foreign atm or pos fee exchange fee citizens bank

Foreign Currency Conversion (SVC CHG INTRNTL TRAN) 3% of transaction amount after conversion. ATM Fees: When you use an ATM, you may be charged a fee by the. difference between acceptance of ATM and POS bank technologies by customers while high transaction fees and high fraud risks decreases the usage rate. ATM Transactions with Cash Cards exchange of the Bank of Japan, was established in 1891. Regular payments (credit card charge, utilities, taxes.

Foreign atm or pos fee exchange fee citizens bank -

POS Charges and Fees: Point-of-Sale Overview

When the term POS appears on your bank statements or your online transaction history, it often refers to a purchase you made with your debit card. That label might indicate the amount you paid a merchant, or it might signal that you were charged additional fees for using your card.

POS Charges

If you’re trying to figure out what a transaction in your account history means, it probably refers to a purchase you made in-person at a retailer.

Point-of-Sale Systems

A point-of-sale (POS) system is a combination of devices and software programs that help with processing transactions. They can be as simple as a checkout register, or they may be more complicated programs that integrate with other systems (like card payment networks). Retailers and online merchants use POS systems to accept payments and manage their businesses.

Debit Card Purchases

Charges that show up with “POS” are typically a result of using your debit card. Most likely, you chose “Debit” at checkout and entered your PIN on the retailer’s payment machine (as opposed to choosing “Credit” and signing for the purchase). That said, both online purchases and in-person transactions can result in POS appearing on your statement.

Unauthorized Charges

If you see charges that you don’t recognize, research the transaction as soon as possible. POS charges mean that somebody bought something using your card, and they are typically not automatic recurring bills.

Identifying Charges

The name of the vendor or merchant should appear alongside any charges. However, sometimes the name isn’t helpful—the business might use a different name than the one you think of, and abbreviations add to the problem.

If you see something you don’t recognize, do a web search for the exact name you see in your transaction history. In many cases, you’ll find a more helpful description because others have wondered the same thing. If you’re still stumped, look back through your calendar and think back to all of the spending you’ve done. Ideally, that will help you verify if you’re responsible for the charge.

Fraud in Your Account

Contact your bank within two days of discovering any suspicious charges—if you wait too long (more than 60 days), you may be fully responsible for paying the bill.

If somebody uses your card without your permission, you generally have the right to get those charges reversed. But you have to act fast. Federal law says that you’re not responsible for certain types of fraud and errors in your bank account.

Credit Cards Are Safest

For everyday spending and online shopping, a credit card is safer than a debit card.

Debit cards pull funds directly from your checking account, so fraud and mistakes can instantly drain the account. When that happens, you run out of spending money, bounce payments, and face penalty fees. Credit cards, on the other hand, have a grace period, which allows you to pay for charges up to one month later (or more, if you want to pay interest—which is best to avoid). Getting credit card mistakes cleared up just means you’ll temporarily have a higher credit card bill, but your checking account will be untouched.

Additional POS Fees

A POS charge can also be an additional fee that your bank charges when you use your debit card. If you choose “Debit” at checkout and use your PIN, banks sometimes charge an extra fee. That charge is usually around one dollar or less.

Not all banks charge POS service fees. Read the fine print at your bank before using your card. If your bank charges fees, you have several options:

  • Use a different bank. It’s increasingly rare for banks to charge these types of fees, so there’s a good chance you can find another bank that costs less. You can even keep your existing account and open an online checking account (which includes a debit card), enabling you to use plastic for free. Small, local credit unions are also a good bet.
  • Choose “Credit” instead. Banks earn less income when you choose “Debit” at checkout, so some try to make up for it by adding a fee. The fee may be minor, but it gives you a nudge to choose “Credit” next time. However, retailers may end up paying extra when you do that, making it harder for your favorite stores to stay in business and offer low prices.

Unless you use cash or checks, somebody always pays a fee for processing card payments.

Banks and card processing networks charge swipe fees to retailers when you pay with plastic. The fees are lowest when you choose “Debit,” which retailers appreciate. If you choose “Credit” instead, retailers pay higher fees (so that you don’t have to), but you should expect those retailers to pass the costs on to you in the form of higher prices. Merchants even pay fees when you pay with electronic bank transfers.

For more details on the debit vs. credit decision, see How Interchange Fees Work.

Retailers Charging Fees?

Some retailers don’t build those fees into their pricing. Instead, they prefer to charge higher prices only to customers who create extra costs: those customers who pay through the more expensive credit card networks. For example, a merchant might charge a credit card surcharge to customers who pay with credit, or they might impose a minimum purchase requirement for credit card payments.

Is That Legal? 

Surcharges and minimum purchase requirements are allowed in some states. But merchants sometimes charge consumers more than they're allowed to, and they may set minimums when they're not supposed to. Even when merchants aren’t breaking the law, they might break the rules established by their payment processor.

To learn more about your rights when paying with plastic, read about credit card surcharges (and minimums) and debit card minimums.

Frequently Asked Questions (FAQs)

How do you protect yourself from unauthorized charges?

While credit cards are somewhat safer than debit cards, there's still the possibility of unauthorized charges. To protect yourself, don't lend your card out, even to someone you trust. Review your credit card statements to check for unauthorized charges, and consider setting up alerts so you're contacted about your credit card purchases. If you see anything you don't recognize, you can investigate immediately.

What are credit card surcharges?

Credit card surcharges are fees that merchants add to credit card purchases to make up for the processing costs involved in accepting credit cards. Retailers are required to disclose that there are surcharges and how much those surcharges are. Retailers are also allowed to set minimum purchase requirements for using credit cards as a result of the Dodd-Frank Act.

Источник: https://www.thebalance.com/pos-fees-definition-point-of-sale-fees-315345

Common Service Charges

Mode of calculation of minimum Monthly average balance (MAB)MAB is the simple average of day-end balances for a calendar monthIssue of Duplicate StatementRs.100 per statement at branch or Customer Care (non-IVR), Rs. 50 per statement through Net bankingIssue of pass bookNil on request at base branch where account is maintainedIssue of duplicate pass bookRs 100 for issuance and Rs 25 per page for updationIssue of loose cheque leavesRs 125 for cheque book of 5 leaves (Rs 25 per leaf)Remittance Facilities through own bankDD- IssueRs.50 per D.D. up to Rs.10,000;Rs.5 per thousand rupees or part thereof for DD of more than Rs.10,000, subject to a minimum of Rs.75 and maximum of Rs. 15,000DD- Issue by deposit of cashRs.5 per thousand rupees or part thereof, subject to a minimum of Rs.100 and maximum of Rs. 15000DD - Cancellation / Duplicate / RevalidationFor Instrument value upto Rs.200 – Nil
For Instrument value above Rs.200 - Rs.100PO-IssueRs.50 for PO of upto Rs.10,000, For PO above Rs.10,000- Rs.5 per thousand rupees or part thereof, subject to a minimum of Rs.75 and maximum of Rs.15000

For Senior Citizen, Student & Rural locations : For amounts upto Rs.10,000– Rs.40, For amounts above Rs.10,000 till Rs.50,000 – Rs.60, For amounts above Rs.50,000– Rs.5 per thousand rupees or part thereof (maximum of Rs.15,000)PO - Issue by deposit of cashRs.150 per PO for amounts up to Rs.50,000, For PO above Rs. 50,000 Rs.5 per thousand rupees or part thereof, subject to a minimum of Rs.150 and maximum of Rs.15000PO - Cancellation / Duplicate / RevalidationFor Instrument value upto Rs.200 – Nil
For Instrument value above Rs.200 - Rs.100NEFT Charges - InwardNilNEFT Charges - OutwardThrough Online Channel – Nil
Through Branch Channel -
Up to Rs 10,000 – Rs 2.25 per transaction
Rs 10,001 to Rs 1 lakh – Rs 4.75 per transaction
Above Rs 1 lakh to Rs 2 lakh – Rs 14.75 per transaction
Above Rs 2 lakh and up to Rs 10 lakh – Rs 24.75 per transactionRTGS-OutwardThrough Online Channel – Nil
Through Branch Channel –
Rs 2 lakh to Rs 5 lakh – Rs 20 per transaction
Above Rs 5 lakh - Rs 45 per transactionRTGS-InwardNilIMPS-Outward

Upto Rs.1 lakh – Rs. 5 per transaction
Rs. 1 lakh to Rs. 2 lakhs – Rs. 15 per transaction
( Max limit per transaction - Rs. 2 lakhs)

IMPS-InwardNilUPI transaction chargesNilRemittance Facilities through other bankDD- IssueRs. 50 per DD for amounts upto Rs.10,000;
For DD above Rs.10,000 - Rs.5 per thousand rupees or part thereof subject to minimum of Rs. 75
and maximum of Rs. 15000

