghairm de na hAchtanna agus den Acht seo le chéile.
Number 11 of 1965.
TRUSTEE SAVINGS BANKS ACT, 1965
ARRANGEMENT OF SECTIONS
Section | |
Amendment of paragraph 7 of section 6 of Trustee Savings Banks Act, 1863. | |
Acts Referred to | |
Trustee Savings Banks Act, 1863 | 1863, c. 87 |
Provident Nominations and Small Intestacies Act, 1883 | 1883, c. 47 |
Savings Banks Act, 1887 | 1887, c. 40 |
Savings Banks Act, 1904 | 1904, c. 8 |
Number 11 of 1965.
TRUSTEE SAVINGS BANKS ACT, 1965
Interpretation.
1.—(1) In this Act “the Acts” means the Trustee Savings Banks Acts, 1863 to 1958.
(2) This Act shall be construed as one with the Acts.
Authorisation of certain payments.
2.—In the case of any trustee savings bank, notwithstanding anything contained in the Acts or the rules and regulations for the management of the bank—
(a) a payment may, on the instructions of a depositor, be made out of his deposits to another person,
(b) such a payment may be made without production of the deposit book where it is being made under a standing order from the depositor,
(c) where a demand for payment out of deposits is made on production of the deposit book, reference to the ledger shall not be obligatory if the amount demanded does not exceed ten pounds or such other amount as may be prescribed by the Minister for Finance by regulations,
(d) on the death of a depositor, payment may be made to the Revenue Commissioners out of his deposits in respect of death duties, and probate or other proof of title of his personal representative may be dispensed with in relation to any such payment.
Power to undertake business calculated to encourage thrift.
3.—(1) The trustees of a trustee savings bank may, with the consent of the Minister for Finance, undertake any business which is, in the opinion of that Minister, calculated to encourage thrift and within the financial capacity of the bank.
(2) Any expenses properly incurred by a bank in carrying on any such business shall be deemed part of the necessary expenses of the bank within the meaning of section 2 of the Trustee Savings Banks Act, 1863.
Deposits by certain bodies of persons.
4.—(1) The trustees or treasurers of any body of persons to which this section applies may invest the funds of the body in the funds of a trustee savings bank.
(2) Where a payment is made by a trustee savings bank to a trustee, treasurer or other officer of a body of persons to which this section applies who appears to be authorised to require that payment, his receipt shall be a sufficient discharge and the trustee savings bank and its trustees, managers and officers shall not be responsible for any misapplication or for any want of authority of the person requiring or receiving the payment.
(3) It is hereby declared that nothing in this section is to be construed as imposing any obligation on a trustee savings bank as respects its receiving any funds.
(4) This section applies to—
(a) boys clubs, sports clubs and Christmas clubs, and
(b) similar bodies of persons,
being unincorporated and non-trading.
Appointment of commercial bank as treasurer.
5.—(1) A trustee savings bank may appoint a commercial bank as its treasurer, and section 8 of the Trustee Savings Banks Act, 1863, shall not apply in relation to a treasurer appointed by virtue of this section.
(2) In this section “commercial bank” means any of the following banks:
(a) the Bank of Ireland,
(b) the Hibernian Bank, Limited,
(c) the Munster & Leinster Bank, Limited,
(d) the National Bank, Limited,
(e) the National City Bank, Limited,
(f) the Northern Bank, Limited,
(g) the Provincial Bank of Ireland, Limited,
(h) the Royal Bank of Ireland, Limited,
(i) the Ulster Bank, Limited.
Retention of records, receipts and similar documents.
6.—A trustee savings bank shall retain its records, receipts and similar documents for a period of at least six years.
Amendment as to security to be given by officer of bank.
7.—(1) The security to be given in pursuance of section 8 of the Trustee Savings Banks Act, 1863, as amended by any subsequent enactment, may be either in the form required by that section as so amended or in the form of a single bond of a guarantee society guaranteeing all the persons employed by the bank or at any branch thereof who are required to give such security.
(2) When security is given in the last-mentioned form, the annual premium on the bond shall be paid by the trustees, and the trustees shall be entitled to recover from each person covered by the bond such proportion of the premium as that person's annual salary bears to the total amount of the annual salaries of the persons covered by the bond.
Amendment of paragraph 7 of section 6 of Trustee Savings Banks Act, 1863.
8.—Paragraph 7 of section 6 of the Trustee Savings Banks Act, 1863, is hereby amended by the insertion of “(being a depositor making a specific request for inspection of such book)” after “every depositor”.
Amendment of section 11 of Trustee Savings Banks Act, 1863.
9.—(1) Section 11 of the Trustee Savings Banks Act, 1863, is hereby amended by the insertion of the following paragraph after paragraph 1:
“1A. Subject to a limit of one hundred pounds, for any deficiency which may arise in the funds of such savings bank:”
(2) The words “(subject to the provision herein-after contained in respect to Savings Banks in Ireland)” in section 11 of the Trustee Savings Banks Act, 1863, and section 12 of that Act are hereby repealed.
Amendment of section 41 of Trustee Savings Banks Act, 1863, and section 3 (2) of Savings Banks Act, 1887.
10.—References to five hundred pounds are hereby substituted for the references to one hundred pounds in—
(a) section 41 of the Trustee Savings Banks Act, 1863, as amended by section 3 of the Provident Nominations and Small Intestacies Act, 1883, and
(b) subsection (2) of section 3 of the Savings Banks Act, 1887.
Amendment of section 5 (1) of Savings Banks Act, 1904.
11.—Subsection (1) of section 5 of the Savings Banks Act, 1904, is hereby amended by the substitution of “Minister for Finance” for “National Debt Commissioners, on the recommendation of the Inspection Committee”.
Short title and collective citation.
12.—(1) This Act may be cited as the Trustee Savings Banks Act, 1965.
(2) The Acts and this Act may be cited together as the Trustee Savings Banks Acts, 1863 to 1965.