1.
What is an
Automated Teller Machine (ATM)?
Ans.
1. 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.
Q. 2. What type of cards can be used at an
ATM?
Ans.
2. The ATM cards/debit cards, credit cards and prepaid cards (that permit cash
withdrawal)
can be used at ATMs for various
transactions.
Q. 3. What are the
services/facilities available
at ATMs?
Ans.
3. In addition to
cash dispensing ATMs may have many
services/facilities such
as:
Account information
Cash
Deposit
Regular
bills payment
Purchase of Re-load Vouchers for Mobiles
|
Mini/Short
Statement
|
|
|
Loan account enquiry
|
etc.
|
|
Fund transfer
|
|
|
Pin Change
|
|
|
|
|
However, the
services offered may vary from bank to bank, or
may depend on the capacity of
the machine to provide such
services.
Q.4. how
can one transact at an
ATM?
Ans.
4. For transacting at
an ATM, the customer
insert (swipe) their card in the ATM and enter their Personal
Identification Number (PIN).
Q.5. Can these cards be used
at any bank ATM in the country?
Ans.
5. Yes. The cards issued by
banks in India should be enabled
for use at any bank
ATM within India.
Q.6. what is
a Personal Identification
Number (PIN)?
Ans 6.
PIN is the numeric
password for use at the ATM. The PIN
is separately mailed / handed over to the customer by the bank
while issuing the
card. This PIN has to
be
reset to a new
PIN by the customer. Most banks force the customers to change the PIN
on the first use.
The PIN number
should
not be written the
card, card holder etc
as in such cases the card
can be misused if card is lost /
stolen.
Q. 7. What should
one do if he forgets PIN or the card
is sucked in by the
ATM?
Ans.
7. The customer may contact
the card issuing bank branch
and apply for retrieval/issuance
of a new card. This procedure is
applicable even if
the
card is sucked in at another bank's
ATM.
Q. 8. What should
be done if the card
is lost / stolen?
Ans.
8. The customer may contact
the card issuing bank immediately on noticing the loss
so as to enable the
bank to block such
cards.
Q. 9. Is there
any minimum and
maximum cash withdrawal limit per
day?
Ans.
9. Yes, banks set limit for
cash withdrawal by customers. The
cash withdrawal limit for use at
the ATM of the issuing bank is set by the bank
during the issuance of
the card. This limit is displayed at the respective ATM locations.
For cash withdrawals at
other bank ATMs, banks
have decided to
maintain a limit of
Rs 10,000/- per transaction. This information is displayed
at
the ATM location.
Q. 10. Do banks levy any service
charge for use of other bank ATMs?
Ans.10. Charges are payable for using other banks' ATM for cash withdrawal up to five transactions with a
maximum transaction limit of Rs. 10000/- from only saving account
Q. 11. What should be done in case during
the cash withdrawal process, cash
is not disbursed by the account
gets
debited
for the
amount?
Ans.11.
The
customer may lodge
a complaint with the card issuing bank. This
process is applicable even
if the transaction
was carried out at another banks ATM.
Q.12. How
many days maximum
would the bank require to re-credit
the account for such wrong debits?
Ans.12.
As per the RBI instructions, banks may re-credit such wrongly
debited amounts within
a maximum period of 12 working days.
Q.13. Are the customers eligible for compensation
for delays beyond 12 working days?
Ans.13. Yes.
Effective
from
July 17, 2009, banks shall have to pay customers Rs 100/-
per day for delays beyond 12 working days.
This shall have to be
credited to the
account of the customer without any claim being made by the customer.
Q.14. In
case the compensation
is not credited as mandated, what recourse
does
the customer have?
Ans.
14.
For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.
17. How an ATM debit card can be hot
listed/de activated?
Ans 17: The card
can be hot listed/deactived by calling at the Help Desk toll free No.
1800345337 and 18003450123 functioning
24X7 - uco.custcare@ucobank.co.in
.The same can also be done by sending details at Head Office, ATM cell – hoatm.calcutta@ucobank.co.in
/+91-33-23347154, +91-33-23213039 /Fax -+91-33-23595608 during working
days.
