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.
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
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.
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.)
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 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
Bank reserves the right to approve or decline any transaction. The card holder cannot later deny any instruction given through this card.
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.