ATM RuPay Debit Card

ATM RuPay Debit Card

 

Guidelines & Safety Tips for your RuPay Debit Card

BEFORE YOU BEGIN USING YOUR CARD...

  • Sign on the signature panel at the back of the card.
  • Memorize your PIN and destroy the PIN mailer.
  • Use your new card immediately at any ATM in the NFS network and change the system generated PIN to a new 4-digit number of your choice, it is recommended that your first transaction be made at an ATM of the The Nandura Urban Co.op.Bank Ltd., Nandura.

PIN SECURITY

  • Keep your PIN secret.
  • Do not write the PIN on your card.
  • Do not share your PIN with anybody (including family membersm your banker or any branch employee)
  • Change your PIN regularly, preferably every quarter.
  • Never let anyone see you enter your PIN, The safest measure is to ensure that you are alone in the ATN while you are conducting your transactions.
  • Always dip your EMV chip card to enjoy enhanced security for your transactions.
  • Not to swipe your EMV chip card at chip enabled terminals to ensure better security.
  • Avoid taking help from anybody under any circumstances at an ATM.

CARD SECURITY

  • Do not give your card to anyone.
  • Never leave your card unattended. Keep your card in a place where you will immediately know if it is missing.
  • Treat your card like you would treat your cash.
  • In case of loss of theft of your card, visit the nearest branch immediatly and request for the blocking of your card.
  • Remember that The Nandura Urban Co.op.Bank Ltd., Nandura Will never ask for any fiancial / personal / Debit Card related information via email. Hence, never respond to emails seeking such information. They may be fraudulent.

CARD SAFETY

  • Do not bend the card.
  • Do not remove or scratch the magnetic stripe behind the card.
  • If you have two cards, take care that magnetic stripes of the two cards do not rub against each other.
  • Keep your card away from sunlight.
  • Keep your card away from TV and magnetic product.

Using your RuPay Debit Card at an ATM

You can use your card at your own bank’s ATM or any bank’s ATM which is in the NFS network. Look for RuPay logo displayed at the ATM. This logo indicates that the ATM is in the NFS network. You can use your card at over 2.1 lac such ATMs across India.

Step 1: Insert your card into the slot provided. If the ATM has to dip reader, insert the card into the slot and pull it back. If the ATM has motorized card reader, your card will be retained in the ATM till the transaction is completed.

Step 2: The ATM will prompt you to select your preferred language.

Step 3: Next, the ATM will prompt you to enter your PIN.

Step 4: If your PIN is correct, you will be provided with a list of transaction options, viz,: fast Cash, Cash withdrawal, Balance Enquiry, Mini Statement, Change PIN. Select your desired transaction and follow the instructions.

Step 5: In case of cash withdrawals, your account with The Nandura Urban Co.op.Bank Ltd. Nandura will be debited online with the amount of withdrawal.

Step 6: After you finish the transaction at an ATM having a motorized card reader, collect your card as soon as it is ejected (within 30 seconds)or else it will be retained by the ATM. If your card gets retained, please contact the ATM linked branch or the card issuing branch

NOTE:.

  • You can withdraw cash minimum of Rs.100/- to the maximum limit prescribed for the type of your account. Please go throough the Tariff Sheet for the charges applicable.
  • Enter your PIN correctly in the ATM. If you enter a wrong PIN three times repeatedly, your card will get blocked for the day, In such a situation, contact the bank immediatly.
  • Bank will not be held responsible for any unauthorised transactions on the card.
  • Important: As per RBI mandate, any cash left behind in the ATM tray will not be taken back the ATM. Uncollected cash can be taken by the next person using the ATM. Bank will not be liable for any finacial loss.

Using your RuPay Debit Card at a Merchant Establishment

Step 1: Present your card at at the Merchant Establishment. Ensure that it displays RuPay logo.

Step 2: The merchant will swipe it at the POS terminal and enter the amount of your purchase.

Step 3:  You will presented with the PIN pad. Enter the smae PIN which you use at an ATM to withdraw money.

Step 4: The POS terminal will process your transaction by debiting your account with The Nandura Urban Co.op.Bank Ltd., Nandura with the purchase amount (subject to availability of funds in your account) and print a charge slip.

