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Simple safeguards can help you to
protect your accounts and save you from losing your hard earned money. A
small list of safeguards is provided below:
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General:
- Inform us when you change
your
- Name
- Address
- Contact numbers
- Email address
- Check your statement/passbook
regularly and immediately inform us of any discrepancy. Similarly,
immediately inform your nearest branch of the bank in the event of your
Demand Draft, Fixed Deposit Receipt or Locker key being misplaced/
stolen.
- In the event your cheque
leave(s)/ book, passbook, ATM/Debit card is lost or stolen, or you feel
your password has been compromised, please notify us immediately through
our 24/7 Phone banking centre, to enable us to take suitable measures to
prevent misuse of the same.
Debit Card Hot listing number: 1800-22-6999
Phone Banking Nos: 1800-22-1070 (MTNL/BSNL);
1800-200-1947 (Others); +9122-66937000 (Overseas)
- Never respond to emails that
request personal information. Kindly note that the Bank/RBI/Income Tax
Department will never ask for details about your Account / PINs or
Passwords.
- Please avail nomination
facility. Please furnish the nominations for deposit and pension account
separately.
- Please operate your account
at frequent intervals so that it is not misused. Further, it will also
ensure that your account does not turn inactive / dormant.
- After submitting any written
communication to the bank, always ensure to collect acknowledgement from
the Bank officials. This will help you for future reference.
- Change and memorize your PIN,
password and other security information received by you.
- Do not disclose your card,
PIN, password or other security information to anyone else.
- Change your PIN/Password at
regular intervals.
- Do not introduce any person
to the Bank who is not personally known to you for the purpose of
opening account.
- Do not keep your passbook,
cheque book, ATM/Debit card together.
- Always maintain the minimum
balance as specified by the bank.
- Note down account numbers,
details of FDR, locker number, etc. separately.
- Pay Interest, Instalments,
Locker Rent and other dues on time.
- Avail Standing Instruction
facility for repeat transactions.
- Take necessary precaution to
ensure that account is not used for money laundering or for any fraudulent
transaction.
- Do not record your specimen
signature either on passbook or on cheque book.
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Communication
- Give a written instruction in
case you wish to stop payment of a cheque or cancel standing instruction
or a direct debit. We recommend that you inform the originator of the
direct debit also, viz, utility companies, etc.
- Ensure to register your
Mobile number with us and get SMS Alerts to keep track of high value
card & net banking transactions in your account.
- Register your email id with
us.
- Please write legibly and
avoid over writing.
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Cheque book and Cheque leaves
- Ensure that the cheque book
is kept in a safe place.
- Ensure that the name of the
payee on cheque is clearly mentioned.
- Draw a line through unused
space on the cheque to avoid any unauthorised additions.
- Make sure that the date is
written correctly and that the cheque is signed.
- As far as possible, issue
crossed / account payee cheques.
- Avoid overwriting on cheques.
- Do not keep signed blank
cheque leaves.
- Before dropping in the cheque
drop box, please ensure that at the back of the cheque the account
number and mobile number are mentioned.
- While tendering any clearing
cheque at the branch for collection, obtain acknowledgement from the
bank officials.
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Demat
- Ensure safe custody of the
delivery book in the Demat Accounts and do not keep any blank signed
slip in the book.
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Tax Deducted at Source
- Please furnish correct PAN
Number to the Bank.
- Form 15G / 15H is to be
furnished at the commencement of financial year for non deduction of tax
at source.
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Debit Card and PIN
- Ensure to affix your
signature on the reverse of the card to avoid misuse.
- Never keep your Debit Card and
PIN together.
- Never share your ATM PIN,
debit card details with anyone.
- Never leave your Debit/ATM
card unattended. Do not bend the Debit Card.
- Before leaving the ATM,
please ensure to collect the cash, your ATM card and other belongings.
- Avoid using ATMs located in
desolate areas and places, which are dimly lit.
- Please register your mobile
number to receive transaction alerts on using your debit card.
- Keep your transaction
slips/receipts safe and dispose them off carefully.
- Bank will never ask for any
details like debit card number, ATM PIN, CVV number printed on the
reverse of the card etc. Therefore, never respond / reply to emails
asking for such confidential information, even if it seems as having
originated from the Bank. This would help prevent I-Net phishing frauds
and save your hard earned money.
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Internet Banking
- Never respond/avoid opening
or replying to spam emails asking for confidential credentials, even if
purportedly sent by the Bank.
- Do not reveal your Passwords
/ Pins to anyone over the phone, even if the caller claims that he / she
is calling on behalf of the Bank.
- Do not reveal to anyone
(including Bank personnel), the Unique Registration Number (URN), One
Time Password (OTP) and On-line Shopping Password (OSP) forwarded by the
Bank to your mobile phone.
- In case of suspicion, report
the matter immediately to us on our toll free 24 hour customer care
numbers or email us at customercare@idbi.co.in .
- Never let anyone know your
PINs or passwords, do not write them down.
- Do not use the same password
for all your online accounts.
- Using special characters like
# $ @ etc. in your password is highly recommended.
- Use the Virtual Keypad for
enhanced security while keying in your Net Banking passwords.
- Always type the address of
the bank website in the address bar of your browser or access it from
your stored list of favourites. Do not access the bank website through a
link in an email or through another website.
- The URL address on the
address bar of your internet browser begins with "https";
where the letter 's' at the end of "https" means 'secured'.
- Look for the padlock symbol
on the bottom bar of the browser to ensure that the site is running in
secure mode.
- Disable the "Auto
Complete" function on your browser to prevent your browser from
remembering Passwords.
- Always logout to terminate
your session, instead of closing the browser directly.
- Avoid using cyber
cafes/shared PCs to access our Internet Banking site.
- Update your PC with the
latest antivirus and spyware software regularly.
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Grievances
- Complaints/ grievances should
be reported to the bank as soon as possible. This will help us in
retrieving the past data and address your complaint/ grievance
expeditiously.
- You can log on to the Bank�s
website for recording your complaint/ grievance.
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Please help us to serve you
better.
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