For Rural locations - For amounts upto Rs.10,000-Rs.40, For amounts above Rs.10,000 till Rs.50,000-Rs.60, For amounts above Rs.50,000-Rs.5 per thousand or part thereof (maximum of Rs.15,000)DD- Issue by deposit of cashRs.5 per thousand rupees or part thereof, subject to minimum of Rs.100 and maximum of Rs. 15000DD - Cancellation / Duplicate / RevalidationRs 100 per DDAdditional charges for DD issued on Correspondent Banks when the amount of DD purchased by a single purchaser in a day at a single location exceeds certain limits:DD greater than Rs. 10 lac, payable at semi-urban locationRe. 1 per thousand rupeesDD greater than Rs. 20 lac, payable at urban locationRe. 1 per thousand rupeesDD greater than Rs. 50 lac, payable at RBI centresRe. 1 per thousand rupeesEFT Charges- inwardNilEFT Charges- outwardNilECS chargesECS / NACH ReturnRs 500 per instance for financial reasonsECS Credit ReturnsNilCharges for certifying or verifying customer mandatesNilCheque Collection LocalNilCheque ReturnsCheque Return OutwardRs 200 per instance for financial reasonsCheque Return InwardRs 500 per instance for financial reasons.
Rs 50 per instance for non-financial reasons except for signature verification.Outstation cheque deposited by customerRs.150 plus other bank charges at actuals per chequeDebit CardEnrolment feeFor Coral Debit Card Joining Fee of Rs. 499 and annual fee of Rs. 499
Nil For All Other Debit CardsLate Payment ChargesNAReplacement Card fees (Lost / Damaged card)Rs 200 per cardSurcharge on Fuel purchasesFor more details, please check Important Notice section on Debit CardDebit Card PIN re-generation ChargesRs. 25. [Not applicable if request through Instapin at Branch / Customer Care (IVR)]Decline of transaction at other bank ATMs or point of sale (POS) due to insufficient balance in the accountRs. 25 per transactionDebit Card de - hotlistingRs. 100 per request Balance CertificateRs. 50 per certificate for balance in Savings Account and Fixed Deposit AccountRs.100 per certificate for balance in INR and the equivalent amount in USD in Savings Account and Fixed Deposit AccountInterest CertificateRs 50 per certificate for more than one copy for a financial yearAccount closureNil for closure within 30 days of account opening, Rs.500 for closure during 31 days to one year, Nil after one year of account openingRetrival of old transactional documents / Enquiries related to old recordsUpto 1 year old Rs 50/- per record; More than 1 year old Rs 100/- per recordUse of Fax/Telephone/ModemRs 100 or actuals whichever is higherPhoto attestationRs 100 per application/letterSignature attestationRs 50 per application/letterAddress confirmationRs.50 per requestInoperative accountNilPenalty on Deposit of cash in collector boxA charge of Rs. 100/- will be levied. The charge will be Rs. 300/- in case the deposit amount is above Rs. 500/-. Repeat instances of cash deposits through cheque drop box will attract an enhanced charge of Rs. 500/- for any amount. For any other exceptional transactions which are not part of the services offered by ICICI Bank, a charge will be levied as specified by the bank from time to timeStop Payment chargesParticular cheque - Rs.100
Range of cheques - Rs.200
(Free through customer care IVR & Net banking)Lien marking and unmarking of savings accountRs.50 for marking of lien. Rs. 50 for unmarking of lienReissue of Internet user id or password (Branch or non IVR Customer Care)Rs.50 per requestStanding InstructionsSetting-up-chargeRs. 150 per standing instructionAmendment chargeRs 25 per amendmentExecution charge involving payment through DD/PO, etc.As per remittance, plus Rs. 25 towards out-of -pocket expenses(Note: Setting-up charges,amendment charges and excution charges are not applicable in the case of standing Instructions for transfer from one account of ICICI Bank to another account of ICICI Bank whether the two accounts belong to the same person or to different persons.)Standing Instructions RejectionRs 200 per instanceAddress change request at branchesRs 50 per instanceDeliverable returned by courierAny deliverable returned by courier due to consignee or address specific reasons (no such consignee/ consignee shifted and no such address, etc.) – Rs 50 per instanceDeliverables at branchesAny deliverable not picked up (within the stipulated time) - Rs 50 per instanceNational Automated Clearing House (NACH) Mandate. One time mandate authorisation charges (physical/online).Rs 100 per mandateCash deposit charges - Cash Acceptor/Recycler machinesEffective November 1, 2020, charges of Rs 50 per transaction, will be levied on cash deposited in the Cash Acceptor/Recycler machines on bank holidays and between 06:00 p.m. and 08:00 a.m. on working days. The charges would be applicable if the cash deposit in the Cash Acceptor/Recycler machines on bank holidays and between 6 pm and 8 am on working days exceeds Rs 10,000 per month either as a single transaction or multiple transactions.

Cash deposit charges will not be applicable to Senior Citizens, Basic Savings Bank Account, Jandhan Accounts, Accounts held by incapacitated and visually impaired persons, Student Accounts or any other Accounts identified by ICICI Bank.LockersType of Locker
Metro / Urban / Semi UrbanRural
Locker rates vary for different branches, hence customers are requested to get in touch with respective branch
Источник: https://www.icicibank.com/service-charges/common-service-charges.page

Glossary

  1. Bank: The Jammu & Kashmir Bank Ltd.
  2. Card: ATM-cum-Debit Card named as "J&K Bank Global Debit Card", issued to the customer by J&K Bank in association with MasterCard International.
  3. Card Holder: A customer who has been issued a "J&K Bank Global Debit Card”.
  4. ATM: All Automated Teller Machines of J&K Bank Ltd as well as other banks with the logo of MASTERCARD (Logo) (in India or abroad*) and NFS or both in India.
  5. PIN: The Card Holder is initially allotted a computer generated random 4- digit Personal Identification Number (PIN) in a secured and sealed PIN 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 by any other means.
  7. POS Terminals: Point of Sale terminals at ME site in India or abroad at which the customer can use his or her card after entering the PIN to make purchases by debiting his/her account with the Bank.
  8. Designated Account: Any variant of current Deposit Account or Savings Bank account (maintained by 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: The Business Unit at which the Card Holder maintains the designated account.
  10. International transaction: A transaction entered into by the Card Holder through his/her card outside India at ATMs or POS terminals outside India.

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

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

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

Step3
Select the language English, Hindi, Urdu in which you desire to interact with ATM. This option may not be available in all ATM’s.

Step4
Next, the ATM will prompt you to key in the Personal Identification Number (PIN). Please take care to key in the correct PIN. After the PIN is entered, the ATM process the information and if it is found correct guides you step by step for conducting transactions. (If the wrong PIN is entered thrice; the card will invalidated or even may be retained by the ATM. In the former case contact the concerned Card Issuing Business Unit. In case of retention contact both ATM custodians, Bank/Business Unit where the card has been issued).

Step5
At this stage, options will appear on the screen and you can choose the appropriate option amongst Fast Cash, Withdrawal, PIN Change and Mini Statements by pressing appropriate push button.

Step6
If you have no further transactions, please collect your card The Card should be collected as soon as it is ejected (within 30 seconds); or else the ATM will retract it. In such an event, please contact the Business Unit at which you maintain your account (Not applicable for dip card ATM) In case of Dip Card ATMs,  you  will  have  to  only  dip  the  card and  enter  your  PIN  for  each transaction.

Note:
i. All J&K  Bank  ATMs  have,  as  a  matter  of  policy,  maximum  cash dispensing limit of  40000/ -per card per day on use.
ii. You can also use your "J&K Bank Global Debit Card" at ATMs,
a. Which are part of the MasterCardTM,  network in India and around the world Just look for the MastercardTM  logo at participating ATMs.
b. Which is part of the NFS (National Financial Switch) Network in India. (NFS   Networked ATM’s   can also be part of   the MasterCardTM Network and or of the VISATM Network).
Use of "J&K Bank GLOBAL DEBIT CARD" on Point of Sale Machine (POS) Using  your  card  for  making  payments  for  purchases  made  at merchant establishments displaying Maestro Logo  through POS machine.

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

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

Step3
You will be presented with PIN pad. Enter your confidential PIN ensuring, that others around do not get to know your PIN.

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

Step5
Check the amount on the transaction receipt and sign on it.

Step6
The transaction is now complete. You will receive a copy of the transaction receipt and your "J&K Bank Global Debit Card.

Important 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. Have your card ready in your hand before you approach the ATM.

TIP3
Avoid ATMs which have messages 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 help at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction.

TIP5
Ensure nobody watches you enter your PIN. (You may use the knuckle of your middle finger to key in the PIN).

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

TIP7
In case the ATM is not working properly, press the Cancel key and withdraw your card Report to the concerned Branch before proceeding to another ATM.

TIP8
Never force your card into the card slot.

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

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

TIP 11
Memorize your PIN (if you need to write it down, do so in a disguised manner 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 14
Change your PlN periodically, and, if you think it may have been compromised, change it immediately.

TIP 15
Check   your   account   balance   and statements   regularly.   Report   any discrepancies to your bank immediately.

