1.

Account Management
2. Cards (Credit/Debit/Prepaid)
3. Loans
4. Savings and Investments
5. Security and Fraud
6. Branch and ATM Information
7. Banking Services
8. FAQs and General Queries
9. Customer support

Account Management
1. How can I open a new savings or current account?
2. What documents do I need to open an account?
3. How do I update my contact details (phone number, email, address)?
4. Can I link my Aadhaar/SSN to my account?
5. How do I check if my account is KYC compliant?

Cards (Credit/Debit/Prepaid)
1. How can I apply for a credit or debit card?
2. What are the benefits of different credit card types?
3. How do I block a lost or stolen card?
4. How can I request a replacement card?
5. What are the steps to enable international transactions on my card?

Loans
1. How can I apply for a personal, home, or car loan?
2. What are the eligibility criteria for a loan?
3. What is the interest rate on loans?
4. What documents do I need for a loan application?

Savings and Investments

1. What is the interest rate for fixed deposits?
2. How can I start a recurring deposit?
3. What are the options for long-term investments?
4. How do I learn about mutual fund offerings?

Security and Fraud

1. How can I report suspicious activity?
2. How do I reset my internet or mobile banking password?
3. What should I do if I suspect my account is compromised?
4. How can I enable two-factor authentication for online banking?
5. What are the best practices to ensure my account remains secure?

Branch and ATM Information

1. Where is the nearest branch or ATM?
2. What are the operating hours for branches?
3. Is there an ATM near [specific location]?
4. How can I book an appointment at my local branch?
5. What are the bank holiday schedules?

Banking Services
1. How do I register for internet or mobile banking?
2. What are the benefits of mobile banking?
3. How can I request a new checkbook?
4. What is the process to open a joint account?
5. How do I close my account?

FAQs and General Queries

1. How can I switch my salary account to your bank?
2. What are the benefits of a savings account with your bank?
3. What is the process to open a business account?
4. How can I provide feedback or file a complaint?

Customer support
1. Audio Call to customer support
2. Video call to customer support

Account Management

1. How can I open a new savings or current account?

To open a new savings or current account, follow these steps:
1. Visit the nearest branch of the bank or access the bank’s website/app.
2. Choose the type of account you want to open (savings or current).
3. Fill out the account opening form with the required details.
4. Submit the necessary documents (ID proof, address proof, etc.).
5. Provide recent passport-size photographs.
6. Make the initial deposit (if required).
7. Once the bank verifies your documents, your account will be activated, and you will receive
your account details.
(For more details visit your bank counter 1)

2. What documents do I need to open an account?

The documents required to open a bank account typically include:
• Identity Proof: Aadhaar card, PAN card, Passport, Driving License, or Voter ID.
• Address Proof: Utility bill (electricity, water, gas), Aadhaar card, Passport, or Ration card.
• Photographs: Recent passport-sized photos (2–3 copies).
• Proof of Income (for current accounts): Business registration documents or tax returns.
• Other Documents (if applicable): KYC forms, student ID (for student accounts), or employer
letter (for salary accounts).
Note: Requirements may vary by bank and region. Always check with your bank for the exact
list.
(For more details visit your bank counter 1)

3. How do I update my contact details (phone number, email, address)?

 To update your contact details, you can:
1. Online Banking/Bank App:
o Log in to your online banking or mobile app.
o Go to the profile or settings section.
o Update your phone number, email, or address as required.
o Authenticate using an OTP or secure method.
2. Branch Visit:
o Visit your nearest bank branch with a valid ID proof.
o Fill out the contact update request form.
o Submit the form along with your ID proof for verification.
3. Customer Support:
o Call the bank’s customer service helpline and request a contact detail update.
o You may need to verify your identity using your account details.
Note: Some changes, like address updates, may require additional documents as proof.
(For more details visit your bank counter 1)

