ACCOUNT OPENING FORM FOR RESIDENT INDIVIDUALS

Transcription

1 ACCOUNT OPENING FORM FOR RESIENT INIVIUALS (For Office Use Only) (Trust/ HUF/ Housing Societies/ Charitable/ Educational Institutions) (For Savings & Term eposit) Customer I ate : A/C to be opened at Branch A/C Type SAVINGS / TERM EPOSIT A/C No.: Transflow No. Branch Code Scheme Code EPOSIT ETAILS Payment by Cash Transfer rawn on Cheque No. ate: Bank ebit my / our existing SB/CA/O account. Branch. A/C No. eposit Amount ` Registration for : Cheque book Visa ebit Card: SMS Banking Personalised Net Banking ATM Mobile Banking (For Statement by Non-personalised Instructions to Customer Please write your NAME as it appears in all your support documents Specify the addresses along with City, State & PIN Code Please countersign in full for any overwriting / alteration Fields marked are MANATOR Please fill the form preferably in BLACK ink only Please fill the form in CAPITAL LETTERS only Please tick the appropriate boxes (To be filled in by the Customer) APPLICANT TITLE Please open My / Our Savings Bank Account. FULL NAME (Surname) (First Name) ATE OF BIRTH # PAN NUMBER or if Form 60/61 Attached (Please or or or UI (Aadhaar No.) ) # If Senior Citizen/Minor, provide proof of ate of Birth If PAN No. is not available, please attach form 60 or 61 GENER MARRIE MINOR (M/F) (/N) (/N) Existing Customer If es, Cust. I PEP Related to a PEP If Minor, Please fill-up declaration on page 3 Salaried Self Employed Business PEP - Politically Exposed Persons Retired Student 1 Housewife Others (Please Specify) Category A/C)

2 B) MOE OF OPERATION Account will be operated by Self Either or Survivor Former or Survivor Minor by Guardian Jointly or Survivor Any one of us or any one of the survivors or the last survivor Any other Instruction C) ARESS ETAILS Communication Address Please provide complete address for faster courier deliveries. BLG. NAME ROA NO./NAME LANMARK CIT PIN COE Permanent Address of Same as communication address Please note the address as below BLG. NAME ROA NO./NAME LANMARK CIT PIN COE Office Address of BLG. NAME ROA NO./NAME LANMARK CIT PIN COE Permanent Address of BLG. NAME ROA NO./NAME LANMARK CIT PIN COE Permanent Address of BLG. NAME ROA NO./NAME LANMARK CIT PIN COE ST Code Tel. No. (Office) Tel. No. (Residence) Mobile Number Address 2 Fax No.

3 ) ECLARATION B MINOR Type of Guardian: Father Full Name of Guardian: Mr. Mother Court Appointed Ms. I / We hereby declare that the date of birth of the minor who is my is / / and I am his / her natural and lawful guardian / guardian appointed by court order, dated / / (copy enclosed). I shall represent the said minor in all future transactions of any description in the above account until the said minor attains majority. I / We indemnify the Bank against the claim of the above minor for any withdrawal / transactions made by me in his / her account. ate : M M Signature of Guardian E) 1st APPLICANT'S PERSONAL INFORMATION Education Undergraduate Grad./Post Grad. Gen. (B. Sc, M.Com., etc.) Grad/Post Grad. Professional (BE, MBA, MBBS etc.) If salaried, employed with Public Ltd. Co. Pvt. Ltd. Co. Govt. Sector Multinational Others (specify) Expected Annual Turnover (`) < 2.4 lakh 2.4 lakh < 6 lakh 6 lakh < 12 lakh 12 lakh < 25 lakh 25 lakh & above If Self-Employed Profession CA Engg. octor Entrepreneur Others (specify) Type of Business Small business Construction Gold & iamond Service Industry Others (specify) Monthly Income (`) < 10,000 10,000 < 25,000 25,000 < 50,000 50,000< 1,00,000 1,00,000 & above 2nd APPLICANT'S PERSONAL INFORMATION Education Undergraduate Grad./Post Grad. Gen. (B. Sc, M.Com., etc.) Grad/Post Grad. Professional (BE, MBA, MBBS etc.) If salaried, employed with Public Ltd. Co. Pvt. Ltd. Co. Govt. Sector Multinational Others (specify) Expected Annual Turnover (`) < 2.4 lakh 2.4 lakh < 6 lakh 6 lakh < 12 lakh 12 lakh < 25 lakh 25 lakh & above If Self-Employed Profession CA Engg. octor Entrepreneur Others (specify) Type of Business Small business Construction Gold & iamond Service Industry Others (specify) Monthly Income (`) < 10,000 10,000 < 25,000 25,000 < 50,000 50,000< 1,00,000 1,00,000 & above 3rd APPLICANT'S PERSONAL INFORMATION Education Undergraduate Grad./Post Grad. Gen. (B. Sc, M.Com., etc.) Grad/Post Grad. Professional (BE, MBA, MBBS etc.) If salaried, employed with Public Ltd. Co. Pvt. Ltd. Co. Govt. Sector Multinational Others (specify) Expected Annual Turnover (`) < 2.4 lakh 2.4 lakh < 6 lakh 6 lakh < 12 lakh 12 lakh < 25 lakh 25 lakh & above If Self-Employed Profession CA Engg. octor Entrepreneur Others (specify) Type of Business Small business Construction Gold & iamond Service Industry Others (specify) Monthly Income (`) < 10,000 10,000 < 25,000 25,000 < 50,000 50,000< 1,00,000 1,00,000 & above F) KNOW OUR CUSTOMER (KC) ETAILS Provide KC document (Attach photocopies of the following documents and produce the original copies of these documents for verification) ocument for proof of Identity ocument Identification No. Issuing Authority/Place of issue Supporting ocuments ocument for proof of Address ocument Identification No. Issuing Authority/Place of issue Supporting ocuments For Salary Accounts - Employee Code Letter from Employer verifying identity and current address Signature with Company Seal 3 This form is processed through automated system. Please ensure that all mandatory fields have been filled correctly else the form is liable to be rejected.

