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In
the Code, 'you' denotes the customer and 'we', the bank the
customer deals with.
Unless
it says otherwise, all parts of this Code apply to all the products and services
listed below, whether they are provided by branches or subsidiaries across
the counter, over the phone, by post, through interactive electronic devices,
on the internet or by any other method. However, all products discussed here
may or may not be offered by all banks.
a.
Current
accounts, savings account, term deposits, recurring
deposit, PPF accounts and all other deposit accounts.
b.
Payment services such as pension,
payment orders, remittances by way of Demand Drafts and wire transfers.
c.
Banking services related to Government transactions.
d.
Demat accounts,
equity, government bonds.
e.
Indian currency notes exchange facility.
f.
Collection of cheques, safe custody services, safe deposit locker facility
g.
Loans and overdrafts.
h.
Foreign exchange services including money changing.
i.
Third party insurance and investment products sold through our branches.
j.
Card
products including credit cards, debits cards,
ATM cards and services (including credit cards offered
by our subsidiaries/companies promoted by us).
The
meanings of (key )words in bold
black have been given in the Glossary.
We
will treat all your personal information as private and confidential subject
to matters mentioned in para
number 5 below.
We will not discriminate on the basis of age,
race, gender, marital status, religion or disability.
You can get information on interest rates, common
fees and charges through any one of the following:
a.
Looking at the notices in our branches
;
b.
Phoning our branches or help-lines;
c.
Looking on our website;
d.
Asking our designated staff/help desk ;or
e.
Referring to the service guide/Tariff Schedule.
.
We
will give you information on
a.
the interest rates which apply to your accounts, both deposit
and loan.
b.
when we will pay interest on your deposits, or charge interest
on your loan accounts.
c.
how we apply interest to your account and
method of calculation of interest.
Changes in interest rates
We
will inform you when we change interest rates on our products.