Bangalore: ATM cards, money transactions and banks are an integral part of our lives. You trust banks and other institutions for all your financial matters, but there are some rights which most of us are unaware of. So here are few secrets which your bank hides from you, brought down by Rediff.

1. Your online account information will not necessarily be accurate all the time as ATM and online bank statement will show deposits available before the money actually comes in your account. It always good to carry some cash before you leave your house as depending entirely over ATM card can bring you into some unpleasant situations.   

2. Deduction made in the name of fine because of the failure on your part in the maintenance of the minimum balance is not allowed in any bank without giving you due information. Banks don’t have the discretion of debiting fines for non-maintenance of minimum balance from an account holder’s account without informing the holder about the term.

3. Bank is not authorized to deduct any amount from your account without hearing from you. It is the duty and obligation of the bank to ensure that proper hearing opportunity is given to the account holder.