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ToThe Branch ManagerUnion Bank of India… BranchBranch addressSubject: Application for change of registered mobile number; and for net banking facility.Sir,I am a savings bank account holder of your bank-branch. I need to change my registered mobile number from … to … .Moreover, I also need to request you to issue me the internet banking user ID and password for accessing my bank account online. Thanks.Yours faithfully,your signatureBank account#…Date- …Place- …PS: The following blog post may be referred to for a few more specimens of similar letters to banks…A Guide to Write Letters to Bank (बैंकों को लिखे जाने वाले पत्रों की मार्गदर्शिका)

Bank normally charges a penalty for not maintaining a prescribed minimum balance in your account. But the Reserve Bank of India RBI has come out with instructions aganst this practice.In an attempt to provide some relief to customers, the Reserve Bank of India has asked banks not to charge any penalty for non-maintenance of minimum balance in dormant accounts. Savings accounts and current accounts are treated as dormant if there are no transactions for over two years.According to the RBI notification, banks should not take undue advantage of customer difficulty or inattention. Instead of levying penal charges for non-maintenance of minimum balance in ordinary savings bank accounts, banks should limit services available on such accounts to those available to basic savings bank deposit accounts and restore the services when the balances improve to the minimum required level.Banks should not levy penal charges for non-maintenance of minimum balances in any inoperative account. Banks should also limit the liability of customers in electronic banking transactions in cases where banks are not able to prove customer negligence, the RBI said.EDIT - I feel account holders should resist this high handedness despite RBI directions. They should write to their customer care that the penal charges are in blatant violation of RBI directions and should be waived off lest they lose a customer for wrong reasonsEDIT 2 - Please refer to circular number RBI/2014-15/308http://DBR.Dir.BC.No.47/13.03.00/2014-15There are clear directions(vi) It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance.But many banks clearly violate this specific and unambiguous direction. What should the account holder do if the bank balance tuns negative?Write to the bank manager drawing attention to this circular. “ Your kind attention is drawn to the RBI circular no. RBI/2014-15/308 vide which there is a clear prohibition —- (vi) It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance. You are requested to take immediate necessary action failing which I shall be constrained to approach the banking Ombundsman.If no satisfactory reply is received within a MONTH the concerned banking Ombundsman of the area may be requested to take suitable action. A list of the area wise Addresses of Banking OmbudsmenSl. No.CentreName & Address of the Office of Banking OmbudsmanArea of Operation1.AhmedabadShri G J Raju C/o Reserve Bank of India 5th Floor, Nr. Income Tax, Ashram Road Ahmedabad-380 014 STD Code: 079 Tel. No. 26575807/26582357/26586718 Email : [email protected] Click here to lodge complaintGujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu2.BengaluruMs Saraswathi Shyamprasad C/o Reserve Bank of India 10/3/8, Nrupathunga Road Bengaluru -560 001 STD Code: 080 Tel. No. 22277660/22180221 Fax No. 22276114 Email : [email protected] Click here to lodge complaintKarnataka3.BhopalShri V K Nayak C/o Reserve Bank of India Hoshangabad Road Post Box No. 32, Bhopal-462 011 STD Code: 0755 Tel. No. 2573772 2573776 2573779 Email : [email protected] Click here to lodge complaintMadhya Pradesh4.BhubaneswarShri S Behera C/o Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar-751 001 STD Code: 0674 Tel. No. 2396207/2396008 Fax No. 2393906 Email : [email protected] Click here to lodge complaintOdisha5.ChandigarhShri J L Negi C/o Reserve Bank of India 4th Floor, Sector 17 Chandigarh Tel. No. 0172 - 2721109 Fax No. 0172 - 2721880 Email : [email protected] Click here to lodge complaintHimachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana.6.ChennaiDr. Balu K C/o Reserve Bank of India Fort Glacis, Chennai 600 001 STD Code: 044 Tel No. 25395964 Fax No. 25395488 Email : [email protected] Click here to lodge complaintTamil Nadu, Union Territories of Puducherry (except Mahe Region) and Andaman and Nicobar Islands7.DehradunShri Arun Bhagoliwal C/o Reserve Bank of India 74/1 G.M.V.N. Building, 1st floor, Rajpur Road, Dehradun - 248 001 STD Code : 0135 Telephone : 2742001 Fax : 2742001 Email : [email protected] Click here to lodge complaintUttarakhand and seven districts of Uttar Pradesh viz., Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)8.GuwahatiShri Thotngam Jamang C/o Reserve Bank of India Station Road, Pan Bazar Guwahati-781 001 STD Code: 0361 http://Tel.No. 2734219/ 2512929 Email : [email protected] Click here to lodge complaintAssam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura9.HyderabadShri T Srinivasa Rao C/o Reserve Bank of India 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004 