4 G) ou may convey promotional information through telephone calls / sms / / letters - es Signature of 1st applicant No Signature of 2nd applicant Signature of 3rd applicant H) INTROUCER'S ETAILS NAME : A/C No.: Cust. I Branch Name : Branch Code I confirm that I am an account holder with Saraswat Bank for over 6 months. I confirm that I personally know the applicant/s detailed above for more than 6 months and confirm his /her /their identity, occupation and address. ate : Signature For Office use : Signature Verified : es Signature of the Officer EMP Code : ate of A/c. Opened : Name of the Officer Nomination under Sec. 45ZA read with Section 56 of the Banking Regulation Act 1949 and Rule 2(1) of the Co-operative Banks (Nomination) Rule 1985, in respect of Bank deposits. I) NOMINATION ETAILS (FORM A1) (i) I / We (name) (Address) nominate the following person to whom in the event of my / our / minor's death the amount of deposit in the above account, may be returned by The Saraswat Co-op. Bank Ltd. Branch. Nature of eposit & Number Name & Address of Nominee Relationship with epositor, if any Age If nominee is a minor, his date of birth As the nominee is a minor on this date, I / We appoint (name) ( Name, Address & Age) to receive the amount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee. Or (ii) I/we the undersigned do not wish to make nomination in my/our aforesaid Savings/Term eposit A/c. Place : ate : M M Signature(s) # Thumb impression(s) of epositors Signature of witness No.1 Signature of witness No.2 Name(s) Name(s) Address(es) Address(es) Where deposit is made in the name of a minor, the nomination should be signed by a person lawfully entitled to act on behalf of the minor. # Thumb impression shall be attested by two witnesses Signature of Account Holder Nomination Registration No. ate : M M Acknowledgment of nomination received on For Office use : AML Rating for 1st applicant Please Paste Passport Size Colour Photograph here Please Paste Passport Size Colour Photograph here Please Paste Passport Size Colour Photograph here AML Rating for 2nd applicant AML Rating for 3rd applicant Signature ECLARATION B THE BRANCH : I hereby certify that this account opening form is complete in all respects and relevant documents have been obtained, The Account may please be opened. Enclosure etail (This information must be filled-up by the branch before sending AOF for processing) The Saraswat Co-op. Bank Ltd. Number of Pages of KC documents enclosed : Branch Head / Authorised Signatory 4 Name : Signature of Bank Official/ Business Correspondent/ Business Facilitator in whose presence signed & Round seal of Branch/ Financial Inclusion Cell EMP. No. ate : M M

