New Registration
Term and Conditions

1. Online Registration

If the customer wishes to apply for Net Banking services of Canara Bank online, kindly read the Terms and Conditions herein. The act of clicking "I agree" button on the Bank's web page hosting terms and conditions herein amounts to customer signing an agreement with the Bank for Canara Bank Net Banking services and customer consent to abide by the terms and conditions. The Net Banking Services will be extended only to the customer who is agreeing for the Terms and Conditions herein. If the customer does not agree to the Terms and Conditions herein, kindly click on "Disagree" button to exit.

2. Applicability

The Terms mentioned herein form the contract between the User using the Internet Banking services and the Bank. By applying for Internet Banking Services through all modes of registration available to the users and accessing the service the User acknowledges and accepts these Terms of Service (Terms & Conditions). All the services/ products purported to be offered hereunder will be denominated in Indian currency. Notwithstanding anything contained herein, all terms and conditions stipulated by the bank pertaining to the accounts shall continue to be applicable to the users provided in the event of a conflict in the terms stipulated by the bank and the terms herein, the terms herein shall have overriding effect. These terms will be in addition to and not in derogation of the terms and conditions relating to any account of the user. The agreement shall remain valid until it is replaced by another agreement or terminated by either party or account is closed, whichever is earlier.

3. Definitions

"BANK" refers Canara Bank, a body corporate established under the Banking Companies (Acquisition and Transfer of Undertakings) Act 1970 and having its Head Office at 112, J C Road, Bangalore 560002 in India and includes its successors and assigns.

"Website" refers to www.canarabank.in which is owned by Canara Bank for offering Internet Banking facility to its customer.

"Account(s)" refers to all the accounts maintained by the user with the Bank in whatever name they are designated, which are eligible account(s) for purposes of Net banking. One of these accounts shall be designated, as the primary account and all other accounts, if any, of the user shall be referred to as secondary account (s).

"Internet Banking /Net Banking" refers to the Internet banking service offered by BANK to the user which provide access to account information, products and other services such as Balance enquiry, transaction details in the Account(s), statement of Account, transfer of funds, bill payment and any other service as the BANK may decide to provide from time to time through Internet banking website www.canarabank.in. The Bank at its sole discretion may also make additions/ deletions to the Internet Banking Services being offered.

"User" means the customer or a person authorized by the customer to operate the account/s through Internet Banking facility. Any communication addressed to the user by Canara Bank, is deemed to have been addressed to the customer as well. Similarly, any communication and/or action of the user through Internet Banking facility provided by Canara Bank will be legally binding on the customer.

"User Id" refers to the identity of the user obtained from the Bank for the purpose of logging into the Internet Banking facility provided by the Bank.

"Login Password" is a unique and randomly generated password known only to the customer, which can be changed by the user to his/her convenience. This is a means of authenticating the user ID for logging into Internet Banking.

"Transaction Password" is a unique and randomly generated password known only to the customer, which can be changed to his/her convenience. This is a means of authentication required to be provided by the customer for putting through the transaction in his/her/their/its accounts with Canara Bank through Internet Banking. While User ID and Password are for valid access into the internet application, giving valid Transaction Password is for authentication of transaction/requests made through internet.

"Personal Information" refers to the information about the USER obtained in connection with the Internet Banking Service.

"Terms" refer to Terms and Conditions for use of Internet Banking Services as specified in this document.

4. Net Banking Services

The BANK shall endeavor to provide to the USER through Internet Banking services such as inquiry about the balance in his/her account(s), details about transactions, Statement of Account, Request for issue of cheque-books, Request for transfer of funds to own/third party accounts within Canara Bank and to other Bank accounts and many other facilities as the BANK may decide to provide from time to time. The Bank at its sole discretion may also make additions/deletions to the Internet Banking Services being offered without giving any prior notices or reasons.

The BANK shall take reasonable care to, ensure the security of and prevent unauthorized access to the Internet Banking Services using technology reasonably available to the BANK in India.

The USER shall not use or permit to use Internet Banking Service or any related service for any illegal, fraudulent, dishonest or improper purposes.

5. Net Banking Service Access

The Customer shall be allotted User ID, Login Password and Transaction Password by Canara Bank in the first instance. The user will be required to change the Login/Transaction password assigned by Canara Bank on accessing the Internet Banking services for the first time after his/her agreeing to the terms and conditions for Internet Banking . As a safety measure the user shall change the Login Password as frequently as possible thereafter or as and when the system requires for the same whichever is earlier. In addition, Canara Bank may at its discretion advise the user to adopt such other means of authentication including but not limited to digital certification and/ or smart cards issued by licensed or approved Certifying Authorities or vendors as it may deem fit.

