ATM (RuPay)

With a Rupay card, transactions can be made at any ATM across India.

Soon, facilities such as online shopping, electricity bill payments, and railway reservations will also be introduced using our bank's ATM card.

Kindly contact the branch officer of your bank today itself to obtain an ATM card.

Guidelines & Safety Tips for your RuPay Debit Card

Before you begin using your card

Sign on the signature panel at the back of the card.
Memorize your PIN and destroy the PIN mailer.
Use your new card immediately at any ATM in the NFS network and change the system-generated PIN to a new 4-digit number of your choice. It is recommended that your first transaction be made at an ATM of The Banaskantha Mercantile Co-operative Bank Ltd.

Pin Security

Keep your PIN secret.
Do not write the PIN on your card.
Do not share your PIN with anybody (including family members, your banker or any branch employee).
Change your PIN regularly, preferably every quarter.
Never let anyone see you enter your PIN. The safest measure is to ensure that you are alone in the ATM while you are conducting your transactions.
Avoid taking help from anybody under any circumstance at an ATM.

Card Security

Do not give your card to anyone.
Never leave your card unattended. Keep your card in a place where you will immediately know if it is missing.
Treat your card like you would treat your cash.
In case of loss or theft of your card, visit the nearest branch immediately and request for the blocking of your card.
Remember that The Banaskantha Mercantile Co-operative Bank Ltd. will never ask for any financial/personal / debit card-related information via email. Hence, never respond to emails seeking such information. They may be fraudulent.

Card Safety

Do not bend the card.
Do not remove or scratch the magnetic stripe behind the card.
If you have two cards, take care that the magnetic stripes of the two cards do not rub against each other.
Keep your card away from sunlight.
Keep your card away from the TV and magnetic products.

Using your Card at an ATM

You can use your card at your own bank’s ATM or any bank’s ATM which is in the NFS network. Look for RuPay logo displayed at the ATM. This logo indicates that the ATM is in the NFS network. You can use your card at over 1.4 lac such ATMs across India.

Step 1: Insert your card into the slot provided. If the ATM has a dip reader, insert the card into the slot and pull it back. If the ATM has a motorized card reader, your card will be retained in the ATM till the transaction is completed.
Step 2: The ATM will prompt you to select your preferred language.
Step 3: Next, the ATM will prompt you to enter your PIN.
Step 4: After confirmation of your PIN you will be provided with a list of transaction options, viz. : Fast Cash, Cash Withdrawal, Balance Enquiry, Mini Statement, Change PIN. Select your desired transaction and follow the instructions.
Step 5: In case of cash withdrawals, your account with The Banaskantha Mercantile Cooperative Bank Ltd. will be debited online with the amount of withdrawal.
Step 6: After you finish the transaction at an ATM having a motorized card reader, collect your card as soon as it is ejected (within 30 seconds), or else it will be retained by the ATM. If your card gets retained, please contact the ATM-linked branch or the card-issuing branch.

Note

You can withdraw cash of a minimum of Rs. 100/-to the maximum limit prescribed for the type of your account. Please go through the Tariff Sheet for the charges applicable.
Enter your PIN correctly at the ATM. If you enter a wrong PIN three times repeatedly, your card will get blocked for the day. In such a situation, contact the bank immediately.
Bank will not be held responsible for any unauthorized transactions on the card.
Important: As per RBI mandate, any cash left behind in the ATM tray will not be taken back by the ATM. Uncollected cash can be taken by the next person using the ATM. Bank will not be liable for any financial loss.

Using your Card Merchant Establishment

Step 1: Present your card at the Merchant Establishment. Ensure that it displays the RuPay logo.
Step 2: The merchant will swipe it through the POS terminal and enter the amount of your purchase.
Step 3: You will be presented with the PIN pad. Enter the same PIN which you use at an ATM to withdraw money.
Step 4: The POS terminal will process your transaction by debiting your account with The Banaskantha Mercantile Co-operative Bank Ltd. with the purchase amount (subject to availability of funds in your account) and print a charge slip.
Step 5: Verify the amount on the charge slip and sign on the merchant copy.
Step 6: The merchant will return the customer copy of the charge slip and your card.

Know your RuPay Debit Card

Personal Identification Number (PIN): Confidential 4-digit number for using your card at ATMs and POS terminals.

FRONT OF THE CARD

Debit Card Number

This is your 16-digit Card Number. Please note that you are required to quote this number for all future correspondences with your bank.

Your Name

Only you are authorized to use your card. Please check that your name has been correctly printed on your Debit Card. If not, then please contact your branch at the earliest. (If your card is an Insta Card, there will be no name printed on it.)

Expiry Date

Your RuPay Debit Card is valid from the day you receive it, up to the last day of the month of the year mentioned on the card.

RuPay Logo

Your RuPay Debit Card is acceptable in India at ATMs and Merchant Establishments displaying the RuPay logo.

BACK OF THE CARD

Magnetic Stripe

Important information pertaining to your RuPay Debit Card is encoded here. Please protect the magnetic stripe from getting damaged.

Signature Panel

Please sign on the signature panel immediately on receipt of your card with a non-erasable ball-point pen (preferably black ink).

CVD2

This is a 3-digit number present at the end of the signature panel on the back of the card. An added security feature for CNP (card-not-present) transactions. Cardholder needs to communicate this number for all e-commerce transactions.

Terms & Conditions

The bank reserves the right to approve or decline any transaction. The cardholder cannot later deny any instruction given through this card.
The bank reserves the right to start new services for the card or to stop any existing service as and when required.
Bank reserves the right to change the Terms & Conditions of ATM and POS services anytime.

Tariff

Description	Details
Annual Fee (per annum)	Rs. 100
Other Bank ATMs	Free for the first five transactions (financial and non-financial combined)
Additional Card (per annum)	Rs. 100
RuPay Debit Card (charges applicable after free transactions)	Financial (cash withdrawal): Rs. 20 (As per RBI circular, this amount cannot exceed Rs. 20, inclusive of taxes) Non-financial (balance inquiry, mini statement, PIN change): Rs. 12 (As per RBI circular, this amount cannot exceed Rs. 12, inclusive of taxes)
RuPay Debit Card Limit	Daily cash withdrawal limit (per day): Rs. 30,000
Card Replacement Fee	Rs. 100
PIN Replacement Fee	Rs. 50

Note: GST will be charged additionally on the above tariff.

Mercantile Bank ATM Services

Mercantile Bank is proud to offer ATM services. Any individual with a savings bank account (single or joint holders, with instructions for withdrawal with one signature) is eligible for an ATM card.

For current accounts with sole proprietorship or partnership accounts, where withdrawal is permitted with a single signature, the ATM card facility is also available. Additionally, the ATM card can be used in overdraft accounts against fixed deposits.

Withdrawal Limit:

Transaction	Limit
Maximum per transaction	Rs. 30,000
Maximum per day	Rs. 30,000