Citibank has been providing world class
banking services in India since 1902. It is our endeavor to
continue to provide ‘best in class’ products and services to
our customers. This document elucidates, in the context of
consumer bank accounts and loans, Citibank’s policies on Best
Practices that it follows as a bank.
of the Code|
|This code will apply to the following type
of accounts: |
- Savings account, Current account, Fixed Deposits
- Investment account, Demat Account,
- Safe Deposit Lockers
- Foreign Exchange Services
- Loans & Overdrafts
- Third Party Investments & Insurance products
- Credit Cards & Debit Cards
will act fairly and reasonably in all our dealings with all
our customers by: |
- Meeting the commitments and standards in this Fair
Lending Practice Code (“Code”), for the products and
services we offer, and in the procedures and practices our
- Making sure our products and services meet relevant laws
- Our dealings with the customer will rest on ethical
principles of integrity and transparency.
|We will help
the customer understand how our financial products and
services work by |
- Giving verbal information about the financial
products/services in plain Hindi and/or English and/or the
local language and written information in English;
- Ensuring that our advertising & promotional
literature is clear & is not misleading
- Explaining the financial implications of the financial
- Helping the customer to choose the financial
product/service that meets his needs
- Providing periodic & appropriate updates regarding
products that the customer has purchased
- Providing information on the benefits that our customers
are entitled to and how can our customers avail of them.
- Giving information to our customers on who they contact
for their queries
|We will deal
quickly and proactively with things that go wrong by: |
- Correcting mistakes quickly
- Handling customer complaints quickly
- Telling our customers how to take their complaint
forward if the customers are still not satisfied with our
- Reversing any bank charges that we apply due to our
We will not discriminate between our customers on the basis
of gender, physical ability, race or religion.
This Code will be put on our website
(www.citibank.com/india) and we will have copies available
for our customers on request.
Suitability & Information|
Helping the customers to choose products and services,
which meet their needs.
Before an individual becomes a customer, we will:
Give the individual clear information
explaining the key features of the services and products the
Give the individual information on any
type of account facility which we offer and which may suit
the needs of the individual;
Ask the individual clearly of what
information we need to prove the identity and address of the
individual and to comply with legal and regulatory
Request for additional information about
the customer and his family to build a database. However,
such information may be furnished by the customer only if
the customer wishes and we will not compel the customer to
give this information for opening the account.
We will tell our customers if we offer products and
services in more than one way through ATMs, on the Internet,
over the phone, or in branches.
We will inform our customers on interest rates and common
fees & Charges in more than one way through:
- Notices in our branches
- Through Citiphones
- Over the internet
- Through our service staff at Help Desks
- Through Schedule of charges that accompany the welcome
Once the customer chooses
an account or service, we will intimate the customer on how to
access/avail and use the account/service.
When a customer opens a single account or a
joint account, we will give the customer information on his
rights and responsibilities.
recommend to our customers that they avail nomination facility
offered on all deposit accounts and safe deposit vaults.
We will guide our customers how we will deal with deposits
and other assets held with us in the name of a deceased person
in the absence of nomination.
|We will place
notices in our branches informing customers of the prevailing
interest rates on deposits. |
also find out the interest rates by looking at our website or
calling up CitiPhone Banking|
|We will give
information on the interest rates that apply to our customer
accounts, and information on when we will pay interest on
deposits or charge debit interest on loan accounts. |
|We will also
explain to our customers how we apply interest to their
|When we change
the interest rates on our products, we will update the
information on CitiPhone Banking and our website within three
working days or as per the terms & conditions of our
contract/agreement with the customer. |
At the time of opening of the account, we will inform our
customers as part of the terms & conditions of the rate at
which interest is paid on savings deposits, how the interest
is calculated and its periodicity as per current Reserve Bank
of India guidelines.
We will give our customers details of any
charges applicable to the products/services chosen by them.
Customers can contact our staff or visit our website or call
CitiPhone Banking to get more information or seek
If we increase any of these charges (other
than interest rates) or introduce a new charge, the same will
be notified at least one (1) month before the revised charges
are levied / become due, and the customer has the option,
subject to applicable terms and conditions, to continue his
availment of the concerned product/service post any such
Specific charges for issuance of Cheque books, additional
Statement of accounts, Paid Debit cards will be included as
part of our Charge schedule which will be given to our
We will tell our customers the charge for any other service
or product before we provide that service or product.
