[This web page offers information on how banks open accounts of illiterate persons, blind and partially blind persons other disabled persons]
Blind, illiterate and other disabled persons can open and make certain bank account operations 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.
Accounts of Illiterate persons
Accounts can be opened in the single name of the illiterate person using thumb impression. However, the opening of a joint account with 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 checkbooks would be issued to illiterate persons.
Accounts of blind and low vision customers:
According to RBI guidelines, Banks should not equate visually impaired customers with illiterate customers. Banks should ensure that all the banking facilities such as cheque book facility including third party cheques, ATM facility, net banking facility, locker facility, retail loans, and credit cards are invariably offered to the visually challenged without any discrimination. Read more: Details of banking service available to blind and low vision customers
Accounts of old sick and physically disabled persons:
Banks are advised by RBI that 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, banks should help such old, sick and incapacitate persons are not willing to open joint accounts with other family members. Read more: Accounts of old sick and physically disabled persons
Accounts of disabled persons with autism, cerebral palsy, mental retardation or a combination of any two or more of such conditions
Banks were advised by RBI to rely upon the Guardianship Certificate issued either by the District Court under Mental Health Act, 1987 or by the Local Level Committees under the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities Act, 1999 for the purposes of opening / operating bank accounts by disabled persons with autism, cerebral palsy, mental retardation and multiple disabilities. Read more: Operations of bank accounts by disabled persons with autism, cerebral palsy, mental retardation, etc.