Citizen Banks ATM withdraw money anytime anywhere

You do not need to spend time waiting in queues at the branch to perform your transactions. An ATM provides you with most of the banking services. What’s more, you can use The Citizen Co-op. Bank Ltd. ATM Card at any Citizen Bank or over 1,00,000 NFS shared ATMs in India.

Features & Benefits

  • Save Time : By banking at the ATM, you save on time spent traveling to the branch or waiting for a teller.

  • 24x7 banking : At the ATM, you don't need to worry about reaching before closing time and banking on holidays.

  • Security Features : When you bank at the ATM, you can make the most of its secure features like daily transaction limits and ATM receipts that help you keep track of your monies..

  • Daily Transaction Limits : You can withdraw up to the following amounts per day from the ATM depending on your account.

  • Savings Account: Rs 25,000/-

  • Current Account: Rs. 35,000/-

Bank has joined National Financial Switch (NFS) for providing ATM access to our customers across India.NFS is the network which facilitates routing of ATM transaction through inter connectivity between banks’ switches thereby enabling customers to utilize any ATM of a connected bank. Under this arrangement 1,00,000 plus ATMs of 54 member banks are available to our customers using our Bank’s cards. More Banks are joining NFS network, the same can be found out by visiting NPCI Site Click here

ATM Complaint

Customer's complaint on failed transactions to be resolved by bank within 7 working days from the date of receipt of complaint, failing which customer is entitled to compensation for any delay of Rs100 per day by the card issuing bank (If complaint is lodged within 30 days of the transaction). For more details please log on to notification DPSS.PD.No.2632 / 02.10.002 / 2010-2011

Download Complaint Form

ATM Rates & Charges

Charges Head Charge
Annual Fee Rs 100/- p.a. plus taxes (1st year free)
Additional Card Rs 100/- per card plus taxes.
Replacement of a Damaged Debit Card 150/-
Replacement of A Lost Debit Card Rs 150/- per card plus taxes.
Pin Replacement Rs 50/-
Cash Withdrawal / Balance Enquiry
Other banks ATM for Savings A/c
a) Cash Withdrawal/Balance Enquiry
Free for the first five* transactions in a calendar month. From 6th transaction onwards cash withdrawal will be charged at Rs 20/- per transaction(inclusive of service tax) & balance enquiry will be charged at Rs 10/- per transaction(inclusive of service tax)
*Includes both financial (cash withdrawal) & non-financial (balance enquiry) transactions.
Other banks ATM for Current A/c holders and Overdraft A/c holders
a) Cash Withdrawal
b) Balance Enquiry
Charges of Rs 20/-(inclusive of tax) per cash withdrawal for every transaction.

  • What is an Automated Teller Machine (ATM) ?
    Automated Teller Machine is a computerised machine that provides the customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.

  • What should one do if he forgets PIN or the Card is sucked in by the ATM?
    The customer may contact the Card issuing bank branch and apply for retrieval/issuance of a new Card. This procedure is applicable even if the Card is sucked in at another bank's ATM.

  • What should be done if the Card is lost/stolen?
    The customer may contact the Card issuing bank immediately on noticing the loss so as to enable the bank to block such Cards.

  • Is there any minimum and maximum cash withdrawal limit per day?
    Yes, banks set limit for cash withdrawal by customers. The cash withdrawal limit for use at the ATM of the issuing bank is set by the bank during the issuance of the Card. This limit is displayed at the respective ATM locations. For cash withdrawals at other bank ATMs, banks have decided to maintain a limit of Rs. 10,000 per transaction. This information is displayed at the ATM location.

  • Do banks levy any service charge for use of other bank ATMs?
    No charges are payable for using other banks' ATM for cash withdrawal and balance enquiry, as RBI has made it free under its "Free ATM access policy" since April 01, 2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, banks charge maximum of Rs. 20 per transaction. The customer may lodge a complaint with the Card issuing bank. This process is applicable even if the transaction was carried out at another bank's ATM.

  • How many days maximum would the bank require after a complaint is lodged?
    As per the RBI instructions, banks may re-credit the customer account within a maximum period of 7 working days.

  • Are the customers eligible for compensation for delays beyond 7 working days?
    Yes, effective from July 17, 2009, banks shall have to pay customers Rs. 100 per day for delays beyond 7 working days. This shall have to be credited to the account of the customer without any claim being made by the customer.

  • Will the new Card have the same number as the old one?
    No, the Card number will be different.

  • What are the charges for requesting a new Duplicate Card?
    Rs 150/-.

  • My CITIZEN BANK Card is not working. What could be the reason?
    There are two possible reasons for this: You may have entered an incorrect APIN (ATM PIN) thrice at an ATM, therefore your CITIZEN BANK Card is blocked Your CITIZEN BANK Card may be damaged.

  • How can I get a fresh CITIZEN BANK Card and PIN?
    Please submit Application

  • Can I use my CITIZEN BANK Card to withdraw cash in ATMS other than CITIZEN BANK ATMs?
    Yes, you can use your Citizen Bank Card at any ATM that is part of the NFS Network. These ATMs can be identify ed by the prominent display of the NFS . A nominal charge will be levied for transacting at non-CITIZEN BANK ATMs.

  • Which are the non-CITIZEN BANK ATMs from where I can withdraw money?
    You can withdraw money from any ATM which are in NFS Network.

  • Can I use my CITIZEN BANK Card abroad?
    No, your CITIZEN BANK Card cannot be used inter-nationally.