PLEASE

PLEASE

HATS OFF:

I am one among the common Public living n Tamil Nadu, India. I have my Savings Account in State Bank of India Due to my old age and lack of awareness I lost my ATM Card. I am a partially differently-abled person.

I approached the Customer Branch to get a new ATM Card, for my Designated Account. Within a week’s time, I received a New ATM Card. I really appreciate the quick action taken by the branch to serve the customer with ATM card. Hats off to the system.

SHOCK:

I opened the cover and got my ATM Card. Satisfied. Gone through the letter and opened the User Guide. The first topic in the Manual is,

IMPORATNT POINTS TO NOTE: The Passage runs as, ‘On receipt of your State Bank Global International Debit Card and User Guide, Please sign on the back of the card immediately’.

SELF ANALYSIS:

I asked myself ‘Why is it so?’

I thought that, it would be due to security purpose.

If it is for Security Purpose, my signature should be protected. I thought for a while. Some of the flashes that came to my mind are:

·        There is no ‘Signature Verification’ at the ATM then why is it necessary for us to sign on ATM Card?

·   If it is a must, then why it should be given deliberately?

·         If I miss my ATM Card, the one who finds my card can have the chance of practicing my signature.

POSSIBILITIES:

If I miss my total ‘Bank Package’ containing Passbook, Cheque Book and ATM Card, I can stop ATM withdrawl from my card by dialing on to the Toll free number.

I can stop withdrawl from my Cheque by making a written request to the to the Customer Branch.

Since, I am partially disabled and the bank is also not so close to my locality (in distance), it may take some days for me to stop withdrawl from my Cheque Book.

In the mean time, one who finds my ATM Card can practice my signature and make use of my Cheque Book to withdraw cash through my Cheque Leaves.

If, I stop withdrawl through my Cheque Leaves, one who finds my Bank kit can withdraw cash by putting signature on the withdrawl form along with the Passbook at the Cash Counter.

All these things are possible, if, I affix my signature on my ATM Card.

THREATS

One who practices my signature can affix the same in my official documents, and manipulate the same in other financial and property documents, where they need no photograph of mine.

If one finds my Bank Package (Pass Book, Cheque Book, and ATM) without my signature can submit it to the nearest Police Station or Concerned Bank or Related Bank or throw it in the dustbin. If anyone of these occurs, I will not be bothered or affected.

Let us think alternatively

If one finds my Bank Package with my Signature, . . . . . . .

His mind will be corrupted towards acting in multi various illegal dimension.

His Creative Thinking may lead to do illegal actions as a sort of Task or Achieving in a different way.

His mind will prevent him to submit the Bank Package in proper place, instead it will make him, call his friends to think and act upon the signature in a different manners.

 Thus, affixing signature on ATM Card has a chance of stimulating & transform a common man in  wrong directions. i.e it leads to Character and Behavioural Change in a person in negative or unforeseen directions.

FLASHES:

At this juncture as a common man I want to put some question.

·        Why the bankers do not foresee all these simple possibilities to err by affixing the signature on the ATM Card?.

·        If the signature on ATM Card is a must, then why ‘the reason for signature’ on the Card is not given in the kit provided while issuing ATM Card?

·        One’s Signature is equal to password to confirm the person. Deliberately, affixing the signature is equal to publicize one secret password. How one can publicize his Password?.

HOW TO:

Since, I am a common man, I could not find answers for these simple questions.

I want to know.

How to manage the situation?

How to rectify this issue?

How to secure myself?

How to avoid is trouble?

I request each of the reader to answer my questions and make me clear please.