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Home / If I Cancle My Debit Card and Open It Again Does It Have All My Transaction

If I Cancle My Debit Card and Open It Again Does It Have All My Transaction

Glossary

  1. Bank:The Jammu & Kashmir Banking company Ltd.
  2. Card:ATM-cum-Debit Card named as "J&K Depository financial institution Global Debit Card", issued to the customer past J&One thousand Banking concern in clan with MasterCard International.
  3. Menu Holder:A client who has been issued a "J&Thousand Banking concern Global Debit Card".
  4. ATM:All Automated Teller Machines of J&G Bank Ltd equally well every bit other banks with the logo of MASTERCARD (Logo) (in India or abroad*) and NFS or both in India.
  5. PIN:The Bill of fare Holder is initially allotted a reckoner generated random 4- digit Personal Identification Number (Pin) in a secured and sealed Pivot mailer.
  6. Merchant Establishments (ME's):ME's shall include shops, stores, restaurants, hotels and commercial establishments, Etc. advertised as handling the cards by displaying MasterCard logo or past any other means.
  7. POS Terminals:Indicate of Sale terminals at ME site in Republic of india or abroad at which the customer can use his or her card later on entering the Pivot to make purchases past debiting his/her business relationship with the Bank.
  8. Designated Business relationship:Any variant of current Deposit Business relationship or Savings Banking concern business relationship (maintained past the Card Holder) with the Bank to which all the amounts authorized/dues payable by the card holder are to be debited.
  9. Customer Business Unit of measurement:The Business Unit of measurement at which the Card Holder maintains the designated account.
  10. International transaction:A transaction entered into by the Card Holder through his/her card exterior Republic of india at ATMs or POS terminals outside India.

Using Your "J&K Bank GLOBAL DEBIT CARD" for cash withdrawals from ATMs.

Step1
In club to enter the ATM room swipe your card (horizontally or vertically) with the magnetic stripe facing the slot depending on the position on the admission lock on the door of the ATM room. OR
Insert your menu into the slot depending on the position of the access lock. When the dark-green light glows, push the door and enter the ATM enclosure.

Step2
Insert your carte into ATM at the slot indicated. If the ATM is a dip-card ATM, dip the bill of fare into the slot and take it back.

Step3
Select the language English language, Hindi, Urdu in which you lot desire to interact with ATM. This selection may not be bachelor in all ATM'southward.

Step4
Side by side, the ATM volition prompt you to key in the Personal Identification Number (Pivot). Please take care to cardinal in the correct Pin. After the PIN is entered, the ATM process the information and if information technology is establish right guides you lot step by footstep for conducting transactions. (If the wrong Pivot is entered thrice; the menu will invalidated or even may be retained by the ATM. In the one-time case contact the concerned Carte du jour Issuing Business Unit. In example of memory contact both ATM custodians, Banking company/Business Unit where the card has been issued).

Step5
At this stage, options volition appear on the screen and y'all tin choose the appropriate selection amidst Fast Cash, Withdrawal, PIN Change and Mini Statements by pressing advisable push.

Step6
If you take no further transactions, please collect your card The Menu should exist nerveless every bit soon as it is ejected (within 30 seconds); or else the ATM will retract it. In such an event, delight contact the Business Unit at which you maintain your account (Non applicable for dip card ATM) In case of Dip Card ATMs,  y'all  volition  have  to  only  dip  the  card and  enter  your  Pin  for  each transaction.

Note:
i. All J&K  Bank  ATMs  have,  every bit  a  matter  of  policy,  maximum  greenbacks dispensing limit of  40000/ -per card per twenty-four hour period on use.
2. Y'all can likewise employ your "J&K Bank Global Debit Bill of fare" at ATMs,
a. Which are part of the MasterCardTM, network in Bharat and around the world Just expect for the MastercardTM logo at participating ATMs.
b. Which is role of the NFS (National Financial Switch) Network in Republic of india. (NFS   Networked ATM'south   tin also exist function of   the MasterCardTM Network and or of the VISATM Network).
Use of "J&Grand Banking company GLOBAL DEBIT CARD" on Bespeak of Auction Automobile (POS) Using  your  menu  for  making  payments  for  purchases  made  at merchant establishments displaying Maestro Logo through POS automobile.