4. Can I link my Aadhaar/SSN to my account?

Yes, you can link your Aadhaar/SSN to your account:
1. Online Method:
o Log in to your bank’s internet banking or mobile app.
o Look for the option to link Aadhaar/SSN.
o Enter your Aadhaar/SSN number and submit.
2. Branch Visit:
o Visit your bank branch with your Aadhaar card or SSN document.
o Fill out the Aadhaar/SSN linking form.
o Submit it along with a self-attested copy of your Aadhaar/SSN card.
3. ATM:
o Some banks allow linking through ATMs. Insert your card, select the Aadhaar/SSN
update option, and follow the instructions.
4. SMS or IVR:
o Check if your bank offers linking through SMS or IVR.
Note: Linking Aadhaar is mandatory in some regions for government benefits.
(For more details visit your bank counter 1)

5. How do I check if my account is KYC compliant?

To check if your account is KYC compliant:
1. Online Banking/Bank App:
o Log in to your account via the bank’s website or app.
o Check for a message or status indicating KYC compliance.
o Some banks provide a "KYC status" section in the profile details.
2. Customer Support:
o Call your bank’s customer care helpline and inquire about your KYC status.
3. Visit a Branch:
o Visit your nearest bank branch and ask the staff to verify your KYC status.
4. Notifications:
 o Banks often notify customers via SMS, email, or app alerts if KYC compliance is
pending.

(For more details visit your bank counter 1)

Cards (Credit/Debit/Prepaid)

1. How can I apply for a credit or debit card?

To apply for a credit or debit card, follow these steps:

Debit Card
1. When Opening a Bank Account:
o A debit card is usually issued automatically when you open a savings or current
account.
2. Existing Account Holders:
o Visit your bank branch, mobile banking app, or online banking portal.
o Choose the option to apply for a debit card.
o Select the card type (standard, premium, international, etc.).
o Complete the application and submit any required documents.
Credit Card
1. Online Application:
o Visit the bank’s website or mobile app.
o Browse the credit card options and choose one that suits your needs.
o Fill out the online application form and upload necessary documents (ID proof,
income proof, etc.).
2. Branch Visit:
o Visit the nearest branch with your documents.
o Speak with a bank representative to choose the right card for you.
3. Pre-approved Offers:
o Check if you qualify for pre-approved credit card offers via email, SMS, or online
banking.
Required Documents for Credit Cards: ID proof, address proof, income proof (salary slips or
tax returns), and a recent photograph.
(For more details visit your bank counter 2)

2. What are the benefits of different credit card types?

Credit cards come with a variety of benefits based on their types:
1. Rewards Cards: Earn points for every transaction, redeemable for products, vouchers, or
cash back.
2. Travel Cards: Offer air miles, lounge access, and discounts on travel bookings.
3. Cashback Cards: Provide cash back on specific categories like fuel, groceries, or dining.
4. Premium Cards: Include concierge services, luxury travel benefits, and higher credit limits.
5. Student Cards: Designed for students with minimal income proof requirements and basic
features.
6. Corporate Cards: Tailored for businesses with expense tracking and employee card
management.
Each card has unique benefits, so choose based on your spending habits and needs.
(For more details visit your bank counter 2)

3. How do I block a lost or stolen card?

You can block a lost or stolen card using these methods:
1. Mobile Banking App/Internet Banking:
o Log in to your account.
o Go to the card management section.
o Select "Block Card" and follow the instructions.
2. Customer Care:
o Call your bank’s helpline immediately.
o Provide the card details or account number for identification.
o Request to block the card.
3. SMS or IVR:
o If available, send an SMS or use the bank’s IVR system to block your card.
4. Branch Visit:
o Visit the nearest branch and inform them about the issue.
Tip: Once the card is blocked, inquire about the process to apply for a replacement card.
(For more details visit your bank counter 2)

4. How can I request a replacement card?

To request a replacement card:
1. Online or App:
o Log in to your bank’s online banking or mobile app.
o Navigate to the card management section.
o Select "Request Replacement Card" and provide the necessary details.
2. Customer Care:
o Call your bank’s helpline and request a replacement.
o Provide identity verification and confirm your address for card delivery.
3. Branch Visit:
o Visit your nearest bank branch.
o Fill out a replacement card request form and submit it along with a valid ID.
Note: Some banks may charge a fee for card replacement.
(For more details visit your bank counter 2)