We will give the relevant terms and conditions for the
products/services the customers have asked us to provide when
they become a customer or accept a product/service for the
We will ensure that all written terms and conditions are
fair and will set out rights and responsibilities of our
customers clearly and in plain language. We will use legal or
technical language only where it is necessary.
|We will tell
our customers how we will notify about changes to terms and
conditions, if any. |
Normally, changes [other than interest rates] will be made
with prospective effect giving notice of at least one (1)
month. If the changes are to the disadvantage of the customer,
the customer may close the account at any time within one
month (with in the notice period) from the date of the notice
without having to pay any extra charges or interest for doing
Changes in the interest rates on our
products [both deposits and advances] from time to time will
be notified as per Citibank’s policy/practice.
We will make sure that all advertising and promotional
material is clear, fair, reasonable and not misleading.
We will seek consent from our customers for
giving details of their name and address to any third party,
including other entities within Citigroup, for marketing
purposes through application form and or terms &
conditions and as part of customer contracts, loan documents,
overdraft / card agreements. We will ensure that such third
parties handle your personal information with the same degree
of confidentiality and security as we would.
We may from time to time communicate to you
various products that may be of interest to you or any other
promotional offers in respect of our product/services that
offer exclusive benefits to you, in case you do not wish to be
informed about such benefits/offers/products either through
Telephone calls, Short message Services, you may register for
our ‘ Do not Disturb/ Opt out facility by writing to us or by
registering for the same on our website.
We would like to provide our customers with
the entire range of financial services products, some of which
are our own products while some others are the products of our
group/associate/entities or companies with whom we have tie-up
arrangements. We will however tell our customers about our
associate / group entities or companies having business tie-up
arrangements with us and if our customers desire, direct their
staff / agents for marketing their products.
We have put in place a ‘Code of Conduct’ for the Direct
Selling Agencies and their staff whom we use for marketing our
asset products (Credit Cards, Loan products) and monitor
strict adherence to the same by such Direct Selling Agencies.
Privacy and Confidentiality
At Citibank, we are committed to protecting Customer
privacy & Customers right to information. According to our
global standards, as encapsulated in the Citigroup Privacy
Promise (detailed below), We will provide customer with a copy
of the Citigroup Privacy Promise and ‘opt outs” rights and
process for exercising these rights.
Customer Privacy will also be protected through relevant
disclosures that are required by local laws and regulations,
as part of Terms & Conditions.
While information is the cornerstone of our ability to
provide superior service, our most important asset is our
customers’ trust. Keeping customer information secure, and
using it only as our customers would want us to, is a top
priority for all of us at Citigroup. Here, then, is our
promise to our individual customers:
We will safeguard, according to strict
standards of security and confidentiality, any information
our customers share with us.
We will limit the collection and use of
customer information to the minimum we require to deliver
superior service to our customers, which includes advising
our customers about our products, services and other
opportunities, and to administer our business.
We will permit only authorized employees,
who are trained in the proper handling of customer
information, to have access to that information. Employees
who violate our Privacy Promise will be subject to our
normal disciplinary process.
We will not reveal customer information
to any external organization unless we have previously
informed the customer in disclosures or agreements, have
been authorized by the customer, or are required by law.
We will always maintain control over the
confidentiality of our customer information. We may,
however, facilitate relevant offers from reputable
companies. These companies are not permitted to retain any
customer information unless the customer has specifically
expressed interest in their products or services.
We will tell customers in plain language,
initially and at least once annually, how they may remove
their names from marketing lists. At any time, customers can
contact us to remove their names from such lists.
Whenever we hire other organizations to
provide support services, we will require them to conform to
our privacy standards and to allow us to audit them for
For purposes of credit reporting,
verification and risk management, we will exchange
information about our customers with reputable reference
sources and clearinghouse services.
We will not use or share – internally or
externally – personally identifiable medical information for
any purpose other than the underwriting or administration of
a customer’s policy, claim or account, or as disclosed to
the customer when the information is collected, or to which
the customer consents.
- We will attempt to keep customer files complete, up to
date, and accurate. We will tell our customers how and where
to conveniently access their account information (except
when we’re prohibited by law) and how to notify us about
errors which we will promptly correct.