Step1
MasterCard sign at the merchant institution indicates that you can shop by presenting your card.

Step2
After purchases, the One thousand E. dips your card in the POS terminal and keys in the purchase corporeality. Ensure transaction is carried in your presence and under no circumstances you should lose the sight of your bill of fare

Step3
You lot volition exist presented with PIN pad. Enter your confidential Pin ensuring, that others around practise not get to know your PIN.

Step4
In seconds, the terminal processes the transaction and prints the transaction receipt.

Step5
Bank check the amount on the transaction receipt and sign on it.

Step6
The transaction is at present complete. You will receive a re-create of the transaction receipt and your "J&K Depository financial institution Global Debit Card.

Of import Tips

TIP1
Avoid using ATM that looks unsafe or with suspicious persons moving around.

TIP2
Avoid opening your purse, bag or wallet while in queue at ATM site. Accept your carte du jour ready in your manus earlier you approach the ATM.

TIP3
Avert ATMs which have letters or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card.

TIP4
Be cautious when stranger offer you assist at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction.

TIP5
Ensure nobody watches you lot enter your Pin. (You may utilize the knuckle of your middle finger to key in the Pivot).

TIP6
Follow the instructions on the display screen, e.g. do not key in your PIN until the ATM requests you to practice and so.

TIP7
In case the ATM is non working properly, press the Cancel key and withdraw your menu Written report to the concerned Branch before proceeding to another ATM.

TIP8
Never force your carte du jour into the carte du jour slot.

TIP 9
If your bill of fare gets jammed, retained or lost, or if yous are interfered with at an ATM, report immediately to the nearest Business Unit of the bank or helpdesk.

TIP 10
Secure your card & greenbacks carefully (in your wallet, handbag or pocket) earlier leaving the ATM.

TIP xi
Memorize your Pin (if you lot need to write information technology down, exercise and so in a disguised way and never carry it with your card).

TIP 12
NEVER disclose your Pin to anyone.

TIPI3
Don t use obvious and guessable numbers for your Pin like your cell or vehicle number.

TIP xiv
Change your PlN periodically, and, if you think information technology may have been compromised, change information technology immediately.

TIP 15
Cheque   your   account   rest   and statements   regularly.   Study   any discrepancies to your bank immediately.

TIP16
Immediately after  receiving  your  card  from  the  Bank  please  sign  on  the signature console on the reverse of the Card to prevent whatsoever misuse.

TIP 17
The PIN used at ATM to withdraw coin and Merchant Establishments for purchases should be same.

TIP eighteen
In case of whatever transaction related issues like backlog debit, less cash dispensed or no greenbacks dispensed the customer should report to helpdesk/Business Unit immediately through phone, fax or mail not later on than 2 days after the date of transaction.

Applicability of Terms:
The terms form the contract between the Card Holder and The J&K Bank. The Bill of fare Holder is deemed to take the agreed and accepted the Terms by performing whatsoever of the beneath mentioned activities.

  1. By signing the Card Awarding Class.
  2. Past acknowledging the receipt of the Carte du jour.
  3. By signing the reverse of the card.
  4. By performing transaction with the card on ATM/POS automobile.

Personal Identification Number (Pivot):
The Pin is used for withdrawing cash at an ATM or for Purchasing Goods and Services at a Merchant Establishment through POS Car. It is advisable that the Card Holder in his/her own interest should modify the Pivot to any other four-digit number of his/her choice. For this purpose, he/she may utilize the PIN change option bachelor at J&Thou Bank'due south ATMs. The PIN should be safeguard carefully. Usage of incorrect PIN iii time would invalidate the card or even can exist retained by the ATM. While selecting a PIN, the card holder is advised to avert a Pin, which can be easily associated with him/her (e.1000. Telephone Number, DOB, Vehicle Registration Number etc.). Besides, the selected Pin value should non comprise:

  1. A sequence from the associated account numbers.
  2. String of the same number.
  3. Historically significant dates.

Since an unauthorized person can access the ATM services on the Carte Holder's account if he/she gains the possession of the Card and the PIN, the card should always remain in the Menu Holder'southward possession and should not be handed over to anyone else. The Bank bears no liability or responsibility for the unauthorized use of the Card. The responsibility is fully that of the Card Holder. The Pivot is sent in a Pin Mailer. Information technology is the Carte Holder's responsibility to ensure that the knowledge of the Pin/Pivot Mailer does non autumn into whatever other person's easily. (The Cardholder should alter the PIN immediately if it is accidentally divulged). The Pivot should not be written on the bill of fare or the pouch carrying information technology.

