Automated Teller Machine is a computerized machine that provides the customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.
All debit/ATM cards issued by Bank can be used at ATMs of any Bank for various transactions related to bank accounts.
In addition to cash dispensing ATMs have following services/facilities such as:
- Balance Inquiry
- PIN Change
- Adhaar seeding
- OD facility for PMJDY accounts holders.
For transacting at an ATM, the customer insert their card in the ATM and enter their Personal Identification Number (PIN).
Yes, these cards can be used at any bank ATM in the country.
PIN is the numeric password for use at the ATM. The PIN is separately handed over to the cardholder by the bank while issuing the card. Cardholder can use this PIN for transacting at ATM, however cardholder it is advised to change this PIN to a new PIN. The PIN number should not be written on the card, anywhere, by the card holder, as in such cases the card can be misused if card is lost/stolen.
The customer may contact the card issuing branch for reissuance of a new PIN /Card.
The customer may contact the issuing branch / help desk numbers 18001032278, 044-47415691/92/93/94/95 immediately on noticing the loss so as to get the card blocked.
Yes, maximum limit Rs.25000/- per day for 3 withdrawals per day at ATM machine. However, maximum limit for POS + E-com (online) transaction is Rs.1,00,000/- per day.
The customer may lodge a complaint with the card issuing bank. This process is applicable even if the transaction was carried out at any ATM.
As per the RBI guidelines, banks may re-credit such wrongly debited amounts within a maximum period of 07 working days from the date of complaint received.
Yes. Bank will pay customers Rs 100/- per day for delays beyond 07 working days. This shall be credited to the account of the customer without any claim being made by the customer.
For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.