5. What are the steps to enable international transactions on my card?

To enable international transactions:
1. Mobile App/Online Banking:
o Log in to your account via the bank’s app or website.
o Navigate to the card management section.
o Select your card and choose the option to enable international transactions.
o Set transaction limits if required.
2. Branch Visit:
 oVisit your nearest bank branch with your card.
oRequest the staff to enable international transactions.
3. Customer Care:
o Call the bank’s helpline and request to enable international usage for your card.
4. ATM (Optional):
o Some banks allow activation through ATMs. Insert your card and look for
international settings.
Important: Ensure that your card supports international usage (e.g., Visa, MasterCard, etc.),
and check if your bank charges additional fees for international transactions.
(For more details visit your bank counter 2)

Loan
1. How can I apply for a personal, home, or car loan?
To apply for a loan, follow these steps:
Online
1. Visit the bank’s website or mobile app.
2. Choose the type of loan (personal, home, car).
3. Fill out the application form with your personal and financial details.
4. Upload required documents (ID proof, income proof, etc.).
5. Submit the application and wait for the bank to process it.
Branch Visit
1. Visit the nearest bank branch.
2. Speak with a loan officer to discuss the loan type, amount, and tenure.
3. Complete the application form and submit your documents.
4. The bank will verify your details and inform you of the approval status.
Pre-approval
• Check if you have a pre-approved loan offer via SMS, email, or online banking.
(For more details visit your bank counter 3)

2. What are the eligibility criteria for a loan?

Eligibility criteria may vary depending on the loan type and the bank, but common
requirements include:
Personal Loan
1. Age: 21 to 60 years.
2. Employment: Salaried or self-employed.
3. Income: Minimum income as specified by the bank.
4. Credit Score: 650 or above is typically required.
Home Loan
1. Age: 21 to 65 years.
2. Employment: Salaried, self-employed, or business owner.
3. Income: Sufficient to cover EMIs and other expenses.
4. Property Valuation: The property must meet the bank’s valuation criteria.
Car Loan
1. Age: 21 to 65 years.
2. Employment: Salaried or self-employed with stable income.
3. Car Type: New or used cars (within age limits for used vehicles).
4. Credit Score: Good credit history is preferred.
 (For more details visit your bank counter 3)

3. What is the interest rate on loans?

Interest rates depend on the loan type, applicant’s credit profile, and market conditions.
Approximate ranges:
• Personal Loans: 10% to 18% annually.
• Home Loans: 7% to 10% annually.
• Car Loans: 8% to 12% annually.
Note: Check your bank’s website or contact customer support for the latest rates, as these
can vary.
(For more details visit your bank counter 3)

4. What documents do I need for a loan application?

Documents required may vary by loan type but typically include:
Identity Proof
• Aadhaar card, PAN card, Passport, Voter ID, or Driving License.
Address Proof
• Utility bill, rent agreement, passport, or Aadhaar card.
Income Proof
• Salaried: Salary slips, bank statements (last 3–6 months), or Form 16.
• Self-employed: Business registration, income tax returns, or profit & loss statements.
Additional Documents
• For Home Loans: Property documents (sale deed, NOC, approved plan).
• For Car Loans: Quotation from the dealer.
(For more details visit your bank counter 3)

Savings and Investments

1. What is the interest rate for fixed deposits?

The interest rate for fixed deposits varies by bank, deposit tenure, and the amount.
Approximate ranges are:
• General Customers: 3% to 8% annually.
• Senior Citizens: Additional 0.25% to 0.50% above the general rate.
Factors Influencing Rates:
1. Tenure: Longer tenures often attract higher rates.
2. Deposit Amount: Some banks offer special rates for large deposits.
3. Promotions: Rates may be higher during special offers or seasons.
Check your bank’s website or visit a branch for the latest rates.
(For more details visit your bank counter 4)

2. How can I start a recurring deposit?

To start a recurring deposit (RD):
Online or Mobile App
1. Log in to your bank’s internet banking or app.
2. Navigate to the “Deposits” or “Recurring Deposit” section.
3. Enter the deposit amount, tenure, and choose the account to debit from.
4. Confirm the details and submit.
Branch Visit
1. Visit your nearest branch.
2. Fill out an RD application form.
3. Provide the deposit amount, tenure, and your bank account details.
4. Submit the form and complete the initial deposit process.
Tip: Automate monthly payments for convenience.
(For more details visit your bank counter 4)