Loss of Card:
The Card Holder should immediately notify his/her Business Unit or J&G Banking company Toll Free Number1800 1800 234 (24*7), Helpdesk numbers+91-0194-2481936, +91-0194-2481953 or electronic mail usa athelpdesk@jkbmail.com

Or

By a letter or by a telephone call followed by confirmation in writing if the card is lost / stolen. Any financial loss arising out of unauthorized use of the Card till such time every bit the Bank hotlists the Card volition be to the Bill of fare Holder southward account. Fresh carte du jour volition be issued in replacement of lost/damaged Card at a fee of 200/-

Give up of the Card:
The Card beingness the Holding of J&Thousand Banking company should be returned to the Bank for cancellation, in the event the Cardholder no longer requires the service or if the services are withdrawn by the Banking concern due to whatever reason.

Debits to customer's account:
The bank has the authority to debit the designated business relationship of the Carte du jour Holder for all withdrawals affected by the Bill of fare Holder by using the Menu as evidenced past Bank'south records which volition be conclusive and binding on the Carte du jour Holder. The Carte du jour Holder authorizes the Bank to debit the designated account with service charges notified by the Depository financial institution from time to time.

Transactions:
The transaction record generated by the ATM or POS Machine volition be binding and conclusive unless verified otherwise and corrected by the Banking concern. The verified and the corrected corporeality volition be binding on the Carte du jour Holder.

Closing of Business relationship:
The Card Holder wishing to close the designated business relationship and give up the Debit Card will requite the Bank notice in writing and surrender the Card along with the detect.

Validity of the Carte:
The J&1000 Bank Personalized Global Debit Menu is valid for five years till the last day of the month embossed on the Card. If the Bill of fare is used after the decease, the ATM will reject it. Approach the concerned Card issuing Business Unit one calendar month earlier for fresh menu.

Specimen Signature of the Customer must tally:
The Carte Holder shall sign the Card on the reverse as per the specimen signature appearing on the Customer Human relationship/Account opening class or the latest signature of the Card Holder as per Banking concern'southward record.

Benefits of the Card:
The J&Thou Bank Personalized Global Debit Card can be accessed for the withdrawal of greenbacks from ATM, brand payments at Merchant Establishment and ascertain the information about the account balance through the use of Carte du jour at ATMS. The unique advantage in this specified bill of fare is that the Carte Holder can transact maximum of ₹forty,000/- cash from ATM per day and tin can brand payment for purchase upto ₹1,00,000/- per twenty-four hours at Merchant Establishment.

NOTE:-

  • The Menu Holder should carry out international transactions at ATMs or at POS strictly in accordance with the exchange control regulations and in the event of any failure to do so, the Carte du jour Holder is liable for action under FEMA. The Card Holder should fulfil and abide by all guidelines issued by the Reserve Depository financial institution of India and Government of India regarding international use of the Debit Card and strange currency transactions. The limit per transaction shall be every bit per guidelines in vogue for such transactions from time to time presently upto conversion value of ₹40,000/-. The conversion of foreign currency amount will be done at rates decided by various parties involved. The debit in the Card Holder's account will be in Indian Rupees. However the Cardholder shall ensure to draw foreign exchange strictly as per limits stock-still past RBI.
  • Non- completion of transaction due to bereft residual in the designated account at non J&K Depository financial institution ATM / POS (Merchant Institution) will concenter charges equally applicative to balance enquiry.
  • NFS Networked ATMs can also be function of the MasterCardTM Network as well and or VISATM network; in such a case, the NFS fee structure will be applicative.