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

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

TIP 18
In case of any transaction related issues like excess debit, less cash dispensed or no cash dispensed the customer should report to helpdesk/Business Unit immediately through phone, fax or mail not later 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 Card Holder is deemed to have the agreed and accepted the Terms by performing any of the below mentioned activities.

  1. By signing the Card Application Form.
  2. By acknowledging the receipt of the Card.
  3. By signing the reverse of the card.
  4. By performing transaction with the card on ATM/POS machine.

Personal Identification Number (PIN):
The PIN is used for withdrawing cash at an ATM or for Purchasing Goods and Services at a Merchant Establishment through POS Machine. It is advisable that the Card Holder in his/her own interest should change the PIN to any other four-digit number of his/her choice. For this purpose, he/she may use the PIN change option available at J&K Bank’s ATMs. The PIN should be safeguard carefully. Usage of wrong PIN three time would invalidate the card or even can be retained by the ATM. While selecting a PIN, the card holder is advised to avoid a PIN, which can be easily associated with him/her (e.g. Telephone Number, DOB, Vehicle Registration Number etc.). Besides, the selected PIN value should not 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 Card Holder’s account if he/she gains the possession of the Card and the PIN, the card should always remain in the Card Holder’s 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 PIN is sent in a Pin Mailer. It is the Card Holder's responsibility to ensure that the knowledge of the PIN/PIN Mailer does not fall into any other person's hands. (The Cardholder should change the PIN immediately if it is accidentally divulged). The PIN should not be written on the card or the pouch carrying it.

Loss of Card:
The Card Holder should immediately notify his/her Business Unit or J&K Bank Toll Free Number 1800 1800 234 (24*7), Helpdesk numbers +91-0194-2481936, +91-0194-2481953 or email us at [email protected]

Or

By a letter or by a phone 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 as the Bank hotlists the Card will be to the Card Holder s account. Fresh card will be issued in replacement of lost/damaged Card at a fee of 200/-

Surrender of the Card:
The Card being the Property of J&K Bank 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 Bank due to any reason.

Debits to customer’s account:
The bank has the authority to debit the designated account of the Card Holder for all withdrawals affected by the Card Holder by using the Card as evidenced by Bank’s records which will be conclusive and binding on the Card Holder. The Card Holder authorizes the Bank to debit the designated account with service charges notified by the Bank from time to time.

Transactions:
The transaction record generated by the ATM or POS Machine will be binding and conclusive unless verified otherwise and corrected by the Bank. The verified and the corrected amount will be binding on the Card Holder.

Closing of Account:
The Card Holder wishing to close the designated account and surrender the Debit Card will give the Bank notice in writing and surrender the Card along with the notice.

Validity of the Card:
The J&K Bank Personalized Global Debit Card is valid for five years till the last day of the month embossed on the Card. If the Card is used after the expiry, the ATM will reject it. Approach the concerned Card issuing Business Unit one month earlier for fresh card.

Specimen Signature of the Customer must tally:
The Card Holder shall sign the Card on the reverse as per the specimen signature appearing on the Customer Relationship/Account opening form or the latest signature of the Card Holder as per Bank’s record.

Benefits of the Card:
The J&K Bank Personalized Global Debit Card can be accessed for the withdrawal of cash from ATM, make payments at Merchant Establishment and ascertain the information about the account balance through the use of Card at ATMS. The unique advantage in this specified card is that the Card Holder can transact maximum of ₹40,000/- cash from ATM per day and can make payment for purchase upto ₹1,00,000/- per day at Merchant Establishment.

NOTE:-

  • The Card 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 Card Holder is liable for action under FEMA. The Card Holder should fulfil and abide by all guidelines issued by the Reserve Bank of India and Government of India regarding international use of the Debit Card and foreign currency transactions. The limit per transaction shall be as 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 fixed by RBI.
  • Non- completion of transaction due to insufficient balance in the designated account at non J&K Bank ATM / POS (Merchant Establishment) will attract charges as applicable to balance enquiry.
  • NFS Networked ATMs can also be part of the MasterCardTM Network as well and or VISATM network; in such a case, the NFS fee structure will be applicable.

Other important conditions governing the transactions:

  • The Debit Card Service is meant for withdrawals against the balance already available in the designated account. It is the Card Holder’s obligation to maintain sufficient balance in the designated account to meet withdrawals and service charges.
  • The Bank at its discretion may amend the terms & conditions governing ATM services from time to time as per requirements. The Card Holders will be notified of such changes, which will be binding on the Card Holder.
  • The Bank reserves the right to introduce new facilities or revoke sting facilities as and when warranted, without assigning any reason for the same. Fee charged (if any) for the use of the Card is not refundable under any circumstances.
  • The Bank has the right to withdraw the privileges attached to the Card and to call upon the Card Holder to surrender the Card through the Merchant Establishment, or their representatives or any other representative of the Bank without assigning any reason.
  • Use of the Card shall be terminated without notice, upon the death, bankruptcy or insolvency of the Card Holder or for other valid reasons or when the whereabouts of the Card Holder become unknown to the Bank due to any cause attributable to the Card Holder.
  • The Bank is not responsible for the refusal by any ME to accept or honor the Card, nor shall it be responsible in any respect for the goods or services supplied to the Card Holder. The Card Holder shall handle or resolve all claims or disputes directly 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 Card Holder s Account with the amount of refund only upon receipt of a properly issued credit slip or cheque or draft from the ME.
  • The Bank will not be responsible for furnishing original bills of the ME to the Card Holder.
  • The Card Holder will collect from the ME the Card Holder's copy of the transaction receipts and will preserve the same for his personal record. The Bank at its discretion will approve / reject any card transaction. The Card Holder should not countermand any order, which he/she has given by means of this card. The Bank shall not be liable for any loss caused by a technical breakdown of the payment system.
  • In case of failed transactions, the customer should report to the bank within 30 days from the date of transaction so as to seek reimbursement or otherwise from the bank if applicable.
  • 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 account. However on receiving representation from the concerned Bank 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 Bank and will be returned to the Bank by the Card Holder unconditionally and immediately upon request by the Bank. The Bank reserves the right to cancel the Card and stop its operations unilaterally without assigning any reason. The decision of the
    Bank is conclusive and binding on the Card Holder.
  • The Card is non transferable
  • The Bank will not be liable for any deficiency in services or to perform any obligation there under where such failure is attributed, directly or indirectly to any malfunction of ATM, Network, Card, POS ,SMS/email delivery, temporarily insufficiency of funds, any dispute or other circumstances beyond its control

Additional/Withdrawal of Facilities
Bank 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 use. All fees and transactions related to transactions done by Card holders at these devices, as determined by Bank will be recovered by a debit to the account linked with the Card.

DISPUTES
Bank accepts no responsibility for refusal by any Merchant Establishment to accept and/or honor the Card In case of disputes pertaining to a transaction with Merchant Establishment a charge/sales slip with the signature of the cardholder together with the card number noted thereon shall be conclusive evidence as between the Bank and the Cardholder as to the extent of liability incurred by the Card Holder and the Bank. In case the Cardholder has any disputes in respect of any charge indicated in the Account statement, the Cardholder communicate advice details to the Bank within 15 days of the account statement date, failing which it will be construed that all charges are acceptable and in order. Any dispute in respect of a shared network, ATM transactions will be resolved as per VISA/MasterCard regulations and Bank does not accept responsibilities for any dealings the cardholder may have with the shared network.

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

Retail Services Tariff

CASH

Cash OrderCollected at the branchManual  1/2% (Rs. 5,000/- Minimum)Delivered at customer location through approved transport agentManual 1/2% (Rs. 5,000/- Minimum + charges of transport agent)Counter Withdrawal Charges

Below Rs. 200,000/-

(Excluding Senior Citizens Scheme Accounts)AutoRs. 15/-Utility Bill PaymentUtility Bill Payment - CounterAutoRs. 35/- per Utility Bill

CURRENT ACCOUNT

Issuance

Cheque Books

AutoRs. 20/- per leafContinuous Cheque LeavesAuto / Manual Rs. 20/- per leaf + printing chargesService FeePremier Current Accounts -
Average monthly credit balance below Rs.200,000-Auto 

Rs. 600 per month   

*w.e.f. 01/10/2021

Personal Accounts - Average Dr/Cr balance below Rs.10,000/-

(Excl. Senior Citizens Scheme Accounts)

Auto Rs. 200/- per month Account MaintenanceOther than Personal Accounts - Average Dr/Cr balance below Rs.25,000/-AutoRs. 300/- per month Conversion of Account from Active to Dormant (One off Fee)AutoRs. 50/-

Statement

MonthlyN/AFree of ChargeWeeklyAutoRs. 1,000/- per monthDailyAutoRs. 2,000/- per month E-Statement any frequencyN/AFree of Charge