- We will continuously assess ourselves to ensure that
customer privacy is respected. We will conduct our business
in a manner that fulfills our Promise in the many nations in
which we do business.
|In addition to
the our privacy promise, we will only provide information
relating to your account in the following cases:|
- If there is a duty towards the public to reveal the
information or it is necessary or appropriate to do so
- If our Interests require us to give information (to
- When our customers apply for a loan/Overdraft/Credit
card, we may pass such details For purposes of credit
reporting, verification and risk management, we will
exchange information about our customers with reputable
reference sources and clearinghouse
- We may give information to such credit reference
agencies about the loans/Overdrafts you hold with us, your
repayment track record and other appropriate details to
build yourCredit profile
- We may provide such credit reference agencies
information about day-to-day running of your account
provided we have your consent to do so
- We will tell you, in case requested by you how to get
information that credit reference agencies have about you
Whenever we give our customers any Loans/Credit Cards, we
- Explain the repayment process
- Amount, tenor and Periodicity of repayment
- Follow a defined process for recovery of dues
- Remind you telephonically or via email to make
- Make personal visits if required, will maintain decency
- Repossess the Asset/Security if required with an aim
only to recover dues and will not be aimed at whimsical
deprivation of the property
- Be fair & transparent in repossession, valuation
& realization of security
Our bank’s dues collection policy is built
on courtesy, fair treatment and persuasion. We believe in
fostering customer confidence and long-term relationship. Our
staff or any person authorized to represent us in collection
of dues or/and security repossession will identify
himself/herself and interact with you in a civil manner. We
will provide you with all the information regarding dues and
will give sufficient notice for payment of dues. Our employees
/ agents are governed by a detailed Citigroup Code of Conduct
that is modeled along the lines of the Code for Collection of
Dues and Repossession of Security issued by Indian Banks’
The members of staff or any person authorized to represent
our bank in collection or / and security repossession will
follow the guidelines set out below:
- All customers will be contacted ordinarily at the place
of their choice, In the absence of a specified place at the
residence of the customer and if the customer is unavailable
at the residence, at the customers place of
- The member of our staff will identify himself/herself in
the first instance
- We will respect privacy of the customer and all our
interactions will be in a civil manner
- We will call all our customers between 0700 hrs and 1900
hrs unless the special circumstance of your business or
occupation require you to be called otherwise outside of the
- Time and number of calls and the content of the
conversation will be documented
- All assistance will be provided to our customers to
resolve differences or disputes in a mutually acceptable
manner, if any as regards dues
- Inappropriate occasions such as bereavement in the
family or such other calamitous occasions would be avoided
for making visits/calls.
Complaints & Grievances
If the customer want to make a complaint, we will tell them
how to do this through notices displayed at the branches or
the customer can call CitiPhone Banking or send an email to
Within two (2) weeks of receiving a written customer
complaint, we will send a written acknowledgement.
If your complaint is made over the phone, we will register
the complaint and provide you with a complaint reference
After examining the matter, it will be our endeavor to send
the customer our final or other response within six (6) weeks
and we will tell a customer how to take the complaint further
if the customer is still not satisfied.
Details of the Banking Ombudsman are displayed in the
branch notice boards. Our staff would explain the procedure in
this regard to the customers.
We will request customers to provide feedback on our
services. This could be done through direct contact by our
staff or through specific customer satisfaction surveys that
we may conduct from time to time.
Customers may open different type of accounts with us such
as, Savings Accounts, Current Accounts, and Term deposits.
cover for deposits in force will be made available to you
under the insurance scheme subject to certain limits &
conditions offered by DICGC. |
- Before opening any account we will carry out due
diligence as required under” Know your customer’ (KYC)
guidelines laid down by the RBI and the banks procedures and
will require all our customers to submit necessary documents
as request under the Banks KYC policy
- We will provide all our customers with Account opening
forms that will contain checklist that provide details of
information that needs to be provided and documents to be
produced for verification.
- We will explain to our customers the procedural
formalities required to open a deposit account
|We will tell
our customers about operational guidelines for opening
accounts based on the nature of the account the customer
wishes to open. |
For bank accounts, we will inform you about number of
transactions, cash withdrawals etc, if applicable that can be
done for a given period.
For Deposit products like savings bank account, Current
account and term deposits, we will inform our customers about
the minimum balance that needs to be maintained as part of T
& C governing operations of such accounts
We will also tell our customers about levy
of any charges in case of failure to maintain prescribed
minimum balance in the account opened by our customers. In
case of any change to the minimum balance criteria and or the
charges to be levied in case of non maintenance of minimum
balance will be informed to our customers at least one month
To help a customer manage his account, we
will give account statements at regular intervals/as per our
policy, unless this is not appropriate/applicable for the type
of account that a customer has and the customer can also ask
us to provide account statements more often than is normally
available on the type of account, but there may be a charge
for this service.
