a) Check your statement of account or passbook regularly.
b) Bring pass book while withdrawing cash from savings bank account through withdrawal slip. Get pass book updated from time to time.
c) Ensure safe custody of cheque book and pass book. Pass book, Cheque book, ATM/Debit Card not to be kept together.
d) Issue crossed/account payee cheques as far as possible.
e) Ensure cheque is crossed and at the back of the cheque the account number and mobile number is mentioned before dropping in the cheque drop box.
f) While tendering the cheques at the branch for collection, the acknowledgement can be obtained from the officials.
g) Check the details of the cheque namely, date, amount in words and figures, crossing, etc. before issuing it. As far as possible, issue cheques after rounding off the amount to nearest rupee.
(i) To prevent from any loss, cheque be issued without cutting/overwriting. No changes/corrections should be carried out on the cheques. For any change in the payee’s name, courtesy amount (amount in figures) or legal amount (amount in words) etc. fresh cheque forms should be used by customers. This would help banks to identify and control fraudulent alterations. Cutting in date, wherever required should be for re-validation of ‘Stale Cheque’. Blanks in spaces meant for writing ‘Payee’s’ Name/Amount in word and figure should be securely plugged by putting cross/drawing a line.
(ii) Cheque issued with cuttings are liable to be rejected if presented in clearing functioning under ‘Cheque Truncation System’ (CTS), even though the cutting/s is/are authenticated.
h) Send cheques and other financial instruments by Registered post or by courier. Do not sign blank cheques. Also do not record your specimen signature either on pass book or on cheque book.
i) Not to issue cheque without adequate balance; maintain minimum balance as specified by the bank.
j) Use nomination facility.
k) Note down account numbers, details of FDR, locker number, etc. separately.
l) Inform change of address, telephone number etc. to the branch.
m) Inform loss of demand draft, fixed deposit receipt, cheque leave(s)/book, key of locker, etc. immediately to the Branch.
n) Pay interest, installments, locker rent and other dues on time.
o) Not to introduce any person who is not personally known to you for the purpose of opening account
p) Ensure safe custody of the Delivery Book in the Demat Accounts and not to keep any blank signed slip in the Book.
q) Complaint relating to deficiency of customer service should be reported within a reasonable time provided this is within the prescribed period of preservation of relevant record.
r) Operate account regularly to maintain the status as operative/Active. Inform Bank if you intend not to operate the account for some time.
s) Avail standing instructions facility for repeat transactions.
t) Ensure safe custody of credit card, debit/ATM card. Wherever signature on the card is mandatory, it should not be left unsigned.
u) Ensure confidentiality of password for internet banking and PIN for Credit/ Debit Card.
v) In case of loss of ATM/Debit card, notify your bank (bank’s call centre) to take immediate steps to prevent the same from being misused. Customer shall be liable for any misuses until the time the bank has been notified.
w) Never leave credit card unattended. Do not bend credit card.
x) Do not give account details, password or any other security information to anyone. Memorize personal identification number (PIN) and change it on regular basis.
y) Not to respond to any unauthorized email/ email asking for password/ PIN.
z) Use SMS alert facility and notify any change in mobile number.
aa) Avoid accessing bank’s internet banking site through a link from another site or an email. Verify the domain name displayed to avoid spoof website.
bb) Not to use cyber cafés/shared PCs to access any internet banking site.
cc) Log off the PCs when not in use.
dd) As a matter of good practice, personal firewall software and antivirus software should be installed on desktop and latest available updates should be regularly downloaded. In case of doubt reconfirm by double checking the Padlock Symbol/Icon on webpage to ensure that the site is running in secure mode before any confidential/sensitive information is fed.
ee) Change internet banking password regularly. Keep password a combination of alphabet, special character and number.
ff) Always logout from Internet Banking before closing the window. Use virtual key board for entering internet banking login ID and Password especially when not using own PC. There might be a risk of capturing key strokes.
gg) Do not store ID/PIN in the internet explorer browser.
hh) Cooperate with the Bank/ police / any other investigating agency, for any investigation on any transaction on your account
ii) Bring any deficiency in services to the notice of the bank.
jj) Furnish the nominations for deposit and pension account separately.
kk) Correct PAN number/ form 15G or 15H is to be furnished at the commencement of financial year enabling to deduct TDS correctly.
ll) Account holder is to ensure that account is not used for money laundering or for any fraudulent transaction.
Customer obligation - Proper utilization of Bank Loan and Timely Repayment.