Banking Do's And Dont's:

Simple steps, precautions and safeguards can help you to protect your accounts and save you from losing your hard earned money. A small list of steps, precautions and safeguards is provided below so to follow:-

General:-

• Inform us when you change your
  • Name
  • Address
  • Contact Number
  • Email address
• Check your statement/passbook regularly and immediately inform us of any discrepancy. Similarly, immediately inform your Home Branch of the bank.
• In the event your cheque leave(s)/ book, passbook, is lost or stolen, immediately inform your Home Branch of the bank, to enable us to take suitable measures to prevent misuse of the same.
• Never respond to emails that request personal information. Kindly note that the Bank/RBI/Income Tax Department will never ask for details about your Account / PINs or Passwords.
• Please operate your account at frequent intervals so that it is not misused. Further, it will also ensure that your account does not turn inactive/dormant.
• After submitting any written communication to the bank, always ensure to collect acknowledgement from the Bank officials. This will help you for future reference.
• Change and memorize your PIN, password and other security information received by you.
• Do not disclose your card, PIN, password or other security information to anyone else.
• Change your PIN/Password at regular intervals.
• Do not introduce any person to the Bank who is not personally known to you for the purpose of opening account.
• Do not keep your passbook, cheque book, ATM/Debit card together.
• Always maintain the minimum balance as specified by the bank.
• Note down account numbers, details of FDR, locker number, etc. separately.
• Pay Interest, Instalments, Locker Rent and other dues on time.
• Avail Standing Instruction facility for repeat transactions.
• Do not record your specimen signature either on passbook or on cheque book.

Communication:-

• Give a written instruction in case you wish to stop payment of a cheque or cancel standing instruction or a direct debit. We recommend that you inform the originator of the direct debit also, viz, utility companies, etc.
• Ensure to register your Mobile number with us and get SMS Alerts to keep track of any transactions in your account.
• Register your email id with us.
• Please write legibly and avoid over writing.

Cheque Book And Cheque Leaves:

• Ensure that the cheque book is kept in a safe place.
• Ensure that the name of the payee on cheque is clearly mentioned.
• Draw a line through unused space on the cheque to avoid any unauthorised additions.
• Make sure that the date is written correctly and that the cheque is signed.
• As far as possible, issue crossed / account payee cheques.
• Avoid overwriting on cheques.
• Do not keep signed blank cheque leaves.
• Before dropping in the cheque drop box, please ensure that at the back of the cheque the account number and mobile number are mentioned.
• While tendering any clearing cheque at the branch for collection, obtain acknowledgement from the bank officials.

Debit Card And PIN:

• Ensure to affix your signature on the reverse of the card to avoid misuse.
• Never keep your Debit Card and PIN together.
• Never share your ATM PIN, debit card details with anyone.
• Never leave your Debit/ATM card unattended. Do not bend the Debit Card.
• Before leaving the ATM, please ensure to collect the cash, your ATM card and other belongings.
• Avoid using ATMs located in desolate areas and places, which are dimly lit.
• Please register your mobile number to receive transaction alerts on using your debit card.
• Keep your transaction slips/receipts safe and dispose them off carefully.
• Bank will never ask for any details like debit card number, ATM PIN, CVV number printed on the reverse of the card etc. Therefore, never respond / reply to emails asking for such confidential information, even if it seems as having originated from the Bank. This would help prevent I-Net phishing frauds and save your hard earned money.
• In case of ATM/Debit card is lost or stolen, or you feel your password has been compromised, please notify to us so to enable us to take suitable measures to prevent misuse of the same.

Internet Banking:

• Never respond/avoid opening or replying to spam emails asking for confidential credentials, even if purportedly sent by the Bank.
• Do not reveal your Passwords / Pins to anyone over the phone, even if the caller claims that he / she is calling on behalf of the Bank.
• Do not reveal to anyone (including Bank personnel), the Unique Registration Number (URN), One Time Password (OTP) and On-line Shopping Password (OSP) forwarded by the Bank to your mobile phone.
• In case of suspicion, report the matter immediately to your Home Branch.
• Never let anyone know your PINs or passwords, do not write them down.
• Do not use the same password for all your online accounts.
• Using special characters like # $ @ etc. in your password is highly recommended.
• Use the Virtual Keypad for enhanced security while keying in your Net Banking passwords.
• Always type the address of the bank website in the address bar of your browser or access it from your stored list of favorites. Do not access the bank website through a link in an email or through another website.
• The URL address on the address bar of your internet browser begins with “https”; where the letter ‘s’ at the end of “https” means ‘secured’.
• Look for the padlock symbol on the bottom bar of the browser to ensure that the site is running in secure mode.
• Disable the “Auto Complete” function on your browser to prevent your browser from remembering Passwords.
• Always logout to terminate your session, instead of closing the browser directly.
• Avoid using cyber cafes/shared PCs to access our Internet Banking site.
• Update your PC with the latest antivirus and spyware software regularly.

Grievances:

• Complaints/ grievances should be reported to the Home Branch as soon as possible. This will help us to address your complaint/ grievance expeditiously.
• You can send your complaint/grievance through E-mail of your Home Branch. (contact details are available under Contact Us Home Page Bank’s Web site.