Undelivered Statement

Fee for Undelivered Current Account Statements

Manual

 Rs. 250/-

Stop Payments

Placement of stop paymentAuto  

With funds - Rs. 2,000/-

Without Funds Rs. 4,000/-

Loss of Cheque bookAuto   Rs. 3,000/- per book or series in excess of 5 leavesCancellation of Stop PaymentAuto   Rs. 500/- per Cheque or series of 5 leavesOther Service Closure of current account Auto Rs. 1,000/- Closure of Current Account for Unsatisfactory conductManualRs. 1,000/- 

CLEARING

Cheque Returns

Outward - RD/ENRAuto  Rs. 4,000/-Outward - Other (Technical errors)Auto Rs. 500/-Inward (where either Bank has not made a mistake)Auto

Rs. 100/- (including postage)

Rs. 50/- for SME Customers

Additional charge for collecting by handManualRs. 1000/- per month

Mark for Payment

Presented by us to other banksAutoRs. 4,000/-Presented to us by other banksManualRs. 2,000/-

Post Dated Cheques

Handling Charges for customers with POD against PD chequesN/AFree of ChargeHandling Charges for customers without facilitiesManualRs. 50/- per Cheque

Local Bills Cheques Purchase

Customers with limitsManualIn accordance with facility approvalCustomers without limitsAuto0.75% of the value of the cheque or Rs.1,000 per cheque whichever is higher

FIXED DEPOSIT

Other FeeDuplicate FD receiptManualRs. 3,000/-

SAVINGS ACCOUNT

Pass BookReplacement due to loss of Pass BookManualRs. 500/-ClosureClosure of savings accountAutoRs. 500/-Account MaintenanceDormant Below Rs. 5,000/-AutoRs. 50/- per monthConversion of Account from Active to DormantAutoRs. 50/-

Savings Account Service Charge

(Excluding Minor Accounts)

Auto

Average Balance:

  • below Rs. 1,000 - Rs. 35/- per month 
  • Rs. 1,000/- to Rs. 2,000 - Rs.30/- per month
  • Rs. 2,000/- to Rs. 3,000 - Rs.5/- per month

STANDING ORDERS

Set-upSetting up fee (Exempt for Savings build up)AutoRs. 250/- per Standing Order ExecutionFund transfer within HNBN/AFree of ChargeFund transfer to an account at any bankAutoRs. 50/- per transactionFund transfer by Pay OrderAutoRs. 300/- per remittanceMaintenanceAmendments/Cancelation - (Amendment from and to accounts within HNB exempted)AutoRs. 100/- 

OUTWARD REMITTANCES - LOCAL (Effective Date : 01-01-2021)

Cheque on SelvesIssuance - A/c DebitAutoRs. 500/-Issuance - Other (Cash)AutoRs. 1,000/-Re-issuance CustomerAuto/ManualRs. 500/-Cancellation - CustomersManual    Rs. 500/-Cancellation - Non CustomersManualRs. 750/-

RTGS

Per Transfer

AutoRs. 400/-Manual Fund Transfer

Within HNB - Single txn

AutoRs. 150/-

Within HNB - Multiple Trxn (Including - Cheque with multiple Credits)

AutoRs. 150/- per beneficiary

SAFE DEPOSIT LOCKERS (MINIMUM SECURITY DEPOSIT - RS.50,000-)

Annual RentalSmall S/ORs. 4,000/- + VAT per annumMediumS/ORs. 5,000/- + VAT per annumLargeS/ORs. 7,500/- + VAT per annumExtra largeS/ORs. 10,000/- + VAT per annumStaff  (Deposit not required)S/O50% of fee + VAT per annumReplacement of Lock/KeyManualActual cost

E BANKING

Maintenance

Retail Customers (Internet Banking/Digital Banking)AutoRs. 500/- per annum charged biannuallyCorporate CustomersAutoRs. 1000/- for 4 corporate users per annum. Each additional user Rs.200/-USSD RegistrationAutoRs. 200/- per annumHardware TokenAuto

Rs. 3,500/- per Token

(If the customer requests to courier the token overseas, the actual courier charge has to be borne by the customer.)

Transactions (Effective Date: 01-01-2021)

CEFTS/Transfers through:

i. E-Banking
ii. Mobile Banking
iii. ATMs of respective member of CEFTS

AutoRs. 30/- max. per transactionCEFTS Transfer over the counterAutoRs. 100/- max. per transactionFund transfer through ATM of other members of CEFTSAutoRs. 100/- max. per transactionPayment to IRD – Merchant type 4106AutoRs. 50/- max. per transactionRTGSAutoRs.400/-SLIPSAutoRs. 50/-SLIPS/CEFT (Effective Date: 01-01-2021)HNB AccountsN/AFree of ChargesOther Banks Accounts AutoRs.30/- per beneficiary 

SMS Alert

Joining FeeNil MaintenanceE-BankingFreeAccount TxnsRs. 20/- per monthAccount BalanceRs. 15/- per monthTrade FinanceRs. 30/- per monthChq. RelatedRs. 20/- per month

OTHER SERVICES 

Current and Savings AccountsAbandoned Property classification charge related to handling and of records. AutoRs. 500/- per account to be charged annually. Joining Fee for Debit Cards Classic Debit Card – Rs. 350-
Platinum Debit Card – Rs. 400-Annual Fee for Debit CardsRs. 250- All Types of Accounts Duplicate Statements - Personal A/cAuto

Rs. 400/- per statement

(Charges per account per request)

Duplicate Statements - Corporate A/cAuto

Rs. 600/- per statement

(Charges per account per request)

Issue of Certificate of Balance/ Financial Year End Statement for Audit purposes / Manual Letters issued to Malaysian Embassy etc. confirming currency issuance by placing liensAuto / ManualRs. 350/- per letterInvestigation/Search Fee for collection of data for Tax purposes, 
Interest recovered/paid etc.Manual

Current year- Rs. 350/-

Previous (each) year - Rs. 500/-

Balance Inquiry (including requests over the counter / telephone)ManualRs. 100/- per inquiryPostagePostage of PIN MailerN/ARegd. Post/Courier within SL - FreePostage of PIN MailerManualRegd. Post - Overseas - Rs. 250/-Postage of PIN MailerManualCourier - Overseas - Rs. 2,500/-SWIFT NET 940

Swift Net 940 Daily

Rs. 500/- per monthSwift Net 940 WeeklyRs. 300/- per monthSwift Net 940 MonthlyRs. 200/- per monthRetrieval of Security DocumentsRetrieval and Processing Fee When Releasing Photocopies of Security DocumentsManualFlat charge of Rs 750/- for each eventEmail Sent as Retrieval and Processing Fee Per Customer When Security Documents are Scanned and Sent To Customers Registered Email AddressManualRs 100/- for each eventRetrival and Processing Fee When Rush Delivery of Security Documents (Within 3 Hours)ManualFlat charge of Rs 1,750/- for each eventAdjusting Post Dated Cheque LimitCharge for Adjusting Post Dated Cheque Limit ManualRs 500/- for each change upwards Retrieval of Security Documents  w.e.f. 02-03-2020When security documents are scanned by Centre and sent to the BM or BOM as an e-mailManualRs.200/- for each eventRetrieval and processing charges of security documents for fully settled facilitiesManualFlat charge of Rs.400/- for each eventTemporary out of original security documents as per customer requestManualRs.1,000/- each event
Источник: https://www.hnb.net/retail-services-tariff

Fees & Charges for SELECT Credit Card

ChargesSelect Credit Card Standard Joining FeeRs 3000 (NIL for Burgundy) Standard Annual Fee (2nd year onwards)Rs 3000 (NIL for Burgundy) Standard Add-on Card Joining Fee NIL Standard Add-on Card Annual Fee NIL Finance Charges (Retail Purchases & Cash)3.6% per month (52.86% per annum)Cash Withdrawal Fees2.5% (Min. Rs 500) of cash AmountFee for Cash PaymentRs. 100Card Replacement Rs. 100Duplicate Statement FeeWaivedOverdue Penalty or Late Payment FeeNil if Total Payment Due is up to Rs. 300Rs. 100 if total payment due is between Rs. 301 - Rs. 500Rs. 500 if total payment due is between Rs. 501 - Rs. 1,000Rs. 500 if total payment due is between Rs. 1,001 - Rs. 10,000Rs. 750 if total payment due is between Rs. 10,001 - Rs. 25,000Rs. 1000 if total payment due is between Rs. 25,001 and 50,000Rs. 1000 if total payment due is greater than Rs.50,000Over Limit Penalty2.5% of the overlimit amount (Min. Rs 500)Chargeslip Retrieval Fee or Copy Request FeeWaivedOutstation Cheque FeeWaivedCheque return or dishonor fee or auto-debit reversal2% of the payment amount subject to min. Rs. 450Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysFuel Transaction Surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)Foreign Currency Transaction Fee3.50% of the transaction valueMobile Alerts for TransactionsWaivedHotlisting ChargesWaivedBalance Enquiry ChargesWaived
Источник: https://www.axisbank.com/retail/cards/credit-card/axis-bank-select-credit-card/fees-charges

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Have you ever used your credit or debit card outside of the United States? If you have, then you’ve encountered a foreign transaction fee. Few of us would think to look at our bank’s policies on foreign transaction fees before actually incurring these fees but, if you were to look, they’re usually hidden among all the other tiny print in your credit card agreement. So, what are these transaction fees? Do banks charge the same amount for them? Finally, are there banks that don’t charge them?