Other of import conditions governing the transactions:

  • The Debit Card Service is meant for withdrawals against the balance already available in the designated account. Information technology is the Card Holder's obligation to maintain sufficient balance in the designated account to meet withdrawals and service charges.
  • The Banking company at its discretion may amend the terms & conditions governing ATM services from time to time every bit per requirements. The Carte Holders will exist notified of such changes, which volition be binding on the Menu Holder.
  • The Bank reserves the right to introduce new facilities or revoke sting facilities equally and when warranted, without assigning whatever reason for the same. Fee charged (if whatsoever) for the employ of the Carte du jour is not refundable nether any circumstances.
  • The Depository financial institution has the right to withdraw the privileges attached to the Card and to call upon the Carte Holder to surrender the Card through the Merchant Establishment, or their representatives or any other representative of the Banking company without assigning any reason.
  • Use of the Bill of fare shall be terminated without detect, upon the death, bankruptcy or insolvency of the Carte Holder or for other valid reasons or when the whereabouts of the Menu Holder go unknown to the Banking company due to any cause owing to the Bill of fare Holder.
  • The Depository financial institution is not responsible for the refusal by any ME to accept or laurels the Carte du jour, nor shall it be responsible in whatever respect for the goods or services supplied to the Bill of fare Holder. The Bill of fare Holder shall handle or resolve all claims or disputes straight with such Establishments and no claim by the Card Holder against the ME is subject to set-off or counter claim against the Bank The Bank will credit the Carte Holder s Account with the corporeality of refund merely upon receipt of a properly issued credit skid or cheque or draft from the ME.
  • The Bank volition non be responsible for furnishing original bills of the ME to the Card Holder.
  • The Card Holder will collect from the ME the Card Holder'southward copy of the transaction receipts and will preserve the same for his personal record. The Bank at its discretion will approve / pass up any carte transaction. The Card Holder should not countermand whatever lodge, which he/she has given past means of this card. The Bank shall not exist liable for any loss caused by a technical breakdown of the payment arrangement.
  • In case of failed transactions, the customer should report to the bank inside 30 days from the date of transaction so as to seek reimbursement or otherwise from the bank if applicative.
  • In case the Card holder disputes any transaction/s on ATM/POS terminal, the Bank shall me chargeback and retrieve the amount and restore to his/her business relationship. Even so on receiving representation from the concerned Banking company the funds so retrieved shall be adjusted by debit to
    cardholder account without any notice to him/her.
  • The Card is the property of the Depository financial institution and will be returned to the Bank by the Card Holder unconditionally and immediately upon request by the Depository financial institution. The Bank reserves the right to cancel the Card and finish its operations unilaterally without assigning any reason. The decision of the
    Bank is conclusive and bounden on the Card Holder.
  • The Bill of fare is not transferable
  • The Banking concern will not be liable for any deficiency in services or to perform whatsoever obligation in that location under where such failure is attributed, straight or indirectly to any malfunction of ATM, Network, Menu, POS ,SMS/electronic mail commitment, temporarily insufficiency of funds, whatsoever dispute or other circumstances across its control

Boosted/Withdrawal of Facilities
Depository financial institution may , at its discretion , make available to the Cardholder more services on the Card , ATMs , POS Terminals, Internet or otherwise and/or other devices through Shared Networks for the Cardholders convenience and apply. All fees and transactions related to transactions done by Menu holders at these devices, as determined by Bank will be recovered past a debit to the account linked with the Carte.

DISPUTES
Bank accepts no responsibility for refusal by whatsoever Merchant Establishment to accept and/or laurels the Card In case of disputes pertaining to a transaction with Merchant Establishment a charge/sales sideslip with the signature of the cardholder together with the card number noted thereon shall exist conclusive evidence as between the Bank and the Cardholder as to the extent of liability incurred by the Card Holder and the Banking concern. In case the Cardholder has whatever disputes in respect of any charge indicated in the Account statement, the Cardholder communicate communication details to the Bank inside xv days of the account argument date, failing which it will exist construed that all charges are acceptable and in club. Any dispute in respect of a shared network, ATM transactions will be resolved as per VISA/MasterCard regulations and Bank does non accept responsibilities for whatever dealings the cardholder may have with the shared network.

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Source: https://www.jkbank.com/transactions/services/debitCards.php