The customer can also see his last few
account transactions on ATM/ touch access screens (KIOSKs) or
more details can be obtained by calling CitiPhone Banking or
by using Internet Banking (Citibank Online).
We will also send statement of accounts
to a customer by e-mail based on specific customer request.
We will tell our customers about the clearing cycle,
including when they can withdraw money after lodging
collection instruments and when they will start to earn
interest (if applicable).
We may give at our discretion immediate
credit to our customer's account for outstation cheques lodged
by them and should they require, we will allow the customer to
draw against such instrument[s] under collection as per
prevailing RBI guidelines. (Presently, instruments upto
Rs.15,000/- tendered by customers operating accounts
We will pay interest on funds involved if
collection is delayed beyond the normal period as stipulated
by RBI due to any delay on our part.
We will request all our customers to count
currency notes and ensure correctness of the concerned amount
before leaving the cash counter/ATM through appropriate
signage’s and through our interaction with the customer at the
We will intimate all our customers about the RBI’s clean
note policy through notices displayed at our branches and
request them to co-operate with us by remitting notes in
unstapled / unstitched conditions as required under the
prevailing RBI policy.
We will exchange soiled/mutilated notes as per RBI
Debits/ Standing Instructions|
We will tell our customers how direct debits/Standing
instructions work and how they may be cancelled.
We will act upon mandates given by the customers for direct
debits [say ECS] and other standing instructions subject to
availability of the funds.
If any money is erroneously taken from a customers account
under a direct debit, we will refund the amount debited sooner
it is determined that the account was erroneously debited.
issued by our customers|
We will keep original cheques paid from customer account or
copies, for such periods as required by law.
If, within a reasonable period after the entry has been
made on customer statement 14 days from the date of receipt of
the statement), there is a dispute about a cheque paid from
the customer account, we will give the copy of the cheque as
evidence if required.
We will tell our customers how we deal with unpaid cheques
and out-of-date/expired cheques.
We will accept stop payment instructions from our customers
in respect of cheques issued by them provided they have not
been cleared already and the customer has given sufficient
time to affect the instruction.
Charges if any for executing a Stop payment Instruction
will be communicated to our customers as part of the schedule
Premature withdrawal of term Deposits
- Our customers can enquire the procedure for withdrawal
of term deposits before the maturity of the deposit agreed
upon at the opening of the deposit account with our staff or
through Citiphone banking.
- We will declare the interest rate policy for premature
withdrawal of term deposits.
- We will inform all our customers on request the
applicable rate of interest along with the deposit rate
overdue term Deposits|
We tell our customers the rate of interest
rate applicable in case the deposit is to be renewed through
Interest rate leaflets at our branches, our website or by
calling CitiPhone banking.
We will offer overdrafts/loans against deposits to our
We will inform our customers the procedure to open and
operate a savings account for a minor on request.
|Dormant/Inactive Accounts |
- We will inform our customers the period after which the
account that is not operated will be classified as Inactive
and will also inform regarding charges, if any.
- We will inform our customers if they will be allowed to
transact such accounts and charges if any
We will not close customer’s accounts under
normal circumstances and without giving a reasonable notice.
Examples of circumstances that are not ‘ normal’ are including
but not limited to threatening, abusive behavior towards our
staff, improper conduct of account, not providing adequate
information regarding source of credit or purpose of
withdrawals including not cooperating to provide documentary
evidence if & when required.
Dues of Deceased Accounts|
We will inform our customers on request the
policy we have on settlement of dues on an account where the
account holder has deceased. The policy will cover all
accounts with or without nominations, with Mandate holders,
either or survivor accounts.
We will provide our customers complete details of how to
avail the safe deposit locker facility wherever we offer this
facility on request including a copy of the agreement &
charges whenever a customer avails a safe deposit locker.
We will provide details of the service, exchange rates and
charges that apply to foreign exchange transactions, which our
customers can make.
We will tell the customer how he can transfer money abroad
and will inform our customers about:
- A description of the services and how to use them;
- Details of when the money they have sent abroad should
get there and the reasons for possible delays, if any;
- The exchange rate applied when converting to the foreign
details of any commission or charges. (If
this is not possible at the time of the transaction, we will
let you know later what the rate is)
- We will assist our customers in rectifying/ completing
the documentation required to transfer money abroad in case
the information provided by the customer is not adequate.
- We will tell our customers the original amount received
and charges levied, if any, when money is transferred to
their bank account from abroad. If the sender has paid all
charges, we will not deduct any further charge.