Meet your new bank account with no foreign transaction fees.

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A foreign transaction fee, sometimes referred to as an FX fee, is assessed by your credit card issuer and is usually charged as a percentage of the purchase that you’re making, 3% is the most common foreign transaction fee. A foreign transaction fee is also charged on purchases made in a currency other than the US dollar (USD), or that pass through a foreign bank.

The overall fee is often made up of two fees: One from the payment networks and one from the card’s issuing bank. Visa and Mastercard, which handle the transactions between foreign vendors or banks and US card issuers, generally charge a 1% fee for each foreign transaction. Then, card-issuing banks might add on their own charges, usually an additional 1 or 2 percent, leaving total foreign transaction fees at 2 or 3 percent depending on the card and issuer. Some banks will absorb the network’s fee so that there’s no cost to you.

What You Should Know About Foreign Transaction Fees

Foreign transaction fees can add up if you spend enough while traveling outside the U.S. or by making a purchase that goes through a foreign bank. The easiest way to understand the process is to look at a sample transaction. Let’s say that you go out for dinner in Paris and pay $200 using a credit card on the Visa network. First, the Visa foreign transaction fee will add 1% to the cost of your dinner. Then, the credit card’s issuing bank will charge another 2% on top of that. When you get your credit card statement, the actual cost of your dinner will show a charge of $200 + (0.01 x 200) + (0.02 x 200) = $206.

Don’t forget that exchange rates are a factor in dealing with foreign transactions. Both Visa and MasterCard calculate exchange rates to convert all transactions in foreign currencies to USD properly. The FX is added after the conversion to USD. Some merchants will ask if you want to be given the cost in USD on their end through a process called ‘Dynamic Currency Conversion’. Because there’s a possibility that a merchant will use an unfavorable exchange rate to maximize their profits, “Dynamic Currency Conversion” is not advised.

Most credit card issuers will give you different options, having at least one or two cards for you to choose from that have no fees for foreign transactions. In this case, the issuer covers the cost of the transaction. As with other banking fees like ATM withdrawal and overdraft fees, researching will find you the cards that don’t charge for foreign fee transactions. Good news: Increasingly, consumers–especially wealthy cardholders and frequent fliers–have many no-fee cards to choose from.

Some issuers, like Capital One and Discover, have eliminated the foreign transaction fee from all their credit cards. This is part of a trend going back to around 2010 when a Pew Trust study found that 91% of credit cards issued by the largest 12 banks in the U.S. had foreign transaction fees, and the average fee was 3%.

American Express

2.7% foreign transaction fee after conversion to USD. Only applies to some accounts

For personal and small business cards, either 3% of the transaction amount or $5, whichever amount is greater. No ATM fees for some bank’s Amex cards.

The Platinum Card® from American Express Delta Reserve® Credit Card from American Express Gold Delta SkyMiles® Credit Card from American Express Platinum Delta Skymiles® Credit Card

Bank of America

1% to 3%

$5 usage fee for each non- Global ATM Alliance partner

BankAmericard® Travel Rewards

Capital One

0%

None

All Cards

Chase

3%

$5 + 3% of the dollar amount (For balance inquiries at ATMs, it's $2.50.)

Chase Sapphire Preferred® Card Both United MileagePlus Cards Marriott Rewards Premier British Airways Visa Signature Southwest Airlines Rapid Rewards Premier IHG Rewards Club Select Visa Hyatt Card Fairmont Visa Signature Ritz-Carlton Rewards

Citibank

3%

$2.50 non-Citibank ATM fee + 3% of amount

ThankYou® Premier Citi Prestige® Citi® Hilton HHonors™ Reserve Citi Executive / AAdvantage World Elite MasterCard Expedia®+ Voyager

Discover

0%

None

All Cards

Wells Fargo

3%

$5

Wells Fargo Propel World American Express®

2.7% foreign transaction fee after conversion to USD. Only applies to some accounts

For personal and small business cards, either 3% of the transaction amount or $5, whichever amount is greater. No ATM fees for some bank’s Amex cards.

The Platinum Card® from American Express Delta Reserve® Credit Card from American Express Gold Delta SkyMiles® Credit Card from American Express Platinum Delta Skymiles® Credit Card

$5 usage fee for each non- Global ATM Alliance partner

BankAmericard® Travel Rewards

$5 + 3% of the dollar amount (For balance inquiries at ATMs, it's $2.50.)

Chase Sapphire Preferred® Card Both United MileagePlus Cards Marriott Rewards Premier British Airways Visa Signature Southwest Airlines Rapid Rewards Premier IHG Rewards Club Select Visa Hyatt Card Fairmont Visa Signature Ritz-Carlton Rewards

$2.50 non-Citibank ATM fee + 3% of amount

ThankYou® Premier Citi Prestige® Citi® Hilton HHonors™ Reserve Citi Executive / AAdvantage World Elite MasterCard Expedia®+ Voyager

Wells Fargo Propel World American Express®

** ATM operators may charge an access fee for all foreign ATM withdrawals, balance inquiries or funds transfers
Foreign transaction fees differ among the different types of cards offered by each bank. For example, Chase has one of the widest selections of no-fee cards available, including ten no-fee travel cards. The  Chase Freedom foreign transaction fee is 3% on all purchases made overseas. Bank of America’s foreign transaction fee on standard cards ranges from 1 to 3% of purchases. However, they also offer the BankAmericard Travel Rewards card, which does not charge foreign transaction fees.  
As a reminder, too, foreign transaction fees also apply if you’re in the U.S. and make a transaction that uses a foreign bank, for example, if you buy something from a foreign country

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

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Источник: https://www.chime.com/bank-fees/foreign-transaction-fees/

What Does POS Fee Mean: Everything You Need to Know

The point of sale system is something that a modern business can’t be run without. Although it has enhanced the way transactions occur, there are still plenty of small businesses that don’t use it. Implementing new technologies is a significant change, and a lot of retailers are afraid of the unknown. Questions such as what is POS fee and how many of them are there are essential, but they shouldn’t stop you from improving your business. So let’s try to answer those questions and clear out all doubts.

What Do You Mean by POS?

This is an abbreviation for point of sale system. It is a machine or a terminal used for processing payments and transactions between a merchant and a customer. However, even a cash register could be considered a point of sale, although it usually refers to specially-designed machines for processing payments. There are several types of them, but generally, they all strive to provide fast and efficient service for retailers looking to improve or expand a business.

Hardware and Software Components of a Point of Sale Payment System

Although you can now find a hybrid and cloud-based point of sale system where everything is integrated into one device, in most cases, this system has two main compounds. A touchscreen computer that operates with software to complete orders and process all payments. On the other hand, foreign atm or pos fee exchange fee citizens bank hardware bundle typically includes:

  • Terminal
  • Credit card reader
  • Receipt printer
  • Cash drawer
  • Barcode scanner

What Does POS Mean on Bank Statements?

The monthly bank statement can help you track all your transactions, and go through them to check the use of your debit card. In case you notice a transaction that you haven’t made, you should meredith village savings bank alton nh your bank to check it.

Point of Sale – POS Fees

Although there are free POS systems, it is essential to mention that they aren’t entirely free and that they come with certain restrictions. Before committing to one system, ask about all additional charges; sometimes they are included, but features such as tech support or upgrades are usually not. The price of these systems varies, and it depends on the size of business and the package you opt for.

Standard Fees for Small Businesses

  • Transactional – the highest cost when accepting credit cards, charged whenever a transaction occurs.
  • Incidental – these might be charged at certain circumstances, for example, when a chargeback occurs.
  • Scheduled – flat fees that you can check on your monthly merchant statement, arranged by the contract.

Can Merchants Charge Credit Card Processing Fees?

Some retailers are charging their customers when they pay with a credit card, which is the so-called credit card convenience fee. However, this is not legal in all states. Currently, in ten states, surcharges are not allowed. Imposing surcharges comes with its pros and cons, so consider them well before making this decision.

There is also the POS WAT communication fee, charged whenever the terminal dials the toll-free number 800 to send or receive information. WAT stands for wide-area telephone service, and this authorization fee is charged additionally. Just make sure you watch your cybersecurity.

What Is a POS Decline Fee?

If you don’t have enough funds on your bank account, not only will your transaction be declined, but your bank will most likely charge you a decline fee. It usually depends on the bank and the terms of your account, but some even offer to sign up for overdraft protection.

What Is a Foreign ATM or POS Fee?

If you notice an extra charge named Foreign or International Transaction Fees, it means that your vendor is located outside of your country. Your credit card issuer may also charge extra for transactions in a foreign currency.

Is Square the Best Payment Service for a Smaller Merchant?