STD Code: 040 Tel. No. 23210013 Fax No. 23210014 Email : [email protected] Click here to lodge complaintAndhra Pradesh and Telangana10.JaipurShri C D Srinivasan C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No. 12 Jaipur-302 004 STD Code: 0141 Tel. No. 2577931 Email : [email protected] Click here to lodge complaintRajasthan11.JammuShri P Shimrah C/o Reserve Bank of India, Rail Head Complex, Jammu- 180012 STD Code : 0191 Telephone: 2477617 Fax : 2477219 Email : [email protected] Click here to lodge complaintUnion Territories of Jammu & Kashmir and Ladakh12.KanpurShri P K Nayak C/o Reserve Bank of India M. G. Road, Post Box No. 82 Kanpur-208 001 STD Code: 0512 Tel. No. 2305174/ 2303004 Email : [email protected] Click here to lodge complaintUttar Pradesh (excluding Districts of Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)13.KolkataShri Hauzel Thangzamuan C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700 001 STD Code: 033 Tel. No. 22310217/22133353 Fax No. 22305899 Email : [email protected] Click here to lodge complaintWest Bengal and Sikkim14.Mumbai (I)Dr. Neena Rohit Jain C/o Reserve Bank of India 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008 STD Code: 022 Tel No. 23022028 Fax : 23022024 Email : [email protected] Click here to lodge complaintDistricts of Mumbai, Mumbai Suburban and Thane15.Mumbai (II)C/o Reserve Bank of India, 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008 STD Code: 022 Telephone: 2300 1280 Fax : 23022024 Email : [email protected] Click here to lodge complaintGoa and Maharashtra, (except the districts of Mumbai, Mumbai Suburban and Thane)16.PatnaShri Brij Raj C/o Reserve Bank of India Patna-800 001 STD Code: 0612 Tel. No. 2322569/2323734 Fax No. 2320407 Email : [email protected] Click here to lodge complaintBihar17.New Delhi (I)Smt. Anupam Sonal C/o Reserve Bank of India, Sansad Marg, New Delhi STD Code: 011 Tel. No. 23725445 Fax No. 23725218 Email : [email protected] Click here to lodge complaintNorth, North-West, West, South-West, New Delhi and South districts of Delhi18.New Delhi (II)Shri R S Amar C/o Reserve Bank of India Sansad Marg, New Delhi STD Code: 011 Tel. No. 23724856 Fax No. 23725218-19 Email : [email protected] Click here to lodge complaintHaryana (except Panchkula, Yamuna Nagar and Ambala Districts) and Ghaziabad and Gautam Budh Nagar districts of Uttar Pradesh19.New Delhi (III)Shri V G Sekar C/o Reserve Bank of India Sansad Marg, New Delhi STD Code: 011 Tel. No. 23715393 Fax No. 23765234 Email : [email protected] Click here to lodge complaintNorth-East, Central, Shahdara, East and South-East districts of Delhi20.RaipurShri. Keshab Korkora C/o Reserve Bank of India 54/949, Shubhashish Parisar, Satya Prem Vihar Mahadev Ghat Road, Sundar Nagar, Raipur- 492013 STD Code : 0771 Telephone: 2244246, 2241819 Email : [email protected] Click here to lodge complaintChhattisgarh21.RanchiSmt Chandana Dasgupta C/o Reserve Bank of India 4th Floor, Pragati Sadan, RRDA Building, Kutchery Road, Ranchi Jharkhand 834001 STD Code : 0651 Telephone : 8521346222/9771863111/ 7542975444 Fax : 2210511 Email : [email protected] Click here to lodge complaintJharkhand22.ThiruvananthapuramShri G Ramesh C/o Reserve Bank of India Bakery Junction Thiruvananthapuram-695 033 STD Code: 0471 Tel. No. 2332723/2323959 Fax No. 2321625 Email : [email protected] Click here to lodge complaintKerala, Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).© Reserve Bank of India. All Rights Reserved.(Source - RBI wbesite)According to the scheme· ·6. When can one file a complaint?One can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of one month after the bank concerned has received one's complaint, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.8. What is the procedure for filing the complaint before the Banking Ombudsman?One can file a complaint with the Banking Ombudsman simply by writing on a plain paper. One can also file it online at (“click here to lodge a complaint”) or by sending an email to the Banking Ombudsman. There is a form along with details of the scheme in our website. However, it is not mandatory to use this format.14. What details are required in the application?Name and address of the complainant, the name and address of the branch or office of the bank against which the complaint is made, facts giving rise to the complaint supported by documents, if any, the nature and extent of the loss caused to the complainant, the relief sought from the Banking Ombudsman and a declaration about the compliance with conditions which are required to be complied with by the complainant under Clause 9(3) of the Banking Ombudsman Scheme.(Source -http://file:///C:/Users/User/Documents/001%20QUORA%20QUORA/Banking/Bank%20ombundman%20RBI.html

Hi,You can get ATM cum debit card immediately over the counter when you open a account with Union Bank of India,if it's okay that the ATM card would not have your name and initials engraved on it.If you need a personalized card when you apply for the same over the counter or online the application gets recorded, the card is printed and delivered to your home address. This usually takes 7 to 10 daysHope all is clear now.