- We will guide our customers about regulatory
requirements or conditions relating to foreign exchange
services offered by us as and when required.
Before we lend to a customer any money or increase
overdraft, credit card limit or other borrowing, we will
establish a reasonable belief, at our discretion, on the
customer’s financial standing.
- We will inform our customers the key features of our
loan products and credit cards features including Applicable
fee & other charges
- We will inform our customers what documentary
information may be required to establish the true identity
of the customer including address and other documents
stipulated by the regulatory authorities (PAN #)
- We will conduct a contact point verification by
contacting you on your residence/business telephone numbers
or physically visit residence/business address mentioned in
your loan/credit card application id required. Bank
employees will conduct this or an agency appointed by us.
- If we offer our customer an overdraft, or an increase in
existing overdraft limit, we will tell the customer if the
overdraft is repayable on demand or otherwise.
- Wherever possible and to the extent possible, reasons
for rejection of loans will be conveyed to the customers.
- We will communicate the interest rate applicable, as
also the Fee/charges for processing, prepayment option and
charges if any, so that a meaningful comparison can be made
with those of other banks.
- We will communicate the credit limit to our card
customers along with terms & conditions thereof
- We will process request for transfer of borrowal
account, either from the borrower or from other
While you apply for credit card, we will
explain the relevant terms and conditions such as fees and
interest charges, billing and payment, renewal and
termination procedures and any other information that you
may require to operate the card through the MITC in the
application form. These are also available on our website
- We will advise you of our targeted turn around time
while you are availing / applying for a product / service
We will send a service guide/member
booklet giving detailed terms and conditions, interest and
charges applicable and other relevant information with
respect to usage of your credit card along with your first
We will advise you our contact details
such as contact telephone numbers, postal address,
website/e-mail address to enable you to contact us whenever
you need to. You may write to us at Citibank N A, PO Box #
4830, Anna Salai Post Office, Chennai – 600002.
Alternatively, you can e-mail us at email@example.com
or call us at the Toll Free Number
1-600-220123 / Citiphone numbers details of which are
available in the Customer Service tab on our website.
If you do not recognize a transaction,
which appears on your credit card statement, we will give
you more details if asked. In some cases, we may need you to
give us confirmation or evidence that you have not
authorized a transaction.
We will inform you, through our service
guide / member booklet of the losses on your account that
you may be liable if your card is lost/misused.
Credit Card / PIN|
We will dispatch your credit card only to
the mailing address mentioned by you through courier/post.
Alternatively on request we may dispatch your card at the
branches which maintain your banking account.
- PIN (personal identification number) whenever allotted,
will be sent to you separately.
We will only send a Paid Credit/Debit
card if our customers ask for one or to replace a card
should our customers require and request. We may send our
customers a deactivated credit card if we consider their
profile appropriate for issuing a credit card. Such
deactivated credit cards will only become active if our
customers authorize us to make them active.
- We will dispatch the PIN and the card separately.
We will tell our customers about our
systems (such as touch terminals/KIOSKs) to allow them to
choose or change a PIN easily
We will extend a loan/Credit
facility/enhance credit limit on our customers card only
with their consent.
- To help you manage your credit card account and check
details of purchases/cash drawings using the credit card, we
will offer you a facility to receive credit card transaction
details either via monthly mail or through the internet.
Credit card statement will be dispatched on a predetermined
date of every month which will be notified to you. You may
also register with us for receiving your monthly statements
via e-mail in an encrypted & secure format assigned with
a unique password that will be notified to you. It is a
user-friendly format that can be downloaded for printing or
archiving for future reference.
- In the event of non-receipt of this information, we
expect you to get in touch with us so that we can arrange to
resend the details to enable you to make the payment and
highlight exception, if any in a timely manner.
- We will let you know / notify changes in schedule of
fees and charges and terms and conditions. Normally, changes
(other than interest rates and those which are results of
regulatory requirements) will be made with prospective
effect giving notice of at least one month. This notice will
be served through a message in your monthly statement.
We will treat all our customers’ personal information as
private and confidential and will not reveal details of
customers / customers accounts to a third party, including
entities in our group, other than in the following four
exceptional cases when we are allowed to do:
- If we have to give the information by law.
- If there is a duty towards the public to reveal the
- If our customers ask us to reveal the information, or if
we have their permission (through consent obtained as part
of terms and conditions ) to provide such information to our
group/ associate /entities or companies when we have tie-up
arrangements for providing other financial service products.
