Blind, illiterate and other disabled persons can open and make certain bank account operation using thumb impression. Bankers customarily extend helping hand to the disabled persons like sick/old/incapacitate who cannot be physically present to the bank, by offering special service to them.
A blind person can open the bank account in his single name. The opening of joint account of blind persons with other person/s is not allowed. The account holder should personally come to the bank, with a person (normally a close relative) to withdraw cash along with their passbook. The Authorized Officer of the Bank would compare the Photo and thumb impression available in the Bank’s record and allow withdrawal of the money from his/her account. No cheque books would be issued to blind persons. The cashier or the other responsible bank official alerts the account holder by orally informing him of the transaction taken place in his (blind person’s) account.
Accounts can be opened in the single name of the illiterate person using thumb impression. However, the opening of the joint account with the illiterate person is not permitted in banks. Such persons should personally come to the bank, with a person (normally a close relative) to withdraw cash along with their passbook. The Authorised Officer of the Bank would compare the Photo and thumb impression available in the Bank’s record and allow withdrawal of the money from his/her account. No cheque books would be issued to illiterate persons.
Other disabled persons
In the event of a customer who is too ill to sign a cheque and he cannot be physically present in the bank to withdraw cash. Bankers are familiar with several such situations, when old, sick and incapacitate persons are not willing to open joint accounts with other family members. Banks extend their helping hand and make them comfortable by offering special service to them. Normally one of the responsible bank officials would visit the account holder’s house and get the thumb/toe impression of the account holder. The thumb/toe impression of the sick or old or incapacitate persons shall be identified by two independent witnesses known to the bank and one witness from the responsible bank official.