Know What We Answer Of Your Question

This is a common confusion that what will be if a person is having an account in other branch of HCBL and want a locker in other nearby branch.  This is for general information of all the customers that locker can be obtained in any branch of your account is with HCBL.  But only a small condition will apply.  You will have to pay the locker fee in cash to that branch.  No account deduction will be possible.

Compulsion of KYC has been made to all the customers irrespective of having any type of account.  Even the customer having R/D account will also have to do KYC.  This is for the betterment of our customer. And if with the help of some of the IDs, you can get the faster accessing of all the services of bank, this is your benefit only.  So proceed on to have KYC.

Likewise if a person brings a cheque issued by other person, will it be paid?  No doubt, HCBL will give payment to the bearer against the cheque but will ask an Identity proof of the bearer just due to some security reasons.

Some customers also have the confusion that will they be eligible to send fund in the bank outside of Uttar Pradesh from their HCBL account.  We assure our customers that they can send money to any of the bank located outside of the Uttar Pradesh with the help of RTGS or NEFT facilities.  They will have to comply with the time frame decided for RTGS and NEFT.  Likewise ceiling limit of funds transfer per day will also have to be maintained.

In case some of the accounts are being operated in HCBL without having any KYC, will they be allotted with cheque book facility?  The straightway answer of the bank is “NO”.  Such account holders can withdraw their amount through withdrawal form only.  They will have to visit the concerned branch for taking withdrawals.  To avoid this inconvenience, KYC is asked from the individuals so that necessary ATM cards and cheque books can be issued.  This will facilitate the bank as well as the customer too.  The emergencies never come by messaging in advance.  It is quite possible that any need occur during closing hours of bank so it is better to have ATM card facility.  But to avail the same, customers are supposed to provide the KYC to their concerned branch.

HCBL also provide Sweep facility to its esteemed customer but also needs a fiscal support from them to keep maintain minimum balance in their account of Rs. 10,000.00.  In case the persons concerned have taken a withdrawal before 45 days, they will not be paid with the interest.

ATM card supply is one of the fastest features of account opening.  HCBL is able to provide the ATM card to the customer within one working day after opening of account. At HCBL, all the demand drafts of other banks are treated as the cheques from outward and require realization from the issuing branch.  Once the DDs and cheques are realized, you can get payment within the day.