3. What are the options for long-term investments?

Popular long-term investment options include:
1. Fixed Deposits (FD): Safe and offers guaranteed returns.
2. Public Provident Fund (PPF): Tax-saving scheme with a tenure of 15 years.
3. Mutual Funds: Equity or hybrid funds for potential higher returns (subject to market risks).
4. National Pension System (NPS): Retirement-focused investment.
5. Stock Market: Invest in shares for higher but riskier returns.
6. Bonds: Government or corporate bonds for stable returns.
7. Real Estate: Property investments for capital appreciation.
8. Insurance Plans: ULIPs (Unit Linked Insurance Plans) combine insurance and investment.
Choose based on your risk appetite, financial goals, and tenure.
(For more details visit your bank counter 4)

4. How do I learn about mutual fund offerings?

You can learn about mutual fund offerings through:
Bank/Investment Apps
1. Log in to your bank’s app or a dedicated investment platform (e.g., Groww, Zerodha).
2. Browse the mutual fund section.
3. Explore fund types (equity, debt, hybrid) and read their descriptions.
Bank or Asset Management Company (AMC)
1. Visit your bank branch or AMC office (e.g., SBI Mutual Fund, HDFC AMC).
2. Ask for brochures or investment advisors to explain fund offerings.
Websites
1. Bank’s website or AMC websites often have detailed information.
2. Use comparison tools to analyze performance, risks, and fees.
Consult Financial Advisors
Speak with a certified financial advisor for personalized recommendations based on your
financial goals.
Would you like additional tips for evaluating mutual funds?
(For more details visit your bank counter 4)

Security and Fraud

1. How can I report suspicious activity?

If you notice suspicious activity in your account, take these steps immediately:
1. Contact Customer Support:
o Call your bank’s helpline and report the activity.
o Provide transaction details if available.
2. Visit the Branch:
o Go to the nearest bank branch and speak with a representative.
o File a written complaint if required.
3. Use Online Banking or Mobile App:
o Log in and check if there’s an option to report fraud.
4. File a Police Complaint (if necessary):
o For severe cases like identity theft, file an FIR with your local police.
5. Block Your Card (if applicable):
o Use the mobile app, online banking, or customer service to block compromised cards
or accounts.
(For more details visit your bank counter 5)

2. How do I reset my internet or mobile banking password?

Using the Bank’s Website/App
1. Go to the login page.
2. Click on “Forgot Password.”
3. Enter your registered email/phone number or account details.
4. Verify your identity using OTP or security questions.
5. Create a new password and confirm.
Through Customer Support
1. Call your bank’s customer service.
2. Authenticate yourself with account details and security questions.
3. Request a password reset.
Tip: Choose a strong password and avoid reusing old ones.
(For more details visit your bank counter 5)

3. What should I do if I suspect my account is compromised?

If you suspect your account is compromised, act quickly:
1. Freeze Your Account:
o Contact customer support and request to temporarily freeze your account.
2. Change Passwords:
o Immediately reset your internet and mobile banking passwords.
3. Block Cards:
o Block any linked debit or credit cards through the app or by calling the helpline.
4. Monitor Transactions:
o Check recent transactions and report any unauthorized activity.
5. Enable Alerts:
o Activate SMS/email notifications for all transactions.
6. Inform the Authorities:
o If funds are stolen, file a report with the police and cybercrime unit.
(For more details visit your bank counter 5)
 4. How can I enable two-factor authentication for online banking?
Two-factor authentication (2FA) adds an extra layer of security to your account:
1. Mobile Banking or Website:
o Log in to your account.
o Go to the “Security Settings” or “2FA” section.
o Enable 2FA and register your phone number/email for OTPs.
2. App-based Authentication:
o Some banks support authenticator apps (e.g., Google Authenticator).
o Scan the QR code or enter the setup key provided by the bank.
3. Customer Support:
o Contact your bank and request assistance in enabling 2FA.
Tip: Always verify the source of OTPs or authentication requests to avoid phishing attacks.
(For more details visit your bank counter 5)