If not the best, Square is probably one of the top three services for small business owners. It doesn’t require you to use a merchant account or to pay any monthly costs. However, its flat rate and an added fixed fee can be too pricey for small businesses with a small average ticket.

How Much Square Charges per Transaction When Using a Chip Card Reader

Credit card transaction fees can be hard to understand, but Square doesn’t have any hidden fees that could increase their rates. Square accepts chip cards, and its standard processing cost is applied to them. Currently, Square payment fee is 2.6% and 10 cents, for contactless swiped, and inserted cards, including debit ones. For the card on file payments, manually processed, you will be charged 3.5% and 15 cents. Square doesn’t charge checks, recording cash, or gift certificate payments.

Square Vs. Clover

Besides Square, Clover is one of the preferred service providers among merchants, but which one is better? Both are very straightforward to use, convenient, and ideal for smaller businesses. However, Clover’s features are suitable for merchants who are looking to get more flexible solutions from their payment service.

Can the POS System Enhance Your Business?

Depending on the type of business you’re running, these systems can really help you grow your enterprise. Choosing the right provider is one of the crucial steps that could enhance your sales. Different types foreign atm or pos fee exchange fee citizens bank these systems are particularly tailored for the needs of restaurant owners, for example, or cosmetic salons. Therefore, you should research them well, as well as all the charges that come along, and find the best solution for you.

Источник: https://merchantchimp.com/pos-fee/

Glossary

  1. Bank: The Jammu & Kashmir Bank Ltd.
  2. Card: ATM-cum-Debit Card named as "J&K Bank Global Debit Card", issued to the customer by J&K Bank in association with MasterCard International.
  3. Card Holder: A customer who has been issued a "J&K Bank Global Debit Card&rdquo.
  4. ATM: All Automated Teller Machines of J&K Bank Ltd as well as other banks with the logo of MASTERCARD (Logo) (in India or abroad*) and NFS or both in India.
  5. PIN: The Card Holder is initially allotted a computer generated random 4- digit Personal Identification Number (PIN) in a secured and sealed PIN mailer.
  6. Merchant Establishments (ME’s): ME's shall include shops, stores, restaurants, hotels and commercial establishments, Etc. advertised as handling the foreign atm or pos fee exchange fee citizens bank by displaying MasterCard logo or by any other means.
  7. POS Terminals: Point of Sale terminals at ME site in India or abroad at which the customer can use his or her card after entering the PIN to make purchases by debiting his/her account with the Bank.
  8. Designated Account: Any variant of current Deposit Account or Savings Bank account (maintained by foreign atm or pos fee exchange fee citizens bank 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: The Business Unit at which the Card Holder maintains the designated account.
  10. International transaction: A transaction entered into by the Card Holder through his/her card outside India at ATMs or POS terminals outside India.

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

Step1
In order to enter the ATM room swipe your card (horizontally or vertically) with the magnetic stripe facing the slot depending on the position on the access lock on the door of the ATM room. OR
Insert your card into the slot depending on the position of the access lock. When foreign atm or pos fee exchange fee citizens bank green light glows, push the door and enter the ATM enclosure.

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

Step3
Select the language English, Hindi, Urdu in which you desire to interact with ATM. This option may not be available in all ATM’s.

Step4
Next, the ATM will prompt you to key in the Personal Identification Number (PIN). Please take care to key in the correct PIN. After the PIN is entered, the ATM process the information and if it is found correct guides you step by step for conducting transactions. (If the wrong PIN is entered thrice; the card will invalidated or even may be retained by the ATM. In the former case contact the concerned Card Issuing Business Unit. In case of retention contact both ATM custodians, Bank/Business Unit carolina executive realty the card has been issued).

Step5
At this stage, options will appear on the screen and you can choose the appropriate option amongst Fast Cash, Withdrawal, PIN Fcbc worship and Mini Statements by pressing appropriate push button.

Step6
If you have no further transactions, please collect your card The Card should be collected as soon as it is ejected (within 30 seconds); or else the ATM will retract it. In such an event, please contact the Business Unit at which you maintain your account (Not applicable for dip card ATM) In case of Dip Card ATMs,  you  will  have  to  only  dip  the  card and  enter  your  PIN  for  each transaction.

Note:
i. All J&K  Bank  ATMs  have,  as  a  matter  of  policy,  maximum  cash dispensing limit of  40000/ -per card per day on use.
ii. You can also use your "J&K Bank Global Debit Card" at ATMs,
a. Which are part of the MasterCardTM,  network in India and around the world Just look for the MastercardTM  logo at participating ATMs.
b. Which is part of the NFS (National Financial Switch) Network in India. (NFS   Networked ATM’s   can also be part of   the MasterCardTM Network and or of the VISATM Network).
Use of "J&K Bank GLOBAL DEBIT CARD" on Point of Sale Machine (POS) Using  your  card  for  making  payments  for  purchases  made  at merchant establishments displaying Maestro Logo  through POS machine.

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

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

Step3
You will be presented with PIN pad. Enter your confidential PIN ensuring, that others around do not get to know your PIN.

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

Step5
Check the amount on the transaction receipt and sign on it.

Step6
The transaction is now complete. You will receive a copy of the transaction receipt and your "J&K Bank Global Debit Card.

Important 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. Have your card ready in your hand before you approach the ATM.

TIP3
Avoid ATMs which have messages 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 help at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction.

TIP5
Ensure nobody watches you enter your PIN. (You may use the knuckle of your middle finger to key in the PIN).

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

TIP7
In case the ATM is not working properly, press the Cancel key and withdraw your card Report to the concerned Branch before proceeding to another ATM.

TIP8
Never force your card into the card slot.

TIP 9
If your card gets jammed, retained or lost, or if you are interfered with at an ATM, report immediately to the nearest Business Chase mortgage login full site of foreign atm or pos fee exchange fee citizens bank bank or helpdesk.

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

TIP 11
Memorize your PIN (if you need to write it down, do so in a disguised manner 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 14
Change your PlN periodically, and, if you think it may have been compromised, change it immediately.

TIP 15
Check   your   account   balance   and statements   regularly.   Report   any discrepancies to your bank immediately.

TIP16
Immediately after  receiving  your  card  from  the  Bank  please  foreign atm or pos fee exchange fee citizens bank on  the signature panel on the reverse of the Card to prevent any misuse.

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

TIP 18
In case of any transaction related issues like excess debit, less cash dispensed or no cash dispensed the customer should report to helpdesk/Business Unit immediately through phone, fax or mail not later 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 Card Holder is deemed to have the agreed and accepted the Terms by performing any of the below mentioned activities.

  1. By signing the Card Application Form.
  2. By acknowledging the receipt of the Card.
  3. By signing the reverse of the card.
  4. By performing transaction with the card on ATM/POS machine.

Personal Identification Number (PIN):
The PIN is used for withdrawing cash at an ATM or for Purchasing Goods and Services at a Merchant Establishment through POS Machine. It is advisable that the Card Holder in his/her own interest should change the PIN to any other four-digit number of his/her choice. For this purpose, he/she may use the PIN change option available at J&K Bank’s ATMs. The PIN should be safeguard carefully. Usage of wrong PIN three time would invalidate the card or even can be retained by the ATM. While selecting a PIN, the card holder is advised to avoid a PIN, which can be easily associated with him/her (e.g. Telephone Number, DOB, Vehicle Registration Number etc.). Besides, the selected La calle san jose costa rica value should not 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 Card Holder’s account if he/she gains the possession of the Card and the PIN, the card should always remain in the Card Holder’s possession and should not be handed over to anyone else. The Bank bears no liability or responsibility for the unauthorized use of foreign atm or pos fee exchange fee citizens bank Card. The responsibility is fully that of the Card Holder. The PIN is sent in a Pin Mailer. It is the Card Holder's responsibility to ensure that the knowledge of the PIN/PIN Mailer does not fall into any other person's hands. (The Cardholder should change the PIN immediately if it is accidentally divulged). The PIN should not be written on the card or the pouch carrying it.

Loss of Card:
The Card Holder should immediately notify his/her Business Unit or J&K Bank Toll Free Number 1800 1800 234 (24*7), Helpdesk numbers +91-0194-2481936, +91-0194-2481953 or email us at [email protected]

Or

By a letter or by a phone 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 as the Bank hotlists the Card will be to the Card Holder s account. Fresh card will be issued in replacement of lost/damaged Card at a fee of 200/-

Surrender of the Card:
The Card being the Property of J&K Bank 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 Bank due to any reason.

Debits to customer’s account:
The bank has the authority to debit the designated account of the Card Holder for all withdrawals affected by the Card Holder by using the Card as evidenced by Bank’s records which will be conclusive and binding on the Card Holder. The Card Holder authorizes the Bank to debit the designated account with service charges notified by the Bank from time to time.

Transactions:
The transaction record generated by the ATM or POS Machine will be binding and conclusive unless verified otherwise and corrected by the Bank. The verified and the corrected amount will be binding on the Card Holder.

Closing of Account:
The Card Holder wishing to close the designated account and surrender the Debit Card will give the Bank notice in writing and surrender the Card along with the notice.