The user agrees not to hold the bank liable for any failure to complete the transaction due to non-delivery or delay in transmission of Login/ transaction password/s. The user shall not attempt or permit others to attempt accessing the account information stored in the computers of the bank through any means other than the internet banking.

6. Password

a) The user acknowledges, represents and warrants that the password/ One Time Password (OTP) which will be issued to him/her provides access to the account and that user is the sole and exclusive owner and is the only authorized user of the password/OTP and accepts sole responsibility for use, confidentiality and protection of the password/OTP. The User is entirely responsible for the safekeeping/secrecy and use of password/s and OTP and any damage and other consequences of their misuse wherever applicable.

b) The customer understands and agrees that the transaction password is for the purpose of authenticating the transaction and shall have same effect as the specimen signature of authorized signatory of the customer and the customer shall be bound by the transactions initiated by the use of transaction password.

c) In the event of forgetting of user-id and/or password or expiry/ disability of password(s) User can request for change of the password through online option by entering the required details or by giving a written request to the Bank branch. The selection of a new password and/ or the replacement of User-id shall not be construed as the commencement of a new contract.

d) The user agrees and acknowledges that BANK shall in no way be held responsible or liable if the user incurs any loss as a result of compromise of User-id and password by the user himself or theft of or user has failed to follow the Internet Banking Service instructions as published by the BANK on the website from time to time. User agrees to fully indemnify and hold harmless BANK in respect of the same.

e) If third party gains access to the service in the customer accounts, the customer will be responsible and indemnifies Canara Bank against any liability, costs or damages arising out of claims or suits by such third parties based upon or relating to such access and use.

f) The User must:

  1. Keep the User-id and password totally confidential and not reveal the password to any third party;
  2. Change the password at the time of first log in;
  3. Create a password of at least 8 characters long and shall consist of a mix of alphabets, numbers and special characters which must not relate to any readily accessible personal data such as the USER's name, address, telephone number, vehicle number, driving license etc. or easily guessable combination of letters and / or numbers;
  4. Commit the user-id and password to memory and not record them in a written or electronic form; and
  5. Not let any unauthorized person have access to his computer or leave the computer unattended while using Internet Banking Services.

g) The customer shall have different Login password and transaction password for security reasons.

7. Unauthorized Access

The user shall take all necessary precautions to prevent unauthorized and illegal use of internet banking and unauthorized access to the accounts provided by Net Banking. The Bank shall take all commercially reasonable care to ensure the security of and to prevent unauthorized access to the internet banking using commercially reasonable technology available in India to the Bank.

8. Joint Accounts

The Internet Banking Services will be available in case of joint accounts only if the mode of operation is indicated as 'Either or Survivor' or 'Anyone or Survivor' or 'Former or Survivor'.

For 'Former or Survivor' account, user-id will be issued only to the 'Former'.

For 'Either or Survivor' and 'Anyone or Survivor' accounts one user-id will be issued to one of the joint account holders.

In case of 'Either or Survivor' and 'Anyone or Survivor' accounts if any of the joint account holder(s) gives "stopping of operations" instructions for the use of Internet Banking Service in writing, on any of the Internet Banking Service -accounts held jointly by them, the Internet Banking Services will be discontinued for the USER. In case of 'Former or Survivor' account such instructions cannot be issued by other account holder. All transactions arising from the use of Internet Banking in the joint account shall be binding on all the joint account holders, jointly and severally notwithstanding that one amongst such joint account holders only operates the accounts through Internet Banking Services.

9. Applicability to future Accounts

The bank and the user agree that if the user opens further accounts with/subscribes to any of the products/services of the bank, and the bank extends the internet banking to such accounts or products or services and the user opts for use thereof, then the terms of this agreement shall automatically apply to such further use of the internet banking by the user.

10. Maintenance of sufficient balance

The user shall ensure that there are sufficient funds (or prearranged credit facilities) in the account for transferring through the Internet Banking and Canara Bank shall not be liable for any consequences arising out of its failure to carry out instructions due to inadequacy of funds and/or credit facilities.

11. Funds Transfer

If funds transfer facility is made available to the user, then user may transfer funds from any of his account(s) linked to the User-Id to other account(s) belonging to own/third parties maintained at Canara Bank/ or at any other Bank.

The user accepts that he will be responsible for keying in the correct account number / other particulars of the beneficiary for the fund transfer request. In no case, the bank will be held liable for any erroneous transactions incurred arising out of or relating to the user entering wrong/incorrect/incomplete account number, information of the beneficiary and/or any other particulars. Also, in no case, the bank will be held liable for any erroneous transactions incurred arising out of or relating to the user entering any incomplete or undecipherable or unreadable or erroneous inputs keyed in by the user.

