Following requisites shall be ensured before issuance of cheque book to the customer: 1. For issuance of first cheque book, AOF will be considered as Cheque Book Issuance Request, whereas for subsequent issuance of cheque book, customer shall submit cheque book requisition leaf inside the existing cheque book. 2. Manual cheque book may be issued once to the new borrowers for withdrawal of loan amount, whereas for any other customers, personalized cheque books shall be issued. 3. Branch shall issue personalized cheque book to deposit customer. In exceptional cases, manual cheque book may be issued to deposit customer after getting approval from concerned AOM/ ROM/MBBO/SMBO. 4. Branch shall issue only personalized cheque book to all existing customers (2nd cheque book or lost cheque book/requisition). In exceptional cases, manual cheque book may be issued to a customer after getting approval from concerned AOM/ROM/MBBO/SMBO. 5. Cheque book shall preferably be delivered to the customer in person.
A. Process - Issuance of Manual Cheque Book Account Holder: Shall visit the branch and fill in the Cheque Book Request and present to Designated Officer. Designated Officer: i. Shall verify the signatures of the customer. Before processing of cheque book designated officer should ensure that sufficient funds are available in account for charges deductions. ii. Shall get a Cheque Book from Stock and complete formalities regarding its issuance by noting the details in Cheque Book Issuance Register, furthermore at each cheque book leaf the account number will be mentioned whereas the account title will be written on the covering page. iii. Will post cheque book into system with due care. Authorized Officer: Will authorize cheque book into system with due care with respect to serial number & number of leaves. Designated Officer: i. Cheque Book will be issued to the customer by taking customer acknowledgement (signature /thumb impression / as per SS card) in the Cheque Book Issuance Register. ii. Handover the cheque book to the customer after activation in the CBS.
B. Process - Issuance and Delivery of Personalized Cheque Book Account Holder or His/her Representative: Shall visit the branch and submit the Cheque Book Request duly filled and signed by account holder to Designated Officer. Designated Officer: i. Will receive the cheque book requisition and confirm the following information: a) Cheque Book requisition is properly filled and Customer’s signatures are verified as per SS Card. b) Before processing of cheque book designated officer should ensure that sufficient funds are available in account for charges deductions. i. After confirming all above, designated officer will accept the cheque book request and intimate the customer to collect cheque book after 3 to 5 working days. ii. Allot serial number of the cheque book as per sequence issued to the branch. Serial number shall also be mentioned on the cheque book requisition slip. Once serial number for cheque book has been issued from cheque books issuance register, designated officer will post the cheque book serial in CBS. Authorized Officer: i. Will authorize cheque book serial in the system after verification of original request. ii. Will ensure to process all requests for personalized cheque books before the cut off time by 4:00 pm daily. Account Holder or His/her Representative: Shall: i. Visit branch for receipt of cheque book. ii. Where account holder sends his/her representative, representative must possess an authority letter duly signed by the account holder along with valid copy of CNIC of the representative. Designated Officer: Shall i. Confirm from the stock whether cheque book of that particular customer has been received at branch. ii. Verify the signature of customer on authority letter and will obtain copy of CNIC of representative. iii. Bio-metric and Call Back Confirmation (CBC) must be conducted to establish the identity of the authorized representative. Where Call Back Confirmation (CBC) is unsuccessful, BM shall decide whether to process the case keeping in view the history of the customer. iv. Make entry in the “Cheque Book Issuance Register” along with signature of account holder (verified with SS Card) where the account holder comes to collect the cheque book himself otherwise signature of his/her representative shall be obtained and verified. v. Handover the cheque book to the account holder or his/her representative after activation in the CBS. vi. All cheque book requisitions for personalized cheque books will be kept separately in a file named “Cheque Book Requisitions (PCB)”
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