Hi, showing following circular may solve your friend's problem. If not, write to: [email protected] or visit: allahabadbank.in and go to customer greivance section and write there...
ALLAHABAD BANK Development Department Head Office: 2, Netaji Subhas Road, Kolkata - 700001 Instruction Circular No. 10333 /Dev/2008-09/93 Date : 21.01.2009 To All Branches & Offices 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. 1 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. 2 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. (Narendra Singh) General Manager (Plg. & Dev) Hindi Version of the Circular follows 3 On 2/5/15, vivek doddamani <[email protected]> wrote: > Friends, here one of my blind friend faced very tipical problem by > Allahabad Bank of Timarpur Branch in Delhi he is using this bank & > banking fecility for the past ten years, though he is totally blind he > can sign very easily, for the past 10 years he is producing his cheque > duely signed by himself to house loan & car loan till date there was > no problem, but a new Manager has come in Allahabad Bank he refused > him to give payment through cheque when he had sent his son for > withdrawel of cash, his son is of 20 years old, the manager did not > returned the cheque & said cheque could not be issued to blind > persons, though this blind person signature is very clear and he is > using for the past 10 years, friends please give suggestions what > action can be taken against the Allahabad Bank Manager, Timarpur > Branch, Delhi. > > -- > vivekananda Ph-9868954833, skype: vivekkavya, FB: vivek doddamani. > > > > Register at the dedicated AccessIndia list for discussing accessibility of > mobile phones / Tabs on: > http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > > 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 > > > Disclaimer: > 1. Contents of the mails, factual, or otherwise, reflect the thinking of the > person sending the mail and AI in no way relates itself to its veracity; > > 2. AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > Register at the dedicated AccessIndia list for discussing accessibility of mobile phones / Tabs on: http://mail.accessindia.org.in/mailman/listinfo/mobile.accessindia_accessindia.org.in Search for old postings at: http://www.mail-archive.com/[email protected]/ 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 Disclaimer: 1. Contents of the mails, factual, or otherwise, reflect the thinking of the person sending the mail and AI in no way relates itself to its veracity; 2. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list..
