It is widely reported that many banks are asking the customers to use drop box to deposit cheques and thereby avoid providing acknowledgement for receipt of cheques. In this regard vide its Master Circular for Customer Service, RBI has clearly stated as follows:

Cheque Drop Box Facility

Both the drop box facility and the facility for acknowledgement of the cheques at regular collection counters should be available to the customers and no branch should refuse to give an acknowledgement if the customer tenders the cheques at the counters.

Banks should ensure that customers are not compelled to drop the cheques in the drop-box. Further, in the context of customer awareness in this regard, banks should invariably display on the cheque drop-box itself that

“Customers can also tender the cheques at the counter and obtain acknowledgment on the pay-in-slips”.

The above message is required to be displayed in English, Hindi and the concerned regional language of the State.

So next time when the bank refuses to give an acknowledgement for cheque deposits, you may quote the above directions from RBI.



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