Sick/old/incapacitated account holders – Operational Procedure :
In case the old/sick/ incapacitated account holder can put his thumb or toe impression, the same may be accepted for withdrawal of money. It should be identified by two independent witnesses known to the bank, one of whom should be a responsible bank official.
– Where the customer cannot put even his/her thumb impression and also not able to present in the bank, a mark can be obtained on the cheque/withdrawal form which should be identified by two independent witnesses, one of whom should be a responsible bank official.
– Person to whom the payment is to be made may be indicated by the customer in both the above cases and he should be identified by two independent witnesses. The person should be asked to furnish his signature to the bank.
– As per the opinion obtained by IBA, a toe impression or any mark by a customer who lost both the hands can be taken for acceptance.
– Banks are required to take necessary steps to provide all existing ATMs / future ATMs with ramps so that wheel chair users / persons with disabilities can easily access them and also make arrangements in such a way that the height of the ATM does not create an impediment in its use by a wheelchair user.
– Banks are required to ensure that all the banking facilities such as cheque book facility including third party cheques, ATM facility, Net banking facility, locker facility, retail loans, credit cards etc., are invariably offered to the visually challenged without any discrimination.
– Banks are required to make at least one third of new ATMs installed as talking ATMs with Braille keypads
and place them strategically in consultation with other banks to ensure that at least one talking ATM with
Braille keypad is generally available in each locality for catering to needs of visually impaired persons.
– In respect of disabled persons with autism, cerebral palsy, mental retardation and multiple disabilities
Banks can rely upon the Guardianship Certificate issued either by the District Court under Mental Health
Act or by the Local Level Committees under the above Act for the purposes of opening / operating bank
accounts.