5 THE SARASWAT CO-OPERATIVE BANK LT. (A SCHEULE BANK) Savings Bank - Most Important Terms & Conditions (MITC) 1. The customer should maintain minimum quarterly average balance as may be required from time to time in the account and communicated at the time of opening of the account as well as sufficient balance to honour cheques issued to third parties. Changes in the Bank / Service charges or minimum balance requirements are displayed on the Notice Board of the Branches and on the website. The non-maintenance of the adequate balance shall automatically entitle the Bank to levy the charges for non-maintenance of the average balance. In such an event, the Bank shall have the first right to set-off any available credit that may be available in the account including from amounts flowing into the said account from the collection proceeds or any deposits. Notwithstanding the above, if the Bank is of the opinion that if the customer does not maintain the average quarterly balance and / or if the account remains a Zero balance account and / or the overall conduct of the account is not satisfactory, the Bank shall have a right to close the account by issuing thirty days notice. In the event, if the said account is funded within thirty days period the Bank may not exercise the said right of closure. If not, the Bank shall close the account without any further notice to the customer. 2. If there is no transaction in the account for 2 years the account automatically gets classified as an inoperative account. 3. In case of inoperative accounts, a request for activation of the account has to be made by the customer by submitting latest KC documents. 4. Any special instructions, both financial and non-financial in nature, like standing instructions, stop payment instructions, issuance of cheque books, emand rafts, Pay Orders, request for hot listing ATM/EBIT Cards, issuance of duplicate card / PIN must be communicated in writing. Otherwise, it shall not be binding on the Bank to comply with such instructions. Charges as applicable will be levieable to the customer. 5. The Current Bank Account entitles free access to SARASWAT BANK ATMs and Internet Banking unless otherwise stated. 6. Availing of the Anywhere Banking facility and the At Par Cheque facility is contingent upon the limits and service charges stipulated for these facilities. 7. Any change of address, mobile number, landline number, I, etc should be immediately communicated in writing to the Bank along with necessary documentary evidence. 8. The payee s name on the cheque deposited by the customer should strictly match with the names of the accountholders and as appearing on KC documents. 9. The bank at its option but at the risk and responsibility of the account holder may 1) Collect proceeds of the instrument lodged by the account holder from time to time. 2) Appoint an agent/s to collect the proceeds of the instrument lodged by the account holder and as such agent's appointed shall be the agent/s of the account holder to collect such instrument. 3) Recover proceeds of instrument lodged by the account holder by way of bank draft / cheques or any other mandate in lieu of cash. 4) Take action / steps as deemed necessary to have proceeds of the instruments lodged. 5) The bank is hereby empowered to recover the various charges, if any by debiting the same to the account holder. 10. Spl. Instruction for Term eposit : In the event of death of any of the joint depositors prior to maturity of the deposit or otherwise, the Bank will be, at the request of the surviving depositor or all surviving depositors at liberty though not bound and at its absolute discretion to add / delete any name, or to repay the deposit before maturity or grant an advance against the security thereof, on such terms and conditions as the bank may decide and such payment before maturity shall constitute a valid discharge to the Bank. 11. Auto renewal of term deposits : The Term eposits would be automatically renewed under the Auto Renewal Process on the date of maturity, at a rate of interest prevailing on the date of renewal and for the same period for which the existing deposit was kept. In case any depositor wishes to alter the period of deposit confirmation advice /s or withdraw the proceeds of the confirmation advice /s renewed under Auto Renewal process, they may do so as per Bank s prevailing guidelines in this regard in the Bank s eposit Policy on the website. 12. Our deposits are insured under the eposit Insurance and Credit Guarantee Corporation of India (ICGC) scheme. Acknowledgement - A 1 ate We acknowledge receipt of nomination made by you in favour of : Name of the nominee Age : years. with respect to your A/c Nos. Nomination is registered. ours faithfully, Signature of bank official with seal 5

