• 1. The card is the property of the bank and shall be returned unconditionally and immediately to the bank upon request by the bank.
• 2. The bank reserves the right to cancel the card and stop its operations unilaterally without assigning any reason.
• 3. The card is non-transferable.

• 1. The cardholder shall indemnify / disclose to any person of the personal identification number (PIN) at any point of time and under any circumstances whether, voluntarily or otherwise. The cardholder shall not keep any written records of his pin in any place or manner which may enable a third party to use the Debit cum ATM Card.
• 2. Changing of pin, revision of card limit, change of host branch or replacement of card, etc. shall not be construed as commencement of a new contract.
• 3. In case of forget ATM PIN, please visit the branch from where he/she has obtained the card (Charges will be applicable).

• 1. The card holder should immediately notify the branch from where he / she has obtained the card if the card is lost / stolen.
• 2. Any financial loss arising out of unauthorized use of the card till such time the bank records the notice of loss of card will be to the card holder’s account.
• 3. The cardholders shall intimate, the loss of the Debit cum ATM Card to the branch where he/she is maintain the account by way of a written communication during working hours. On receipt of the lost card information from the customer, head office will hot list the card.

However, bank shall not liable for the transactions happened using the lost card, prior to the hot listing of the card.

• 1. The bank has the express authority to debit the designated account of the cardholder for all withdrawals / transfers effected using the card as evidenced by bank’s records, which will be conclusive and binding on the card holder.
• 2. The card holder expressly authorizes the bank to debit the designated account with service charges from time to time.

• 1. The transaction record generated by the ATM will be conclusive and binding unless found to be otherwise on verification and corrected by the bank. The verified and corrected amount will be binding on the card holder Deposits (cash and/or Cheque etc.) Will be verified by two of officials of the bank and their account will be deemed to be correct. Errors will be notified to the card holder by mail.
• 2. Outstanding Cheque, dividend draft, dividend warrants etc. will normally be accepted on collection basis/immediate credit subject to bank’s existing term and conditions governing such business.

The card can be used at the ATM location with the help of the confidential PIN. All transactions conducted with use of the PIN will be the cardholder is responsibility. The cardholder agrees that he/she will be allowed to withdraw only a certain amount of cash per transaction per day as determined by bank irrespective of the credit balance in the account(s). This amount will be announced from time to time. Any attempt to violate this limit may lead to withdrawing of his card facility. When the cardholder completes a transaction through an ATM he can opt to receive a printed transaction record i.e. the transaction slip/ATM receipt. The amount of available fund is shown on this ATM receipt when the cardholder uses his card. The cardholder is advised to retain the record of transaction generated by the ATM with him/her. Cardholder agrees not to attempt to withdraw using the cards unless sufficient funds are available in the account. The onus of ensuring adequate account balances is entirely on the cardholder.

Bank Debit Cards affiliated to NFS (NPCI) are accepted at all Merchant Establishments displaying RuPay Logo. The Merchant should have an electronic (Point- of- sale) swipe terminal. Usage is permitted up to Rs.50,000 per day at Merchant locations say, Restaurants, Hospitals, Departmental Stores, Textile outlets; Jewelries etc. present your debit card for payment of the purchase amount. The merchant will swipe the card in the point-of-sale machine for authorization. You will be presented the PIN pad, Key in your PIN at the merchant establishment. After a successful authorization, a charge slip is generated from the POS machine. Ensure for correctness of the amount and sign the charge slip exactly as appearing on the reverse of your card. Collect back your card and your copy of the charge slip. Please retain the charge slip copy till you verify the amount as appearing in your bank statement of account. There are certain exceptional cases where you may be billed extra service charges while making use of your Card with MEs such as Petrol Bunks, Railways, etc. Only if you agree to bear extra charges, you should proceed with the transaction. Such service charges together with the charge slip amount will be debited to your operative account. Please note that since signature verification is essential for debit card transactions you need to be physically present along with your card at the time of purchase. Debit card can be used on the Internet (e-commerce transaction) provided the card is registered with Verified by NPCI RuPay PaySecure.

The card holder wishing to close the designated account or surrender the ATM facility will have to fill Form for stop ATM facility.

Cards are valid for 5 years from date of issue. Please note that if the card is used after expiry, it will be either be retained or rejected by the atm.