2. ATM USAGE
(a) the Card may be utilized at any ATM for the following Transactions:
(i) to effect a debit to the Account by withdrawal of cash, any such debit being effected immediately;
(ii) to effect a credit to the Account by the deposit of cash or cheque, any such credit being effected either on the next working day (for cash deposit) or on the day of receipt of cleared funds (for cheque deposits);
(iii) to display the current balance of the Account on the ATM;
(iv) to give an account mini statement to the Card Holder;
(v) to order a cheque book or Statement relating to the Account; and
(vi) such other Transaction as may from time to time be made available by the Bank to the Card Holder including top-up of mobile phone airtime and transfer of funds between accounts.
(b) all withdrawals of cash from ATMs for each Card shall be subject to the daily cash withdrawal limit as notified from time to time by the Bank as well as subject to sufficient funds being held in the Account. The Card Holder agrees not to attempt to effect a withdrawal of cash unless a sufficient balance of funds is available in the Account. The onus of ensuring an adequate Account balance is entirely on the Card Holder.
(c) the Bank may, at its discretion, reserve a certain minimum amount to be maintained in the Account, below which a withdrawal Transaction will not be allowed, even if sufficient funds are available in the Account to allow the Transaction.
(d) in the absence of manifest error the Bank’s records as to any Transaction or its consequences shall be conclusive.
(e) when a Card Holder completes a Transaction through an ATM, s/he can opt to receive a printed Transaction record. However, for all cash/cheque deposit transactions at the ATM the Card Holder agrees that no receipt shall be issued by the ATM other than an acknowledgement of receipt of a cheque or envelope as the case may be and without express reference to the amount deposited.
(f) all cash and cheque deposits shall be subject to verification by the Bank and such verified amount shall be binding on the Card Holder.
(g) the Card Holder agrees that requests on the ATM such as cheque book requisitions shall be processed on the next working day.
(h) the Card Holder is advised to retain the record of a Transaction generated by the ATM.