ATM (RuPay)
Rupay કાર્ડથી  આખા ભારતમાં ગમે તે ATM માંથી Transaction કરી શકાશે. 
 
ટૂંક સમયમાં આપણી બેંકના ATM કાર્ડથી ઓનલાઈન સોપિંગ, લાઈટ બીલ, રેલ્વે રીઝરવેશન જેવી સગવડ પણ શરુ કરવામાં આવશે.
 
આજેજ ATM કાર્ડ મેળવવા બેંકના દરેક શાખા અધિકારી નો સંપર્ક સાધવા વિનંતી

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 mails 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 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 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 unauthorised 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 betaken by the next person using the ATM. Bank will not be liable for any financial loss.

Using your Card Merchant Establishment

Step 1 : Present yourcardat the Merchant Establishment. Ensure that it displays 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 willreturn thecustomer 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

  1. Debit Card Number : This is your 16-digit Card Number. Please note that you are required to quote this numberfor all future correspondences with your bank.
  2. Your Name : Only you are authorised 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.)
  3. 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.
  4. RuPay Logo : Your RuPay Debit Card is acceptable in India at ATMs and Merchant Establishments displaying RuPay logo.

» BACK OF THE CARD

  1. Magnetic Stripe: Important information pertaining to your RuPay Debit Card is encoded here. Please protect the magnetic stripe from getting damaged.
  2. Signature Panel: Please sign on the signature panel immediately on receipt of your card with a non-erasable ball-point pen (preferably black ink).
  3. 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

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

Tariff

1)  Annual fee (p.a.) : - Rs.100
2) Other bank ATMs :- Free Five transactions (financial and non financial combined)
3) Additional card (p.a.) :- Rs.100
4) RuPay Debit Card (please note : these charges will be after the free transactions)
  • Financial (cash withdrawal) : Rs.20 (as per RBI circular, this amount cannot be more than Rs.20 inclusive of taxes)
  • Non-financial (balance inquiry, mini statement, PIN change) : Rs.12 (as per RBI circular, this amount cannot be more than Rs.12 inclusive of taxes)
5) RuPay Debit Card Limit
  • Daily Cash withdrawal limit (per day) : Rs.૩0000
6) Card Replacement fee : Rs.100
7) PIN Replacement fee : Rs.50

 
All charges are Inclusive of taxes

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