➤ If the address on the document submitted for identity proof by the prospective customer is same as that declared by him/her in the account opening form, then the document may be accepted as a valid proof of both identity and address.
➤ A rent agreement indicating the address of the customer duly registered with State Government or similar registration authority may also be accepted as a proof of address.Opening of accounts and Form filling: In the Account Opening Form the residential address, office address and alternative addresses (if the customer is employed/businessman) with phone numbers (residence/office/mobile/fax and alternative telephone numbers, if any) and e-mail id must be furnished.
The customer may also make nomination of the account at the relevant portion in the account opening application forms.
The particulars furnished by the prospective customer, after due verification and satisfaction must be entered in the relevant fields of the customer Id form and Account opening form in the system and duly authorized.
The customer identification number (CID Number) and the account number which are automatically generated by the system for the Current Accounts, S.B. Accounts and R.D. Accounts, must be written in the Passbook, Specimen Signature Card, Account Opening Forms and also the Account Opening Register which is specially maintained for the purpose to record the details of the accounts opened.
In view of the importance of credit discipline for reduction in Non-Performing Assets (NPAs) level of banks, banks should insist on a declaration from the account-holder about the credit facilities, if any, enjoyed with any other bank. The account-opening bank should ascertain all the details and should also inform the concerned lending bank(s).
Photographs: Branches should obtain recent passport size photographs of the customers at the time of opening of new accounts and compared with the prospective customer/account holder to satisfy about the resemblance and then only accepted.
In respect of Current and Savings Bank Accounts, one copy of the photograph each is to be affixed to the application form, the Passbook and the Specimen Signature Card.
In respect of accounts opened by illiterate persons and blind persons, three copies of recent passport size photographs have to be obtained. Further, passport size photograph of the depositor must be affixed on the specimen signature/thumb impression card, the pass book and the account opening form duly authenticated by the authorized officer. The signature of the Attesting Officer should be partly on the photos and partly on the account opening form/specimen signature/thumb impression card.