Validity of the Card:
The J&K Bank Personalized Global Debit Card is valid for five years till the last day of the month embossed on the Card. If the Card is used after the expiry, the ATM will reject it. Approach the concerned Card issuing Business Unit one month earlier for fresh card.

Specimen Signature of the Customer must tally:
The Card Holder shall sign the Card on the reverse as per the specimen signature appearing on the Customer Relationship/Account opening form or the latest signature of the Card Holder as per Bank’s record.

Benefits of the Card:
The J&K Bank Personalized Global Debit Card can be accessed for the withdrawal of cash from ATM, make payments at Merchant Establishment and ascertain the information about the account balance through the use of Card at foreign atm or pos fee exchange fee citizens bank ATMS. The unique advantage in this specified card is that the Card Holder can transact maximum of ₹40,000/- cash from ATM per day and can make payment for purchase upto ₹1,00,000/- per day at Merchant Establishment.

NOTE:-

  • The Card 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 Card Holder is liable for action under FEMA. The Card Holder should fulfil and abide by all guidelines issued by the Reserve Bank of India and Government of India regarding international use of the Debit Foreign atm or pos fee exchange fee citizens bank and foreign currency transactions. The limit per transaction shall be as 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 fixed by RBI.
  • Non- completion of transaction due to insufficient balance in the designated account at non J&K Bank ATM / POS (Merchant Establishment) will attract charges as applicable to google play store gift card codes india balance enquiry.
  • NFS Networked ATMs can also be part of the MasterCardTM Network as well and or VISATM network; in such a case, the NFS fee structure will be applicable.

Other important conditions governing the transactions:

  • The Debit Card Service is meant for withdrawals against the balance already available in the designated account. It is the Card Holder’s obligation to maintain sufficient balance in the designated account to meet withdrawals and service charges.
  • The Bank at its discretion may amend the terms & conditions governing ATM services from time to time as per requirements. The Card Holders will be notified of such changes, which will be binding on the Card Holder.
  • The Bank reserves the right to introduce new facilities or revoke sting facilities as and when warranted, mobile homes for sale under 5000 in south carolina without assigning any reason for the same. Fee charged (if any) for the use of the Card is not refundable under any circumstances.
  • The Bank has the right to withdraw the privileges attached to the Card and to call upon the Card Holder to surrender the Card through the Merchant Establishment, or their representatives or any other representative of the Bank without assigning any reason.
  • Use of the Card shall be terminated without notice, upon the death, bankruptcy or insolvency of the Card Holder or for other valid reasons or when the whereabouts of the Card Holder become unknown to the Bank due to any cause attributable to the Card Holder.
  • The Bank is not responsible for the refusal by any ME to accept or honor the Card, nor shall it be responsible in any respect for the goods or services supplied to the Card Holder. The Card Holder shall handle or resolve all claims or disputes directly 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 Card Holder s Account with the amount of refund only upon receipt of a properly issued credit slip or cheque or draft from the ME.
  • The Bank will not be responsible for furnishing original bills of the ME to the Card Holder.
  • The Card Holder will collect from the ME the Card Holder's copy of the transaction receipts and will preserve the same for his personal record. The Bank at its discretion will approve / reject any card transaction. The Card Holder should not countermand any order, which he/she has given by means of this card. The Bank shall not be liable for any loss caused by a technical breakdown of the payment system.
  • In case of failed transactions, the customer should report to the bank within 30 days from the date of transaction so as to seek reimbursement or otherwise from the bank if what is the capital of japan now applicable.
  • 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 account. However on receiving representation from the concerned Bank 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 Bank and will be returned to the Bank by the Card Holder unconditionally foreign atm or pos fee exchange fee citizens bank and immediately upon request by the Bank. The Bank reserves the right to cancel the Card and stop its operations unilaterally without assigning any reason. The decision of the
    Bank is conclusive and binding on the Card Holder.
  • The Card is non transferable
  • The Bank will not be liable for any deficiency in services or to perform any obligation there under where such failure is attributed, directly or indirectly to any malfunction of ATM, Network, Card, POS ,SMS/email delivery, temporarily insufficiency of funds, any dispute or other circumstances beyond its control

Additional/Withdrawal of Facilities
Bank mayat its discretionmake available to the Cardholder more services on the CardATMsPOS Terminals, Internet or otherwise and/or other devices through Shared Networks for the Cardholders convenience and use. All fees and transactions related to transactions done by Card holders at these devices, as determined by Bank will be recovered by a debit to jp morgan chase bank customer service account linked with the Card.

DISPUTES
Bank accepts no responsibility for refusal by any Merchant Establishment to accept and/or honor the Card In case of disputes pertaining to a transaction with Merchant Establishment a charge/sales slip with the signature of the cardholder together with the card number noted thereon shall be conclusive evidence as between the Bank and the Cardholder as to the extent of liability incurred by the Card Holder and the Bank. In case the Cardholder has any disputes in respect of any google play store gift card codes india indicated in the Account statement, the Cardholder communicate advice details to the Bank within 15 days of the account statement date, failing which it will be construed that all charges are acceptable and in order. Any dispute in respect of a shared network, ATM transactions will be resolved as per VISA/MasterCard regulations and Bank does not accept responsibilities for any dealings the cardholder may have with the shared network.

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

International-Transaction

What is an international transaction?

  • Any transaction made at Point of Sale (POS) overseas
  • Cash withdrawal at ATM overseas
  • E-com transactions on all global websites like: iTunes, Netflix, payments for GRE, GMAT, Airbnb, Agoda, Emirates and many more

Are these transactions secure?

Yes, it is secure to use your card globally.

  • ICICI Bank issues Europay Mastercard and Visa (EMV) Chip Credit & Debit Cards for international usage. These cards have all card data encrypted in a microchip, which is difficult to duplicate. Hence, it protects your card from skimming.
  • Second factor chic me customer service number is not mandatory on international transactions i.e. OTP

What are the charges?

The following charges apply:

Mark up fee - 3.5% + Goods and Services Tax (GST)

ATM Cash Withdrawal Fee overseas – Rs. 125 + GST

Balance Enquiry overseas – Rs. 25 + GST

Always make your international payments in local currency of country of travel to avoid excessive surcharge.

 

Charges in foreign currency:

If a transaction is done in a currency other than Indian Rupees, that transaction will be converted into Indian Rupees. The conversion will take place on the date the transaction is settled with ICICI Bank, which may not be the same date on which the transaction was done. If the transaction is not in US Dollars, the conversion will be made through US Dollars, by converting the charged amount into US Dollars and then by converting the US Dollar amount into Indian Rupees.

Unless a specific rate is required by applicable law, the conversion rate from US Dollar to Indian Rupees will be at the rates provided by Visa, Mastercard or Amex, as the case what is an online id bank of america be, on the settlement date, increased by a Currency Conversion Factor assessment (currently 3.50%) on such transactions.

Источник: https://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/travel-easy/about-international-transactions.page

Fees & Charges for SELECT Credit Card

ChargesSelect Credit Card Standard Joining FeeRs 3000 (NIL for Burgundy) Standard Annual Fee (2nd year onwards)Rs 3000 (NIL for Burgundy) Standard Add-on Card Joining Fee NIL Standard Add-on Card Annual Fee NIL Finance Charges (Retail Purchases & Cash)3.6% per month (52.86% per annum)Cash Withdrawal Fees2.5% (Min. Rs 500) of cash AmountFee for Cash PaymentRs. 100Card Replacement Rs. 100Duplicate Statement FeeWaivedOverdue Penalty or Late Payment FeeNil if Total Payment Due is up to Rs. 300Rs. 100 if total payment due is between Rs. 301 - Rs. 500Rs. 500 if total payment due is between Rs. 501 - Rs. 1,000Rs. 500 if total payment due is between Rs. 1,001 - Rs. 10,000Rs. 750 if total payment due is between Rs. 10,001 - Rs. 25,000Rs. 1000 if total payment due is between Rs. 25,001 and 50,000Rs. 1000 if total payment due is greater than Rs.50,000Over Limit Penalty2.5% of the overlimit amount (Min. Rs 500)Chargeslip Retrieval Fee or Copy Request FeeWaivedOutstation Cheque FeeWaivedCheque return or dishonor fee or auto-debit reversal2% of the payment amount subject to min. Rs. 450Surcharge one main financial loan requirements purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian RailwaysFuel Transaction Surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. is there a credit check to open a savings account Currency Transaction Fee3.50% of the transaction valueMobile Alerts for TransactionsWaivedHotlisting ChargesWaivedBalance Enquiry ChargesWaived
Источник: https://www.axisbank.com/retail/cards/credit-card/axis-bank-select-credit-card/fees-charges

Retail Services Tariff

CASH

Cash OrderCollected at the branchManual  1/2% (Rs. 5,000/- Minimum)Delivered at customer location through approved transport agentManual 1/2% (Rs. 5,000/- Minimum + charges of transport agent)Counter Withdrawal Charges

