Safeguards

We suggest you to take following safe guards while dealing with us for a perennial & profitable banking relationship to help prevent fraud and protect your accounts from misuse.

1. Do not keep your cheque book and cards together and ensure proper safe custody of your cheque books, pass book and cards.
   
   
2. Do not keep the blank cheque leaves signed. Preferably use reverse carbon while writing a cheque. Issue crossed / account payee cheques as far as possible. Check the details of the cheque, namely, date, amount in words and figures, crossing etc., before issuing it. Draw a line through unused space on the cheque so that unauthorized person may not add extra numbers, names or figures etc.
   
   
3. Do not allow anyone else to use your card, PIN, password or other security information.
   
   
4. If you opt to change your PIN you should choose your new PIN carefully.
   
   
5. Always learn your PIN, password and other security information, and destroy the notice as soon as you receive it.
   
   
6. Never write down, record or save on PC your PIN, password or other security information.
   
   
7. Always take reasonable steps to keep your card safe in your personal custody and your PIN, password and other security information secret at all times.
   
   
8. Keep your card receipts safe and dispose them off carefully.
   
   
9. Never give your account details, password or other security information to anyone unless you know who they are and why they need them and thereafter keep the matter followed up so that the same is not misused.
   
   
10. Not to issue cheque without adequate balance/ maintaining minimum balance as specified by the Bank.
    
    
11. Send cheques and other financial instruments by Registered Post or by reputed courier.
    
    
12. Bring pass book while withdrawing cash from savings bank account through withdrawal slip. Get pass book updated from time to time.
    
    
13. Use nomination facility.
    
    
14. Note down account numbers, details of FDR, locker numbers, etc., separately.
    
    
15. Inform change of address, telephone number, etc., to the Branch.
    
    
16. Inform loss of demand draft, fixed deposit receipt, cheque leaves book, key of Locker, card etc., immediately to the Branch.
    
    
17. Avail standing instructions facility to repeat transactions.
    
    
18. Provide feedback on our services.
    
    
19. Pay interest, installments, locker rent and other dues on time.
    
    
20. Avail services such as ATM, ECS, EFT, RTGS etc., if offered by the branch.
    
    
21. Bring any deficiency in services to the notice of the branch.
    
    
22. Do not record your specimen signature either on pass book or on cheque book.
    
    
23. Not to introduce any person under any circumstances who is not personally known to you for the purpose of opening account.
    
    
24. Give a notice before canceling the payment of a cheque
    
    
25. If you act fraudulently or show negligence, you will be responsible for all losses on your account.

For Precautions while using internet banking facilities,

1. Visit our internet banking site directly.
   
   
2. Avoid accessing the site through a link from another site and verify the domain name displayed to avoid spoof websites.
   
   
3. Ignore any e-mail asking for your password or PIN.
   
   
4. We suggest you not to use cyber cafes to access our internet banking site.
   
   
5. We advise you to update your PC with latest anti virus software regularly.
   
   
6. A suitable firewall installed in a computer to protect your PC and its contents from outsiders on the internet would be an added security measure.
   
   

> Our Commitment and Responsibilities
> Common Practices followed by our Branches
> Safeguards
> Common areas of Customer – Banker relationship
> Time - Norms for various banking transactions
> Extended Banking Hours
> Customer Communication
> Banking Ombudsman Scheme, 2006
> Redressal of Complaints
> Other customer centric initiatives