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Rights of a bank customer 10 rights that customers should be aware of, as provisioned by the BCSBI Code and stipulated by the RBI. 1. No bank can refuse to open an account for you if you are an Indian citizen, who lives somewhere in India, only lacking proof of permanent address. This is called simplified KYC norms. This account may have some limitations. 2. Any walk-in customer in any bank, even without an account in that bank, can send a remittance of up to 50000 by NEFT (National Electronic Fund Transfer). 3. Every account that is designated as a BBA (basic banking account) does not need a minimum balance. This is regardless of whether you are a PSU bank or a private sector bank. However, value added services may not be provided for this account by the bank. 4. The bank has to inform you, through a 30 day notice, of any change in the terms and conditions of your agreement with the bank. 5. The customer has a right to get compensated for late collection of cheques, beyond the period specified by the bank, at a simple rate of interest. 6. The customer should get back any security, against which liability is fully cleared, within 15 days of clearing such a liability. 7. The bank must not force you to buy third party products: For example: a mutual fund or an insurance policy. 8. The bank cannot offer you a product with changed qualities suo moto (on their own accord). 9. No unauthorised debit can be forced on you. The onus of proving the debit lies with the bank. This can be of immense help to customers in case there is a fraud on your bank account. 10. Whatever facility the bank refuses to you, the customer has the right to know the reasons for refusal. 19
¥æòÜ ÚUæ§ÅU÷â ȤÚUßÚUèU 2017
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