6 13. ebit Card : International usage of the ebit card will be in accordance with the Exchange Control Regulation and in the event of any failure, the card holder will be liable for action under the Foreign Exchange Management Act 1999 and the amendments thereof stipulated by the Reserve Bank of India. The usage of the ebit card will be governed by the Terms & Conditions specified from time to time as decided by the Bank. The cardholder needs to accept full responsibility for the ebit card and agree not to make any claims against SARASWAT BANK, in respect thereto. 14. ATM Card : The usage of the ATM Card issued to special categories of customers will be in accordance with the rules and regulations. The Bank reserves the rights to suspend the services of ATM card unilaterally without any prior notice or assigning any reason. 15. Internet Banking : The usage of the Internet Banking facility will be bound by the terms and conditions (as given on the website) governing the Internet banking facility and the various services included under it. It is the duty of the account holder to protect and keep the User I and password protected, safe and secured. The account holder shall be fully responsible for any of the linked accounts getting debited based on the instruction(s) given by him and the Bank will not be responsible or held responsible and any claim or demand will not be made against the Bank in this regard. 16. SMS Banking : The account holders are responsible for the registration of SMS Banking for the Cell phone Number/s mentioned. The charges associated with these services will be as applicable. The account holder shall bear the charges charged by the respective mobile service provider for pull messages generated by him / her. In case of mistake on part of the account holder or that of the mobile service provider in respect of these services, the Bank will not be responsible and the account holders agree that no claim will be made against the Bank. 17. Mobile Banking : The usage of the Mobile Banking facility will be bound by the terms and conditions (as given in Mobile Banking registration form and as per the Mobile Banking policy) and the various services included under it. The charges associated with these services will be as applicable. The account holder shall bear the charges charged by the respective mobile service provider for the network facility availed by him / her. It is the duty of the account holder to protect and keep the User I and password protected, safe and secured. The account holder shall be fully responsible for any of the linked accounts getting debited based on the instruction(s) given by him and the Bank will not be responsible or held responsible and any claim or demand will not be made against the Bank in this regard. 18. A booklet on the Banking Codes and Standard Board of India (BCSBI) posted on the website shall be provided to the accountholders on demand. eclaration: I/We agree to abide by existing Rules, Terms and Conditions of all the schemes / accounts and facilities enumerated above and changed from time to time and also declare that 1. I / We am / are aware that SARASWAT BANK Ltd does not seek any information relating to login id / password in any form including through s from its customers. I / We agree and undertake that I / We shall never part with any sensitive information of my / our account especially through internet / / phone medium. I / We further agree and confirm that SARASWAT BANK Ltd. shall not be liable for any losses arising from my / our sharing / disclosing of login id, password, cards, card numbers or PIN (Personal Identification Number), cheque/s to anyone, nor shall make claims on the bank for any unauthorized use. I / We shall take all precautions to protect my / our account details so as to avoid any unauthorized use. 2. I / We agree to maintain a stipulated average balance in the Regular / Elite / Elite Silver/ Elite Gold Current account failing which, the Bank may deduct charges as per rules prescribed schedule of charges. 3. I / We agree to comply with and be bound by the Bank's Rules for the time being in force for the conduct of such account. I / We authorize the bank to collect bills, cheques, etc. for and on behalf of me / us and undertake to abide by and be bound by the Terms and Conditions in this behalf. 4. I hereby declare that I or any of my relatives have not been entrusted with prominent public functions in a foreign country e.g. Heads of States or Governments, senior politicians, senior government / judicial / military officers, senior executives of state owned corporations, important political party officials, etc. I hereby further declare that in case in the future, I or any of my relatives have been entrusted with prominent public functions in a foreign country as stated above. I will immediately notify the bank about the same. Signature of the Applicant/s : 6

7 THE SARASWAT CO-OPERATIVE BANK LT. (A SCHEULE BANK) FORM NO. 60 (See second proviso to rule 114B) Form of declaration to be filed by a person who does not have a Permanent Account Number (PAN) and who enters into any transactions specified in Rule 114B. 1. Full Name and Address of the eclarant 2. Particulars of transaction 3. Amount of Transaction 4. Are you assessed to tax : (please tick (ü) ) es No 5. If yes i) etails of Ward / Circle / Range where the last return of income was filed : ii) Reasons for not having permanent account number : 6. etails of the document being produced in support of address in column (1) Verification I, do hereby declare that what is stated above is true to the best of my knowledge and belief Verified today, the day of ate : Place : Signature of the declarant Instructions : ocuments which can be produced in support of the address are :(a) Passport (b) riving Licence (c) Copy of the electricity bill or telephone bill showing residential address (d) Any document or communication issued by an authority of Central Government, State Government or local bodies showing residential address. 7

8 THE SARASWAT CO-OPERATIVE BANK LT. (A SCHEULE BANK) FORM NO. 61 (See second proviso to Clause (a) of rule 114C{1}) Form of declaration to be filed by a person who has agricultural income and is not in receipt of any other income chargeable to income-tax in respect of transactions specified in clauses (a) to (h) of rule 114B 1. Full Name and Address of the eclarant 2. Particulars of transaction 3. etails of the document being produced in support of address in column (1) (please tick) es / No I hereby declare that my source of income is from agriculture and I am not required to pay income-tax on any other income if any. ate : Place : Signature of the declarant Verification I, do hereby declare that what is stated above is true to the best of my knowledge and belief Verified today, the day of ate : Place : Signature of the declarant Instructions : ocuments which can be produced in support of the address are :(a) Passport (b) riving Licence (c) Copy of the electricity bill or telephone bill showing residential address (d) Any document or communication issued by an authority of Central Government, State Government or local bodies showing residential address. 8