ATM / E-Commerce Services

Features of SAWJI Bank ATMs

  • Personalised cash withdrawals: Save time on your cash withdrawal transactions by pre-setting your preferred language / account / amount.
  • View account balances and mini-statements: Get a mini-statement of your account, with your account balance.
  • Change ATM PIN: Change your ATM PIN whenever you want.
  • Registration for Mobile Banking: Register for Mobile Banking and use our Banking services through your mobile.

Steps to be followed while using the ATM

  • Insert your card into the ATM
  • Leave the card in the terminal until the transaction is complete
  • Follow the instructions on the ATM screen
  • Do not force remove the card between the transactions as it would be latched by the ATM to read the chip (This is a small microchip embedded in your card. It is encrypted so transactions with your chip Debit Card are more secure.)
  • Collect your cash / receipt
  • Press CANCEL on the keypad before leaving the ATM

ATM Facility for visually challenged customers

SAWJI Bank's ATM machines for visually challenged customers operates on a voice guided system with braille enabled keys which can guide in transacting at the ATM.

Customers can hear a voice with the help of headphones for transaction guidance.

Any card can be used on the touch screen ATMs. For the remaining ATMs a special variant card can be used. Please contact your nearest Branch to apply for the same.

Important Do's and Don'ts while using ATM

  • Conduct your ATM transactions in privacy. Beware of suspicious movement of people around ATM or strangers trying to engage you in conversation.
  • Use your hand or body to shield your PIN while entering it.
  • Press 'Cancel' key before leaving the ATM and wait for the welcome screen. Remember to take your card, cash & transaction slip.
  • Register your mobile number with the Bank to get alerts for ATM transactions.
  • Inform the Bank, if the ATM / Debit Card is lost or stolen and immediately report any unauthorized transaction.
  • If the cash is not dispensed or your card is trapped inside, report to the Bank immediately.
  • Create a PIN which is difficult to guess & change it on regular basis.

ATM Security Tips

Stay alert
Check for a CCTV. Always ensures that, no one is inside the ATM Room except you, while accessing the ATM Services. Ensure to Enter PIN very securely (not visible to anyone). Ensure to bring back your ATM Card after transaction is over. Ensure to count dispensed cash from ATM as requested by you. Handling a dispensed cash is your sole responsibility.

Keep your PIN a secret
Your PIN is the most valuable security measure when you access your account through an ATM, so make sure you keep it a secret. Always block the view of the ATM keypad with your hand while entering the PIN. Never disclose your PIN to anyone, unless you trust them explicitly. Remember, banks will never ask for your PIN, so do not be lured by anyone who asks for it. Also, avoid writing it down anywhere; commit it to memory.

Choose the right location
Using a secured ATM is essential for your safety. Always use an ATM that is on a busy street or in a secure building. Avoid using an ATM after midnight or one that’s in a deserted place. Even if you are using the ATM at night, ensure it is not in a dark corner. Do not use an ATM if you feel the surroundings are unsafe or notice any suspicious persons lurking around.

Dont ask strangers for help
Allowing stranger or any unknown person in the ATM Room while accessing the ATM or asking for help from such person may cause security breach for your valuables. Do not allow any one in the ATM Room while you are accessing the ATM.

Ask your bank for assistance
Go to your bank for help if you face any issues while using their ATM. In some instances money may get debited from your account, but you may not receive it. Or you might not be able to access your account at all. Or your card may get pulled into the machine.

Check the ATM carefully
There have been instances where fraudsters have rigged inconspicuous electronic devices called skimmers that can record anything you input. So, inspect the machine carefully especially the keypad and card slot before you enter your PIN.

Need a know

  • Memorize – Memorize your PIN. Do not write it down anywhere, and certainly never on the card itself.
  • Do Not Share – Do not share your PIN or card with anyone including Bank employees, not even your friends or family. Change your PIN regularly.
  • Shield – Stand close to the ATM machine and use your body and hand to shield the keypad as you enter the PIN.
  • Beware – Do not take help from strangers for using the ATM card or handling your cash.
  • Be Attentive – Do not conduct any transaction if you find any unusual device connected to your ATM machine.
  • Don't Forget – Press the 'Cancel' key and wait for the welcome screen before moving away from the ATM.
  • Destroy – If you get a transaction slip, shred it immediately after use if not needed.
  • Report – If your ATM card is lost or stolen, report it to your bank immediately.
  • Verify – When you deposit a cheque or card into your ATM, check the credit entry in your account after a couple of days.
  • Get Alerts – Register your mobile number with the Bank to get alerts for your transactions.
  • Call Bank – If your card gets stuck in the ATM or cash is not dispensed, call your bank immediately.
  • Complaints – If you have any complaint about your ATM/Debit/Credit card transaction at an ATM, you must take it up with the bank.

E-Commerce Service

E-Commerce Service is used for Online payment by using Debit Card. Customer can use this service by using Debit Card details.