Wednesday, 25 December 2019

BC / BF - 10 , Banking Fundamentals to Know for Students.

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ATM (Automated Teller Machine)

Through an Automated Teller Machine, bank customers can access their bank accounts for financial & non-financial transactions without having to go to their bank. Customers should observe the following Do's and Don'ts to keep their transactions safe and secure at ATMs:

Do’s:-

1. Conduct all ATM transactions in complete privacy.        
2. Register your mobile number with the bank that issued the card. The bank will send you SMS alerts when an ATM transaction is made. If you find that an unauthorized transaction has been made, immediately report it to the bank.
3. Beware of any extra devices attached to the ATM. These may be placed to capture customer's data. If you see such a device, immediately, inform the security guard or the bank entity maintaining the ATM.
4. Be alert, Beware of strangers who try to make conversation with you or offer to help you operate the ATM.

Don’ts –

1. Never lend your card to anyone.
2. Do not write your PIN on the card.
3. Never share the PIN with anyone or seek help from somebody by handing over the card and revealing the PIN.
4. Never let anyone see the PIN while you are entering it at the ATM.
5. Never use a PIN that can be easily guessed, such as your birthday or telephone number.
6. Never leave the card in the ATM. n Remember that bank officials will never ask for card details or your PIN over the telephone - email. So, do not respond to any phone calls or emails from people claiming that they represent your bank. These are called vishing/phishing emails.

Grievance Redressal

BANKING -
i) RELATED COMPLAINTS OR FRAUDS APPROACH YOUR BANK
ii)CONTACT THE BRANCH MANAGER
iii)IF REPLY FROM THE BANK NOT RECEIVED IN ONE MONTH
a)BANK REJECTS THE COMPLAINT
b)COMPLAINANT IS NOT SATISFIED WITH THE REPLY
iv)APPROACH THE BANKING OMBUDSMAN
v)APPLY ONLINE APPLY IN WRITING

Chief General Manager, Reserve Bank of India, Consumer Education & Protection Department, Central Office, 1st Floor, Amar The building, Perin Nariman Street, Mumbai 400001. The Banking Ombudsman does not charge any fee for filing and resolving customers' complaints.

SECURITIES MARKET –

i)RELATED COMPLAINTS OR FRAUD
ii)APPROACH THE CONCERNED COMPANY
a)SATISFIED
b)NOT SATISFIED
iii)APPROACH SEBI
iv)LODGE ONLINE COMPLAINT

CALL TOLL-FREE NUMBER
http://scores.gov.in/
1800 266 7575 / 1800 22 7575

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