ATM Dec Charge?

Question

Hi All, I am having my salary accout in bank . But few days back 144 Rs/-(28.50 Rs * 4) were deducted from my salary account and when i looked into my mini statement it was described under "ATM DEC CHG". And when I tried to explore it over Internet, I found these charges are applied for when ATM of other bank declined to withdraw the money, if it doesn't have enough. So is it ethical to charge customer for this reason.Although i was having enough balance at that time. Moreever, it is also legal as per bank rule.

 

Answer 1

Dear Rama Mourty

If you had sufficient balance in your account, but the cash could not be dispensed due to certain technical reason of the other bank, no charges should get levied in your account.  Please check your account statement for the balances on the dates, when you tried to withdraw cash and charges were debited.  Making sure that adequate balances were available, while you attempted the withdrawal, you may get in touch with your base branch manager with a written request for reversal of the charges.  In the absence of proper response from the branch, you may complain to the bank's senior management and the process is as follows.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)

RAJA