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also take the cheaque book only if he/she has authorized signature of the account holder.

When the cheaque boobs are issued they are feed in the computer system from the requisite slip so when the cheaques are given for the credit/transfer of amount they could checked. In this way neither the cheaques could be repeated nor the invalid cheaques could be claimed.

ISSUANCE OF ATM CARDS:

Head Office issues ATM (Auto-Teller Machine) cards with their PIN (Personal Identification Number) Codes and when the customer claims for their ATM card they are checked from the list that is also issued from the Head Office. And the claim is checked from the list and if the name is found than the cards are issued by taking a signature and their PIN codes are also given to them by taking signatures on their ATM card forms. The ATM card has been activated by the number provided at or with the specific card.

CANCELLATION OF ATM CARDS:

The cancellation of ATM cards become necessary in the following conditions:

If folded or damaged

Stolen

PIN code missed or forgotten

Card captured by the machine and expired

If requested by the customer

The cancellation or inactivity of the card is being processed by the request or instructions provided from the customer.

RUPEE TRAVELERS CHEQUES :

1. PURCHASE OR ENCASHMENT OF RTC:

The first step before encashing the traveler cheaque is to make sure that the RTC is valid means that it is neither stolen nor lost.

In the second step the bank take the ID card copy and proof of the purchase of the RTC's from the person.

In this step we make sure that the signature and name of the concerned person and also of the IBS signatures are present.

If the amount required to be transferred in the persons account then the transfer stamp as well as payees account stamp has been put other-wise cash has been handed over to the person by putting cash stamp on the RTC.

2. SALE OF RTC:

The selling of the RTC has been described in step-wise as follows:

In this step the bank initially seeks the information whether the person is going to purchase the RTCs on cash or on account basis. If the transaction is held on cash then simply after taking the cash the RTCs been issued, but if the transaction is based on account then initially the cheaque has been cleared than if the amount is sufficient than RTC has been issued after deducting the amount from the account.

If the amount of RTC is more than Rs. 25000 then tax has levied by 0.3% in case of absence of the tax deduction form.

After this the bank handed over a form for RTC sale duly filled by the concerned person. And after this RTC number has been noted on the form as well as their amount and quantity.

After this we note down the sold RTC in the concerned register.

SHORT NOTICE TERM DEPOSIT (SND):

These are for short times either for seven days or for thirty days and the profit is calculated by the given percentage from the head office at the payment time. If the customer fails to complete the duration of 7 days or 30 days then no profit is given.

If any amount is outstanding, only in case of automatic continuity, then t