Well! Lets hope for a good day. -----Original Message----- From: [email protected] [mailto:[email protected]] On Behalf Of Himanshu Sahu Sent: Friday, January 29, 2010 6:39 AM To: [email protected] Subject: Re: [AI] Banking again!
Well, in my opinion, there are some tasks and specializations, which we can not perform and that's why we are called "Disable". I haven't seen anybody facing 100% Vision Impairment and signing or writing anything without the assistance of sighted people. It's something like aspiring to see the colours of Rambo, Shiny light of Sun and Milky smooth moonlight. But the truth is we can only feel it, imagine it and can describe it according to our sense and perception. As far as ATM is concerned, to build a completely accessible infrastructure across the country, it requires a huge expenditure and effort. Fortunately, SBI has taken the initiative but still it is only in the form of announcement or on the paper. Let's hope that the day will come when we would be able to use ATM without any assistance. And please don't take my comment otherwise regarding our limitations. On 1/29/10, Srikanth Bolla <[email protected]> wrote: > Hi this is Srikanth. I agree with all the rules and rights. I am wondering > how we have to use A T M machines with touch screen? How we have to write > checks? How we have to fill forms, slips? regards > , > -----Original Message----- > From: [email protected] > [mailto:[email protected]] On Behalf Of Himanshu Sahu > Sent: Friday, January 29, 2010 1:12 AM > To: [email protected] > Subject: Re: [AI] Banking again! > > Hi Satguru, > Here is the guideline issued from Judiciary,Finance Ministry and RBI, > which allows us to use most of the banking services. Hope it would > help to understand our rights and limitations. > > > "Banking Facilities to the Visually Impaired Persons" > In compliance with the directives from the Court of Chief Commissioner > of Persons with Disabilities > and at the instance of Ministry of Finance, Govt. of India and Reserve > Bank of India, the Indian > Banks' Association (IBA) has framed procedural guidelines, as detailed > hereinafter, for the member > banks for providing banking facilities to visually impaired persons. > It has been decided by the Bank to implement the procedural > guidelines, as aforesaid, for providing > banking facilities to visually impaired persons in respect of the > banking services offered by the Bank. > Procedural Guidelines for Providing > Banking Facilities to Visually Impaired Persons > 1.0 General Instructions > i) Banking facilities for visually impaired persons should be offered > by all branches of banks. > ii) Banks should not equate visually impaired customers with > illiterate customers. > iii) All banks must provide the same facilities to a visually impaired > customer/ prospective > customer as it would do so for any other customer. But at the same > time, the customers > should be made aware of the risk associated with some of the > facilities, which may be > higher than that for a normal customer. > iv) Additional facilities like reading and filling up forms, slips, > cheques should be provided to a > visually impaired customer, if required. > v) Banks should not deny any services to visually impaired customers > including those who > use their thumb impression for operating the bank account. > vi) A visually impaired customer must not be forced to operate the > bank account jointly with > any person or in the presence of any person. > vii) Visually impaired customers may be allowed to appoint a person/ > persons as their Power > of Attorney or Mandate Holder to operate their bank account, if they so > desire. > 1.1 Opening of Bank Accounts > i) All banking products offered by a bank should be made available to > visually impaired > persons. > ii) A bank must follow the same procedure for opening the account of a > visually impaired > person as it does for its other customers. > iii) A visually impaired person must be allowed to open the account > either singly or jointly > with others. > iv) A bank must allow the visually impaired customer to open a joint > account with anybody > that he/ she chooses, including person(s) who is/ are visually impaired. > v) The Officer/Manager of the branch should read out the rules of > business and other terms > and conditions in the presence of a witness, if required by the customer. > vi) The Branch Manager must inform a visually impaired customer/ > prospective customer of > his/ her rights and liabilities before opening the account. > 2 > vii) The documentation requirements of a visually impaired customer > must be the same as > applicable to any other customer. > viii)The account has to be clearly marked as "The account holder is > visually impaired". > 1.2 Withdrawal of cash / cheque book facility > i) Facilities for withdrawal of cash, as provided to all customers > regarding cash payments, > must be provided to visually impaired customers. > ii) In case a visually impaired customer makes cash withdrawals at the > bank then the > payment must be made in the presence of another bank employee/ > officer. No outside > witnesses are required unless the visually impaired customer requests > that such witness be > present. > iii) Operations should not be restricted to self withdrawals. > iv) Cheque book facility should not be denied to visually impaired person. > v) All procedures pertaining to the use of such cheque books by > visually impaired customers > must be in accordance with that followed in respect of other customers. > vi) Cheques issued by visually impaired persons to third parties > should be honoured, if > otherwise in order. > 1.3 Credit Cards/Debit Cards > i) Visually impaired customers must be issued Credit Cards/ Debit > Cards on request. > ii) All rules and regulations regarding credit/ debit card must be > available on the web-site > of the respective banks in accessible format. These should be read out > to visually > impaired persons and perceived risk factors explained to them. > iii) Banks may consider issuing Credit/ Debit card with Photograph. > This Photograph will work > as an identification/ verification. > 1.4 ATM/Debit Cards > i) Visually impaired customers must be permitted to avail of ATM facilities. > ii) Banks should ensure that the ATMs are also accessible to other > categories of persons with > disabilities, such as the orthopedically disabled ones. > 1.5 Online Banking/ Mobile Banking and Tele-Banking/ Phone Banking > i) All banks must have accessible websites and conform to > international accessibility > standards. > ii) All customer facing applications such as web applications, desktop > applications and mobile > applications should be accessible to visually impaired persons. > iii) The banks should alternate methods of user authentication/ > password verification. > iv) All features, especially those related to customer security, must > be accessible to visually > impaired persons. > 1.6 Lockers > i) Visually impaired customers should be provided with locker facility > on request. > ii) Suitable lockers, conveniently located for operations, may be > allotted to visually impaired > persons. > iii) Bank procedures for issuing a locker to a visually impaired > customer must be the same > as applicable to any other customer. > iv) A visually impaired customer may be given the following options > for operation of locker: > a. Operation- singly > b. Operation- singly with assistance of a reliable person, as per the > choice of the > applicant. > c. Operation- jointly > v) A visually impaired customer may request the person in-charge of > the locker in the branch > to be present when the locker is opened or to check if nothing has > been left behind or > fallen after the locker is closed. > 1.7 Loans > i) Loans must be made available to visually impaired customers as are > offered to other > customers and their impairment of vision should not be a criterion for > sanctioning/ denying > a loan. > ii) No additional burden of interest payment, collateral and other > terms should be imposed on > the visually impaired customers. > Branches/Offices are, therefore, advised to be guided accordingly. > A copy of the Circular should be displayed on Notice Board for > information of the customers/ > visiting public. > > > > > > > > On 1/28/10, srikanth kanuri <[email protected]> wrote: >> hope some people are using Cheques with the attestation of the banker on > it. >> >> On 1/28/10, Satguru Rathi <[email protected]> wrote: >>> Dear list, >>> >>> I am again in need of some help from you all: >>> >>> I am going to have my salary account with Axis bank and have applied for >>> following facilities: >>> -Cheque book, >>> -Internet banking and >>> -ATM cum Debit card. >>> here, let me clear that I am a 100% visually impaired person and do not >>> sign >>> and use my thumb impression instead. >>> Now, the bank officials are ready to issue me cheque book on my thumb >>> impression but the problem is that I shall only be able to withdraw money >>> and will not be entitled to issue cheques to pay my bills etc. and then >>> also, I would need a witness to withdraw my money which is again a > setback >>> for me. For ATM also, they say that they will issue me the ATM card only >>> and >>> not the Debit card. >>> >>> Now, may I request you all to please revert back if any of you is having >>> the >>> above mentioned facilities and use their thumb impression instead of >>> signatures. >>> Do mention about the bank also which is providing these facilities. >>> >>> You can write to me offline at [email protected] to avoid traffic >>> on >>> the list. >>> >>> Hoping for your kind response >>> >>> Thanks. >>> >>> ___ >>> "Life's battle do not always go, To the stronger or faster man. But >>> sooner >>> or later the one who wins, Is the one who thinks he Can." >>> >>> Satguru Rathi >>> >>> Emails: >>> > [email protected];[email protected];[email protected] >>> Skype: satgururathi >>> Mob:+9199 71 23 16 27 >>> >>> >>> >>> >>> To unsubscribe send a message to [email protected] >>> with >>> the subject unsubscribe. >>> >>> To change your subscription to digest mode or make any other changes, >>> please >>> visit the list home page at >>> >>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >>> >> >> >> >> To unsubscribe send a message to [email protected] > with >> the subject unsubscribe. >> >> To change your subscription to digest mode or make any other changes, > please >> visit the list home page at >> > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in >> > > > -- > With best wishes and regards > Himanshu Sahu > CS to FGM > Allahabad Bank > Kolkata > Reach: 09051055000 > > > > To unsubscribe send a message to [email protected] with > the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > > > > > To unsubscribe send a message to [email protected] with > the subject unsubscribe. > > To change your subscription to digest mode or make any other changes, please > visit the list home page at > http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in > -- With best wishes and regards Himanshu Sahu CS to FGM Allahabad Bank Kolkata Reach: 09051055000 To unsubscribe send a message to [email protected] with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in To unsubscribe send a message to [email protected] with the subject unsubscribe. To change your subscription to digest mode or make any other changes, please visit the list home page at http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
