Indian Bank Internet Banking / Mobile / Tele Banking Application
Indian Bank Internet Banking / Mobile / Tele Banking Application Form Download
Based on the provided document, here are the key highlights and core parameters of the Indian Bank Internet Banking, Mobile Banking, and Tele Banking Application Form (p. 1):
📋 Purpose and Eligibility
- Services Offered: The form is used to apply for Internet Banking (IndiaNetBank), Mobile Banking, and Phone/Tele Banking (pp. 1, 3).
- Eligible Applicants: Individuals, Joint Account holders, and Sole Proprietorship accounts (p. 1).
- Minor Restriction: Accounts held by a minor or joint accounts with a minor are not eligible for IndiaNetBank services (p. 3).
🔐 Login IDs & Credentials
- User ID Allocation: The user’s 9-digit Customer Information File (CIF) number acts as their permanent Internet Banking User ID (p. 1).
- First-Time Login: The bank issues a temporary User ID and a secret password (p. 3). Users must change this password during their first login (p. 3).
- Password Complexity: Passwords must be at least 6 characters long and contain a mix of alphabets, numbers, and special characters (p. 3). They cannot contain personal info like name, address, or phone number (p. 3).
🤝 Joint Account Rules
- Mandatory Criteria: Digital operations are only available for joint accounts with a mode of operation marked as “either or survivor” or “anyone or survivor” (p. 3).
- Mandate Requirement: Only one User ID is issued for a joint account (p. 3). The applicant must submit a signed mandate form from all other joint account holders authorizing independent digital access (pp. 1, 3).
- Revocation: If any joint holder gives a written “stop payment” instruction, the digital banking service will be immediately discontinued (p. 3).
💰 Balance & Charging Structure
- Minimum Balance: Users must maintain the bank’s stipulated minimum account balance (pp. 1, 3). Penal charges apply for non-maintenance (p. 3).
- Fee Collection: By signing, the user authorizes Indian Bank to directly debit their primary account or a specific designated account for any related digital banking fees (pp. 1, 3).
- Notice Period: The bank must publish any changes to service fees or terms on its official website 15 days in advance (pp. 3-4).
🛑 Liability & Termination
- Unauthorised Usage: The user is fully liable for any financial losses caused by negligence or sharing their password (p. 4). However, if they immediately report a password leak or unauthorized transaction in writing, they will not be held liable for transactions occurring after the bank receives the alert (p. 4).
- Automatic Termination: Closing the designated primary account or closing all linked bank accounts automatically terminates the Internet Banking facility (pp. 1, 5).
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