Below Rs. 200,000/-

(Excluding Senior Citizens Scheme Accounts)AutoRs. 15/-Utility Bill PaymentUtility Bill Payment - CounterAutoRs. 35/- per Utility Bill

CURRENT ACCOUNT

Issuance

Cheque Books

AutoRs. 20/- per leafContinuous Cheque LeavesAuto / Manual Rs. 20/- per leaf + printing chargesService FeePremier Current Accounts -
Average monthly credit balance below Rs.200,000-Auto 

Rs. 600 per month   

*w.e.f. 01/10/2021

Personal Accounts foreign atm or pos fee exchange fee citizens bank Average Dr/Cr balance below Rs.10,000/-

(Excl. Senior Citizens Scheme Accounts)

Auto Rs. 200/- per month Account MaintenanceOther than Personal Accounts - Average Dr/Cr balance below Rs.25,000/-AutoRs. 300/- per month Conversion of Account from Active to Dormant (One off Fee)AutoRs. 50/-

Statement

MonthlyN/AFree of ChargeWeeklyAutoRs. 1,000/- per monthDailyAutoRs. 2,000/- per month E-Statement any frequencyN/AFree of Charge

Undelivered Statement

Fee for Undelivered Current Account Statements

Manual

 Rs. 250/-

Stop Payments

Placement of stop paymentAuto  

With funds - Rs. 2,000/-

Without Funds Rs. 4,000/-

Loss of Cheque bookAuto   Rs. 3,000/- per book or series in excess of 5 leavesCancellation of Stop PaymentAuto   Rs. 500/- per Cheque or series of 5 leavesOther Service Closure of current account Auto Rs. 1,000/- Closure of Current Account for Unsatisfactory conductManualRs. 1,000/- 

CLEARING

Cheque Returns

Outward - RD/ENRAuto  Rs. 4,000/-Outward - Other (Technical errors)Auto Rs. 500/-Inward (where either Bank has not made a mistake)Auto

Rs. 100/- (including postage)

Rs. 50/- for SME Customers

Additional charge for collecting by handManualRs. 1000/- per month

Mark for Payment

Presented by us to other banksAutoRs. 4,000/-Presented to us by other banksManualRs. 2,000/-

Post Dated Cheques

Handling Charges for customers with POD against PD chequesN/AFree of ChargeHandling Charges for customers without facilitiesManualRs. 50/- per Cheque

Local Bills Cheques Purchase

Customers with limitsManualIn accordance with facility approvalCustomers without limitsAuto0.75% of the value of the cheque or Rs.1,000 per cheque whichever is higher

FIXED DEPOSIT

Other FeeDuplicate FD receiptManualRs. 3,000/-

SAVINGS ACCOUNT

Pass BookReplacement due to loss of Pass BookManualRs. 500/-ClosureClosure of savings accountAutoRs. 500/-Account MaintenanceDormant Below Rs. 5,000/-AutoRs. 50/- per monthConversion of Account from Active to DormantAutoRs. 50/-

Savings Account Service Charge

(Excluding Minor Accounts)

Auto

Average Balance:

  • below Rs. 1,000 - Rs. 35/- per month 
  • Rs. 1,000/- to Rs. 2,000 - Rs.30/- per month
  • Rs. 2,000/- to Rs. 3,000 - Rs.5/- per month

STANDING ORDERS

Set-upSetting up fee (Exempt for Savings build up)AutoRs. 250/- per Standing Order ExecutionFund transfer within HNBN/AFree of ChargeFund transfer to an account at any bankAutoRs. 50/- per transactionFund transfer by Pay OrderAutoRs. 300/- per remittanceMaintenanceAmendments/Cancelation - (Amendment from and to accounts within HNB exempted)AutoRs. 100/- 

OUTWARD REMITTANCES - LOCAL (Effective Date : 01-01-2021)

Cheque on SelvesIssuance - A/c DebitAutoRs. 500/-Issuance - Other (Cash)AutoRs. 1,000/-Re-issuance CustomerAuto/ManualRs. 500/-Cancellation - CustomersManual    Rs. 500/-Cancellation - Non CustomersManualRs. 750/-

RTGS

Per Transfer

AutoRs. 400/-Manual Fund Transfer

Within HNB - Single txn

AutoRs. 150/-

Within HNB - Multiple Trxn (Including - Cheque with multiple Credits)

AutoRs. 150/- per beneficiary

SAFE DEPOSIT LOCKERS (MINIMUM SECURITY DEPOSIT - RS.50,000-)

Annual RentalSmall S/ORs. 4,000/- + VAT per annumMediumS/ORs. 5,000/- + VAT per annumLargeS/ORs. 7,500/- + VAT per annumExtra largeS/ORs. 10,000/- + VAT per annumStaff  (Deposit not required)S/O50% of fee + VAT per annumReplacement of Lock/KeyManualActual cost

E BANKING

Maintenance

Retail Customers (Internet Banking/Digital Banking)AutoRs. 500/- per annum charged biannuallyCorporate CustomersAutoRs. 1000/- for 4 corporate users per annum. Each additional user Rs.200/-USSD RegistrationAutoRs. 200/- per annumHardware TokenAuto

Rs. 3,500/- per Token

(If the customer requests to courier the token overseas, the actual courier charge has to be borne by the customer.)

Transactions (Effective Date: 01-01-2021)

CEFTS/Transfers through:

i. E-Banking
ii. Mobile Banking
iii. ATMs of respective member of CEFTS

AutoRs. 30/- max. per transactionCEFTS Transfer over the counterAutoRs. 100/- max. per transactionFund transfer through ATM of other members of CEFTSAutoRs. 100/- max. per transactionPayment to IRD – Merchant type 4106AutoRs. 50/- max. per transactionRTGSAutoRs.400/-SLIPSAutoRs. 50/-SLIPS/CEFT (Effective Date: 01-01-2021)HNB AccountsN/AFree of ChargesOther Banks Accounts AutoRs.30/- per beneficiary 

SMS Alert

Joining FeeNil MaintenanceE-BankingFreeAccount TxnsRs. 20/- per monthAccount BalanceRs. 15/- per monthTrade FinanceRs. 30/- per monthChq. RelatedRs. 20/- per month

OTHER SERVICES 

Current and Savings AccountsAbandoned Property classification charge related to handling and of records. AutoRs. 500/- per account to be charged annually. Joining Fee for Debit Cards Classic Debit Card – Rs. 350-
Platinum Debit Card – Rs. 400-Annual Fee for Debit CardsRs. 250- All Types of Accounts Duplicate Statements - Personal A/cAuto

Rs. 400/- per statement

(Charges per account per request)

Duplicate Statements - Corporate A/cAuto

Rs. 600/- per statement

(Charges per account per request)

Issue of Certificate of Balance/ Financial Year End Statement for Audit purposes / Manual Letters issued to Malaysian Embassy etc. confirming currency issuance by placing liensAuto / ManualRs. 350/- per letterInvestigation/Search Fee for collection of data for Tax purposes, 
Interest recovered/paid etc.Manual

Current year- Rs. 350/-

Previous (each) year - Rs. 500/-

Balance Inquiry (including requests over the counter / telephone)ManualRs. 100/- per inquiryPostagePostage of PIN MailerN/ARegd. Post/Courier within SL - FreePostage of PIN MailerManualRegd. Post - Overseas - Rs. 250/-Postage of PIN MailerManualCourier - Overseas - Rs. 2,500/-SWIFT NET 940

Swift Net 940 Daily

Rs. 500/- per monthSwift Net 940 WeeklyRs. 300/- per monthSwift Net 940 MonthlyRs. 200/- per monthRetrieval of Security DocumentsRetrieval and Processing Fee When Releasing Photocopies of Security DocumentsManualFlat charge of Rs 750/- for each eventEmail Sent as Retrieval and Processing Fee Per Customer When Security Documents are Scanned and Sent To Customers Registered Email AddressManualRs 100/- for each eventRetrival and Processing Fee When Rush Delivery of Security Documents (Within 3 Hours)ManualFlat charge of Rs 1,750/- for each eventAdjusting Post Dated Cheque LimitCharge for Adjusting Post Dated Cheque Limit ManualRs 500/- for each change upwards Retrieval of Security Documents  w.e.f. 02-03-2020When security documents are scanned by Alpha bank housing loan calculator and sent to the BM or BOM as an e-mailManualRs.200/- for each eventRetrieval and processing charges of security documents for fully settled facilitiesManualFlat charge of Rs.400/- for each eventTemporary out of original security documents as per customer requestManualRs.1,000/- each event
Источник: https://www.hnb.net/retail-services-tariff

: Foreign atm or pos fee exchange fee citizens bank

Foreign atm or pos fee exchange fee citizens bank
COMMONWEALTH BANK AND TRUST FLORENCE KY
TRI COUNTIES BANK TOLL FREE NUMBER
Foreign atm or pos fee exchange fee citizens bank
foreign atm or pos fee exchange fee citizens bank

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