5. What are the best practices to ensure my account remains secure?

Follow these best practices to keep your account secure:
Passwords
• Use strong, unique passwords for online and mobile banking.
• Change passwords regularly.
Two-factor Authentication
• Enable 2FA for an additional security layer.
Device Security
• Keep your phone, laptop, and other devices updated.
• Install reliable antivirus software.
Avoid Phishing Scams
• Don’t click on suspicious links or respond to emails asking for account details.
• Verify the sender’s authenticity before sharing sensitive information.
Secure Transactions
• Use the bank’s official website or app for online banking.
• Avoid using public Wi-Fi for financial transactions.
Monitor Account Activity
• Regularly check your account statements.
• Enable real-time alerts for all transactions.
(For more details visit your bank counter 5)

Branch and ATM Information

1. Where is the nearest branch or ATM?

To find the nearest branch or ATM:
1. Online Locator:
o Visit the bank’s official website or mobile app.
o Use the "Branch/ATM Locator" tool.
o Enter your location or enable GPS to see the closest options.
2. Customer Care:
 o Call the bank’s helpline and ask for branch/ATM locations near you.
3. Maps:
o Search for the bank name followed by “ATM” or “branch” on Google Maps.
(For more details visit your bank counter 6)

2. What are the operating hours for branches?

Operating hours vary by bank and location, but typical branch hours are:
• Weekdays: 9:30 AM to 3:30 PM.
• Saturdays: Open until 1:00 PM (for banks with a 5-day week, alternate Saturdays may be
closed).
• Sundays and Bank Holidays: Closed.
Tip: Confirm the timings on the bank’s website or call the branch as some branches have
extended or reduced hours.
(For more details visit your bank counter 6)

3. Is there an ATM near [specific location]?

To find an ATM at a specific location:
1. Use the bank’s online locator by entering the specific area or landmark.
2. Search on Google Maps:
o Type “[Bank Name] ATM near [Location].”
o It will provide exact addresses and distance.
3. Call customer support for detailed guidance.
(For more details visit your bank counter 6)

4. How can I book an appointment at my local branch?

Many banks now allow you to book branch appointments online:
1. Mobile App/Online Banking:
o Log in to the app or website.
o Go to the “Appointments” or “Branch Services” section.
o Select the branch, date, and service required.
2. Phone Call:
o Call the branch directly or the bank’s customer care.
o Request an appointment and provide your details.
3. Visit in Person:
o Go to the branch during operating hours and inquire about appointment availability.
(For more details visit your bank counter 6)

5. What are the bank holiday schedules?

Bank holiday schedules vary by region and country:
1. Official Bank Website/App:
o Check the "Holiday Calendar" section.
o Look for region-specific holidays if applicable.
2. Local Branch:
o Contact your branch directly for the holiday list.
3. Government Websites:
o In many countries, banks follow public holiday schedules published by local
authorities.
Tip: Plan visits around holidays to avoid delays in services.
(For more details visit your bank counter 6)

Banking Services

1. How do I register for internet or mobile banking?

Online Registration
1. Visit your bank’s official website or download the mobile app.
2. Select "Register" or "New User."
3. Enter required details like your account number, registered mobile number, and customer ID.
4. Verify your identity using OTP sent to your registered mobile/email.
5. Create a username and password to complete the registration.
Branch Assistance
1. Visit the nearest branch and request an internet/mobile banking registration form.
2. Fill out the form and submit it along with your ID proof.
3. The bank will provide login credentials or a temporary password.
Tip: Always use official apps or websites to avoid phishing attempts.
(For more details visit your bank counter 7)

2. What are the benefits of mobile banking?

Mobile banking offers several advantages:
1. Convenience: Access your account anytime, anywhere.
2. Quick Transactions: Transfer money, pay bills, or recharge instantly.
3. Account Management: Check balances, view statements, and monitor transactions.
4. Security: Two-factor authentication and biometric logins ensure safe transactions.
5. Additional Features: Apply for loans, credit cards, and fixed deposits without visiting a
branch.
(For more details visit your bank counter 7)