The Customer can Choose to opt out by putting a ‘Do Not
Disturb’ facility on all his accounts.
We will make appropriate security arrangements to safe
guard customer interest.
We will tell our customers what they need to do to help
protect misuse of their accounts.
We will take immediate steps when notified by
our customers to try to prevent any misuse in the event our
customer’s chequebook, ATM/Debit or credit card has been lost
or stolen, or that someone else knows their PIN [Personal
Identification Number] or any other security information.
This section details all about what a customer can do to
help prevent his account from being misused.
Our customers should make sure they let us know as soon as
possible when they change their:
-Phone number or
(if the customer wants us to communicate via email with them].
We recommend that our customers check their
account statement or credit card statement regularly. If there
is an entry which seems to be wrong, they should tell us as
soon as possible (14 days from the date of receipt of the
statement) so that we can resolve the problem to the
satisfaction of the customer.
If we need to investigate a transaction on
a customer account, we would request our customers to
co-operate with us and the police or any other statutory
authority, if we need to involve them. We shall be allowed and
constrained to disclose any information and/or take any action
as may be requested/directed by any statutory authority and/or
regulation including without limitation the RBI.
educate our customers to follow the advice given below to
prevent misuse of their accounts/other information: |
- Do not keep your cheque book and ATM/Debit cards
- Do not keep any blank cheque leaves signed
- Do not allow anyone else to use your card, PIN, password
or other security information
- If you change your PIN you should choose your new PIN
- Always memorize your PIN, password and other security
information, and destroy the notice as soon as you receive
- Never write down or record your PIN, password or other
- Always take reasonable steps to keep your card safe in
your personal custody and your PIN, password and other
security information secret at all times
- Keep your card receipts safe and dispose them of
- Never disclose your account details, password or other
security information to anyone.
- If you send a cheque through the post, it will help to
prevent fraud if you clearly write the name of the person
you are paying the cheque to and should be made account
payee by crossing the top left of the cheque and mentioning
account payee between the crossings.
- If you are paying a cheque into a bank account, always
write on the cheque the name of the account holder [ABC Bank
Account - XYZ]. You should draw a line through unused space
on the cheque so unauthorized person cannot add extra
numbers or names.
- Visit our internet banking site directly. Avoid
accessing the site through a link from another site and
verify the domain name displayed to avoid spoof
Ignore any e-mail asking for your password or
- We advise you not to use cyber cafés to access our
internet banking site.
- We advise you to update your PC with latest anti-virus
software regularly. A suitable firewall installed in a
computer to protect your PC and its contents from outsiders
on the internet would be an added security measure
- It is essential that you tell us as soon as you can if
you suspect or discover that:
-your cheque book, Account
Statements, ATM/Credit card has been lost or stolen or
-someone else knows your PIN, password or other security
- You can intimate us of the same either by calling our
Phone banking unit or by writing us through an email or by
visiting any of our branches.
- If you want to cancel a payment or series of payments
you have authorised, you should do the following:
stop payment of a cheque you can call CitiPhone banking, use
Internet banking or use touch access banking or write to us.
To cancel standing instruction given, you must send us a
To cancel a direct debit, you should
tell us and the originator of the direct debit. It may not
be possible to cancel payments if you do not give enough
notice of your decision to cancel.
- If you act fraudulently, you will be responsible for all
losses on your account/credit card. If you act without
reasonable care, and this causes losses, you may be
responsible for them.
We have a dedicated Compliance Officer who ensures
compliance of the Code. We also have internal auditing
procedures that will ensure we meet the Code.
We will make our best effort to make it easy
and convenient for senior citizens and disabled persons to
bank with us. This will include making convenient policies,
products and services for such applicants & customers.
Persons (Accounts of Illiterate / Blind person)|
- We may open deposit account (other than Current Account)
for illiterate person.
- We will inform the procedure for opening of the account
of such persons provided he/she calls on the bank personally
along with a witness who is known to the bank as well as the
- Normally, no Cheque book is provided , at the time of
withdrawal / Repayment of deposit amount and/or interest ,
the account holder should affix his/ her thumb impression or
mark in the presence of the authorized officer who would
verify the identity.
- We will explain the Terms & Conditions governing the
account to the illiterate/ Blind person
- We will make all efforts to make it easy &
convenient for Physically Challenged persons to operate
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transmitted by any means (electronic or mechanical)
and/or reproduced in any manner without the explicit
written permission of Citibank N.A.