It has been stressed a lot several times by the State Bank of India, that sharing your ATM Card is non-transferable. A woman from Bangalore who was on her maternity leave learnt the SBI’s rule the hard way. It is an incident on 2013 November 14 Vandana who was pregnant at that time gave her debit card to her husband Rajesh Kumar to withdraw a sum of Rs 25,000 from an SBI ATM nearby.

To withdraw the money, Vandana provided the ATM PIN to her husband. But the series of events took a different when the ATM machine showed a slip where it mentioned that the money was debited. However, the sum of money was never released from the ATM!

When the ATM failed to dispatch the money, husband Rajesh gave a call to the bank and mentioned the happening. However, the bank responds that the ATM machine was at fault. The bank also stated that the money would be reverted to the account within 24 hours. After days the money was not credited back to the account Rajesh complained to the SBI’s Helicopter Division branch at HAL. This has changed the course of the story. SBI shut down the case in a matter of few days. The bank mentioned the transaction was correct and the customer received the sum of money.

The couple managed to get the CCTV footage of the date when Rajesh went to take out the money. The footage showed money was dispatched from the machine. Then couple again lodged a complaint with the bank. This time, an investigation committee was formed at the bank which ruled that account and cardholder Vandana was not seen in the footage. SBI recalled their ‘non-transferable’ rule and claimed that the account holder was not the ATM user. Thus it holds the right to turn down the money claims made by the couple.

Tips and tricks in order to avoid such situations

At first, we need to kill the bad habit of handover our Debit and credit cards to another person. Just like Vandana who provided the ATM PIN to her husband to withdraw the money. According to the rule from the SBI mentions that one other than the account holder should use it.