UCO Bank : Abridged Policies on IT Products

ATM - POLICY‌‌

ATMs (Automated Teller Machine) are an extension of branch network, to establish superior customer service with reduced cost. ATM provides the basic functionality of cash withdrawals and account balance enquiries, third Party Fund Transfer (Card to card & card to A/c), PIN Change etc.

1. Bank follows following Types of ATM deployment Model:

2. CAPEX Model: Ownership of machinery and Site (with bank's clause) will remain with the Bank.

3. OPEX Model: Initiated by the Bank: - Deployment of ATMs/CDs on Transaction Pricing Model (Outsourced) with end-to-end solution. Ownership of machinery and Site (with bank's clause) will remain with the vendor.

4. CPP Model: Initiated as per Ministry of Finance (MOF) Direction: - Department of Financial Services (DFS), GOI decided to augment the ATM network in all PSU Banks & RRBs through Centralised Procurement Process (CPP) where per transaction rates to be paid to the selected vendors.

5. Micro ATMs:-

   Micro ATMs will allow customers to perform basic financial transactions using their Aadhaar number and their biometric/OTP as identity proof (along with a Bank Identification Number for inter-bank transactions). The micro ATM will support the following financial transactions:

   • Deposit

   • Withdrawal

   • Funds transfer

   • Balance enquiry

   The Cash Dispenser/ATMs/Micro ATMs will have screens in English, Hindi and the regional language.

   Security arrangements at ATM premises will be followed as per the guidelines of Bank's "Security policy". In case of CDs/ATMs deployed through OPEX / CPP, deployment of guards shall be at the discretion of the vendor as asset does not belong to the bank.

6. Storage of Journal Print (JP) Log: Journal print outs will be available for at least 3 months with base branch.
7. DVR / CCTV camera footage / images : The captured footage/images of DVR/CCTV camera shall be available for 3 months.
8. ATM Facilities to persons with disabilities: Bank will provide ramps with all existing ATMs / future ATMs so that wheel chair users / persons with disabilities can easily access them. However, in cases where it is impracticable to provide such ramp facilities, reasons shall be recorded and displayed in

   branches or ATMs concerned. Bank shall make all new ATMs installed as talking ATMs with Braille keypads.

9. Acquiring Policy: The Bank will acquire both Debit Cards & Credit Card on the ATMs. Bank may become issuer & acquirer of Visa / RuPay / Mastercard / Maestro /Amex/Diner's club/ Discover Financial Services (DFS) transactions.
10. ATM Network Sharing Policy: Bank is member of National Financial switch (NFS) managed by National Payment Corporation of India (NPCI). If any other network is introduced Bank may opt as per business requirement.
11. On-Us ATM Transactions & Services at UCO Bank ATMs: First time users of UCO Bank Debit Card is required to change PIN of their choice at any UCO Bank ATMs.
12. Facilities in ATM/CD

13. Cash Withdrawal

14. Fast Cash

15. Balance Inquiry

16. PIN Change

17. Mini-Statement

18. Transfers

19. Payment of Direct Tax

20. Registration/De-Registration for Mobile Banking

21. Adhaar Number Seeding

22. PMJDY Overdraft facility

23. Remote-On-Us (Issuer transactions) ATM Transactions: The Bank will offer these minimum Not-On-Us ATM Transactions in case of shared networks:

24. Cash Withdrawal

25. The Per-Day withdrawal limit will be Rs.25, 000/- for all cards except Gold, Platinum & Signature Debit Cards.

26. The maximum allowable single withdrawal will be Rs. 10,000/- at other bank ATMs which may vary as mutually decided amongst the members of the shared network.

27. Balance Inquiry

28. PIN Change

29. Mini Statement

30. Card to card fund transfer (Subject to the certification by other bank for the service on NFS network).

31. Mobile Banking registration (Subject to the certification by other bank for the service on NFS network).

32. Not-On-Us (Acquirer transactions) ATM Transactions

    The Bank will offer these minimum Not-On-Us ATM Transactions in case of shared networks:

33. Cash Withdrawal

34. The transactions will be on-line to the customer's savings account, Current A/c or Over Draft Account (Staff).

35. The Per-Day withdrawal limit will be as per the card issuing bank.

36. The maximum allowable single withdrawal will be Rs. 10,000/- at UCO Bank ATMs which may vary as mutually decided amongst the members of the shared network.

37. Balance Inquiry

38. PIN Change

39. Mini Statement

40. Card to card fund transfer (Subject to the certification by other bank for the service on NFS network).

41. Mobile Banking registration (Subject to the certification by other bank for the service on NFS network).

42. Policy for redressal of Customer Complaints

43. Customer should lodge representation/ queries/ complaints, either at the card issuing branch or at the customer care centre.

    Nature of Complaint	Handling Mechanism
    Card lost / stolen / damaged / stuck in the machine	Branch / customer should contact Bank's Customer Care / Call Centre through toll free nos. / email.
    Amount debited from account but money not dispensed	Complaint pertaining to UCO Bank customers to be accepted through prescribed format at Branch, other bank customers to be advised to route their complaint through their card issuing bank branch.
    Partial amount dispensed	Complaint pertaining to UCO Bank customers to be accepted through prescribed format at Branch, other bank customers to be advised to route their complaint through their card issuing bank branch.
    Disputes regarding operations / service charges	Branch / Bank's Customer Care / Call Centre will handle such complaint.
    Complaint related to issuance of cards/ renewals/ duplicate cards, PIN Mailer,	Complaint to be lodged at Branch / Customer Care / Call Centre.

    *****End of Document****

    DEBIT CARD POLICY
44. Debit Card

    A debit card is a plastic card that provides the cardholder electronic access to his/her bank account(s). It is an instrument that can be used to:

    • Avail of banking services such as cash withdrawal, balance enquiry etc., from any ATM and Micro ATM.

    • Make payments to merchants against purchase, withdrawal of cash at POS or both within the prescribed limit by RBI at merchant outlets.

    • e-Commerce transactions.

45. Understanding a Debit Card.

46. Card Number: It is a 16 or 19 digit number linked to customer's bank account. First 6 digits represent Bank's identification no., next 4 digits represent Branch Sol ID. Remaining digits indicates serial number of the cards issued by that particular branch. Currently Bank issue debit cards with 16 digit length.

47. Name of the Person: Person authorized to use the card. This field is present only on personalized card.

48. Valid Date: It is in mm/yy format. The card is valid till the last day of the month.

49. Card Verification Value (CVV) /CVV2: A 03 (Three) digit number printed on the back side of every debit card. This is used for validation of online transactions.

50. Magnetic Strip: Important information regarding the debit card is stored in

    electronic format here and hence any kind of scratches or exposure to magnetic fields will cause damage to the card.

51. EMV Chip Card: EMV stands for Europay, MasterCard and Visa. EMV is a global standard for credit and debit payment cards based on chip card technology. EMV Chip Card protects against counterfeit (skimming) card fraud.
52. iCVV (Integrated Chip Card Card Verification Value) : is the code stored in the card's chip (EMV).
54. Personal Identification Number (PIN)

55. PIN is a four digit secret number/code which is given to the customer at the time of issuing a debit card for the purpose of security.