3. How can I request a new checkbook?

Mobile App/Online Banking
1. Log in to your account.
2. Navigate to the “Services” or “Request Checkbook” section.
3. Choose the account and the number of checkbooks needed.
4. Confirm your request; the checkbook will be delivered to your registered address.
Branch Visit
1. Visit the branch and fill out a checkbook request form.
2. Submit it to the counter staff.
3. Collect the checkbook immediately (if available) or wait for delivery.
(For more details visit your bank counter 7)
 4. What is the process to open a joint account?
1. Choose Account Type:
o Decide on a savings or current joint account.
2. Visit the Branch:
o All applicants must visit the branch together.
o Collect and fill out the joint account application form.
3. Submit Documents:
o Provide ID and address proof for all applicants (Aadhaar, Passport, etc.).
o Include photographs and PAN cards.
4. Specify Account Mode:
o Decide how the account will operate (e.g., “Either or Survivor” or “Jointly”).
5. Deposit Initial Amount:
o Fund the account as per the minimum balance requirement.
6. Account Activation:
o Once verified, the account will be activated, and you will receive a welcome kit.
(For more details visit your bank counter 7)

5. How do I close my account?

Branch Visit
1. Visit your bank branch with ID proof.
2. Request an account closure form and fill it out.
3. Submit any unused checkbooks, debit cards, or passbooks.
4. Specify how you want the remaining balance (cash, DD, or transfer to another account).
5. The bank will process your request and close the account.
Things to Note
• Settle any outstanding loans or dues before closing.
• Confirm if there are account closure charges.
Would you like to know more about any of these processes?
(For more details visit your bank counter 7)

FAQs and General Queries

1. How can I switch my salary account to your bank?
To switch your salary account:
Step 1: Open a New Account
1. Visit your nearest branch or apply online to open a savings/salary account.
2. Submit required documents, such as ID proof, address proof, and employment details.
3. Collect your new account details (account number, IFSC, etc.).
Step 2: Notify Your Employer
1. Inform your employer’s HR or payroll department about the new account.
2. Provide them with a canceled check or a letter from the bank as proof.
Step 3: Transfer Balance
1. Transfer any remaining balance from the old account to the new account.
2. Close the old account if not needed.
Tip: Confirm the salary credit in your new account during the next payroll cycle.
 (For more details visit your bank counter 8)

2. What are the benefits of a savings account with your bank?

1. Interest on Balance: Earn interest on your deposited amount.
2. Ease of Access: Internet and mobile banking for transactions and account management.
3. Debit Card Benefits: Free debit card with access to ATMs nationwide.
4. Secure Transactions: Two-factor authentication and fraud detection systems.
5. Additional Features:
o Fixed and recurring deposit options.
o Loan and credit card eligibility.
o 24/7 customer support.
(For more details visit your bank counter 8)

3. What is the process to open a business account?

1. Choose Account Type:
o Decide on the type of business account based on your business structure (e.g., sole
proprietorship, partnership, company).
2. Visit the Branch:
o Visit your bank branch to inquire about the account type and collect the application
form.
3. Submit Required Documents:
o Business registration certificate.
o GST certificate (if applicable).
o ID and address proof of the business owner(s).
o Partnership deed or Memorandum of Association (if required).
4. Initial Deposit:
o Deposit the minimum balance as per the account requirement.
5. Account Activation:
o Once verified, the account is activated, and you receive a welcome kit, including a
checkbook and debit card.
Tip: Choose a bank with features like bulk payments, overdraft facilities, and cash
management for your business needs.
(For more details visit your bank counter 8)

4. How can I provide feedback or file a complaint?

Online
1. Log in to the bank’s website or mobile app.
2. Navigate to the “Feedback/Complaint” section.
3. Fill out the form with details of your feedback or issue.
Email or Helpline
1. Send an email to the bank’s official customer service address.
2. Call the helpline number to register your complaint or feedback.
Branch Visit
1. Visit the nearest branch and speak to the staff.
2. Fill out a feedback or complaint form, if required.
 Escalation
1. If unresolved, escalate the complaint to the Grievance Redressal Officer.
2. For further disputes, approach the Banking Ombudsman (applicable in many countries).
Would you like a deeper explanation for any of these points?
(For more details visit your bank counter 8)