The development of today's world characterized by globalization in all
sectors, especially banking and financial services industry that brought rapidly to
the development impact of the Indonesian economy, especially the high level of
mobility of people, money and goods traffic in trade flows and the rapid changes
in business environment. Competition became more strict after the banks
customers fight each other in the same market. There are also foreign banks that
want to compete in terms of gaining customers.Therefore, the bank manager tried
to give the best service to its customers. Various ways done by the managers of
banks in serving and providing convenience to its customers. Protective measures
granted by the Banking Act of public funds is a confirmation that the money
deposited by depositors since the bank has become the property deposited and
during storage banks, but banks do not have absolute freedom to use the money.
Banks can only use the money for that purpose and in a way that can guarantee
the certainty that the bank will be able to pay back public funds saved him when
billed by the customers saving, in this case is that customers who deposit funds in
a bank.