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):

 

• 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).

• 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).

• 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).

• 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).

• 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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