Step 5: Verify the amount on the charge slip and sign on the merchant copy.

Step 6: The merchant will return the customer copy of the charge slip and your card.

Usage of RuPay Debit Card for E-Commerce/Online Transactions for First Purchase Steps- (Online Registration) **

  • Open the merchant website, select the merchandise/sevices you want to purchase/avail. Click on Next/Checkout as given.
  • Select payment method as RuPay Debit Card.
  • In Payment Options- enter the cardholder details on the merchant page and submit the details,
  • RuPay Cardholder receives One Time Password on his mobile which is registered with the bank. Cardholder is redirected to OTP Page. He enters this OTP in the space provided.
  • Cardholder enters a pass phrase and selects an image from the image pages displayed to register his card for online transactions and clicks on ‘continue’ button.
  • Using mouse, click the digits of our ATM PIN on the scrambling PIN pad and click on ‘Submit’ button. Look of the PIN pad page will be exactly similar to the design of the ‘The Nandura Urban Co.op.,Bank Ltd., Nandura’ RuPay Debit Card.
  • After submitting the PIN, the cardholder would be notified about the success of the transaction. His card is now considered as “registered” for online transaction.

NOTE:

  • Card/Cardholder will be registered for online transactions only if the transaction is successful.

KNOW YOUR RUPAY DEBIT CARD

Personal Identification Number(PIN): Confidential 4-digit number for usnig your card at ATMs and POS terminals.

FRONT OF THE CARD

  1. Debit Card Number: This is your 16-digit Card Number. Please note that you are required to quote this number for all future correspondences with your bank.
  2. Your name: Only you are authorised to use your Debit Card. Please check that your name has been correctly printed on your RuPay Debit Card. If not, then please contact your branch at the earliest. (If your card is an Insta Card, there will be no name printed on it.)
  3. Expiry Date: Your RuPay Debit Card is valid from the day you receive it, up to the last day of the month of the year mentioned on the card.
  4. RuPay Logo: Your RuPay Debit Card is acceptable in India at ATMs and Merchant Establishments displaying RuPay logo.
  5. EMV Chip: The embedded chip in your RuPay Debit Card helps protection against counterfeiting and skimming card frauds.

BACK OF THE CARD

  • Magnetic Stripe: Important information pertaining to your RuPay Degit Card is encoded here. Please protect the magnetic stripe from getting damaged.
  • Signature Panel: Please sign on the signature panel immediately on receipt of your card with a non-erasable ball-point pen (preferably black ink)
  • CVD2: This is a 3-digit number present at the end of the signature panel on the back of the card. An added security feature for CNP (card-not-present) transactions. Cardholder needs to communicate this number for all e-commerce transactions.

Terms & Conditions

1. Bank reserves the right to approve or decline any transaction. The       card holder cannot later deny any instruction given for this card

2. Bank reserved the right to start new services  for the card or to         stop any existing service as and when required.

3. Bank reserved the right to change the Terms & Conditions of ATM    and POS services anytime.

CHARGES

 

Transactions

Financial

(Cash Withdrawal)

Non-financial

(balance enquiry, PIN Change, Mini Statement

The Nandura Urban Co.op.bank Ltd., Nandura ATM

Free

Free

Other bank’s ATM

First 3 transactions of the month(financial & non financial) in metro cities and first 5 transactions of the month (financial & non-financial) in non metro cities

Free

Free

Other bank’s ATM

After first 3 transactions and first 5 transactions in metro & non metro cities respectively in a month

Rs. 20 per transaction

(inclusive of service tax)

Rs.11 per transaction

(inclusive of service tax)

FEES*

 

Annual Fee

Rs.100

Additional Card (p.a)

Rs.100

PIN Replacement Fee

Rs.30

Card Replacemtn Fee

Rs.150

 

DAILY USAGE LIMITS

 

Cash Withdrawal Transaction Limit at ATM

 

Rs.25,000

Purchase Transaction Limit at Merchant Establisment**

Rs.50,000

 

*Service tax extra. **When enabled.