Do's & Don'ts of ATM / Debit Card operation


Sign on the strip on the back of your card as soon as you receive it.

Always change the PIN as soon as you receive it.

if you observe any unauthorized card transactions in the account Immediately inform to the bank.

Check the area for suspicious-looking people before you approach the ATM. Leave the ATM immediately if you don't feel safe. Moreover, inform the Bank of such activity immediately.

Cover keypad while entering the PIN.

Be sure that you have your card and your receipt, after doing the transaction and then leave ATM Center.

Periodically verify the passbook entries to ensure its correctness. Any unauthorized card transaction, if observed, should be reported immediately to the Bank.

If your ATM/ Debit Card is lost or stolen, immediately Call the bank to block the card. For blocking the Debit Card please call on the help line no. 020-25478219, 9422312143, 9420495749.

Keep an eye on suspicious movements of people around ATMs. Beware of strangers trying to engage you in conversation.

Memorize your PIN (Personal Identification number) and destroy all physical evidence of the PIN.

Register your mobile number with the bank for getting SMS alerts for your ATM transactions.

Store the ATM-cum-Debit card carefully so that the card does not get damaged.

If you notice anything suspicious or any other problem arises after you have begun an ATM transaction, you may cancel the transaction and leave.

Once you complete your transaction, before leaving, be sure that ‘Welcome Screen' is displayed in the ATM and it is scrolling.

Please ensure that the card is swiped in your presence at POS (Point of Sale).

When you destroy your card upon expiry or closure of your account, cut it into four pieces through the magnetic strip.

Look for extra devices attached to the ATMs. These may be put to capture your data. Inform security / bank immediately if any such device found.


Never lend your card to anyone, even to your close relative / friend or even if anyone claims to represent the Bank.

Do not write your PIN on the Card or back of the Card.

Never share your PIN with any one including a family member or Bank personnel or in response to requests through email / FAX etc.

Never leave your card in the ATM.

Never attempt to use your Debit card at Merchant establishments that do not possess electronic point-of-sale (POS) swipe terminals.

Do not respond to any E-mail purported to have been sent by the Bank asking for your ATM PIN or other financial credentials. These are called PHISHING attempts. Bhagini Bank never asks any personal details like PIN etc. for any purpose.

Never enter your PIN in any ATM that does not seem to be genuine or seems modified/has a suspicious device attached/operating in a suspicious manner. Immediately inform the Bank if you find any such suspicious activity.

Don't use unattended (without Security Guards) ATMs Centers for your Safety.

Never carry your PIN in your wallet, purse or store it on your computer/communication device in the plain text.

Never let anyone see you input your PIN

Never use a PIN that could be guessed easily e.g. Your birthday or telephone number.

Never leave your card unattended, e.g. in the car, in a hotel room, at petrol pump, at work or at any merchant establishments.

Do not scratch the pin mailer. Tear the edge of the envelope turn to open for easy visibility of the pin.

Don't give information regarding your ATM card or PIN over the telephone to anyone. Bank never asks for such information over the telephone.

Don't display your cash; count the cash, keep it in your pocket safely and leave the ATM.

Don't disclose your credentials like PIN while taking assistance from anyone or from the security guard when using an ATM.