The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the Bank. In the event of overdraft created due to oversight/inadvertently, the User will be liable to pay the interest on such over drawn amount, as decided by the Bank from time to time.

The user shall not use or attempt to use the internet banking for funds transfer without sufficient funds in the relative account or without a pre-existing arrangement with the bank for the grant of an overdraft. The bank will endeavor to effect funds transfer transaction received through internet banking subject to availability of sufficient funds in the account. The bank shall specify from time to time the limit for carrying out various kinds of funds transfer or any other services through internet banking.

12. Limits

Bank may impose the limits for carrying out various kinds of funds transfer or any other services through Internet Banking from time to time. The User acknowledges that the same is to reduce the risks on him/her. For instance, the Bank may impose transaction restrictions within particular periods or amount restrictions within a particular period or even each transaction limits. The User shall be bound by such limits imposed and shall strictly comply with them. The Bank shall put an appropriate message on the relevant page or the website.

13. Liability of the User and the Bank

User shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake. User agree and acknowledge that any loss, damage, liability caused or suffered by the User due to disclosure of information of confidential nature shall be borne by the User without transferring any liability or responsibility towards the Bank. User shall comply with such guidelines, instructions or terms as the Bank may prescribe from time to time with respect to the password.

If the USER has complied with the Terms and advises the Bank in writing under acknowledgment of an authorized person of the Bank, immediately after he/she suspects that his/her password is known to another person and/ or notices an unauthorized transaction(s) in his account, he/she shall not be liable for losses arising out of the unauthorized transaction(s) occurring in the accounts after the receipt of such advice by the Bank.

The USER shall be liable for all loss from unauthorized transactions in the account(s) if he/she has breached the Terms and conditions or contributed or caused the loss by negligent actions such as the following: In disclosing or failing to take all reasonable steps to prevent disclosure of the User-id and/or password to anyone including Bank staff and/ or failing to advise the Bank of such disclosure within a reasonable time and/or Not advising the Bank in a reasonable time about unauthorized access to or erroneous transactions in the account(s) through the Internet Banking Services.

The Bank shall not be liable for any unauthorized transaction(s) occurring through the use of Internet Banking Services which can be attributed to the fraudulent, dishonest or negligent conduct of the User. The BANK shall not be liable to the account holder(s) for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the account holder(s) or any other person, if Internet Banking Services access is not available in the desired manner for reasons including but not limited to natural calamity, floods, fire and other natural disasters, legal restraints, faults in the telecommunication network or Internet or network failure, software or hardware error or any other reason(s) beyond the control of the Bank.

The Bank shall endeavor to take all reasonable steps to maintain secrecy and confidentiality of its customers' account(s) and data but shall not be liable to the account holder(s) for any damages whatsoever caused on account of breach of secrecy/ confidentiality due to unauthorized access, damage, disruption, hacking or technological lapses in the system. The bank shall not be liable for any loss due to unauthorized transfer of funds through unauthorized access, phishing attacks, hacking or by way of any other cyber attacks etc.

The customer should refrain from accessing the resources of the Bank for Internet Banking from public locations like browsing centers which are susceptible for hacking of passwords and other misuse. In any such case, the customer will be responsible and indemnifies Canara Bank against any liability, costs and damages arising out of such hacking or misuse.

The customer is aware and acknowledges that fund transfer to other Bank accounts through NEFT/RTGS are to be done within the hours notified from time to time by RBI. Thereby the customer accepts that the Bank shall not be liable in case the customer proceeds on the assumption that the transaction/request are carried out immediately as and when the same are submitted on the net.

14. Accuracy of Information

The user is responsible for the correctness of information supplied to Canara Bank for use of the Internet Banking or through any other means. Canara Bank accepts no liability for the consequences arising out of erroneous information supplied by the user. If the user notices an error in the information supplied to Canara Bank either in the application form or any other communication, he shall immediately advise Canara Bank which will endeavor to correct the error wherever possible.

15. Non-transferability

The grant of facility of Internet Banking Services to a USER is not transferable under any circumstance and shall be used only by the USER.

16. Authority to the Bank

The user irrevocably and unconditionally authorizes the Bank to access all his account/s for acting on any request made by the user through Internet Banking. The instructions of the user shall be effective only when such instruction is in accordance with the prescribed procedure. The Bank shall have no obligation to verify the authenticity of any transaction/instruction received from the user through Internet Banking. While Bank shall endeavor to carry out the instructions promptly, they shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever, including due to failure of operational systems or any requirement of law. All the transactions arising through the use of the Internet Banking to operate a joint account shall be binding on all the joint account holders, jointly and severally.

The display or printed output that is generated by the User at the time of operation of Internet Banking Services is a record of the operation of the Internet access and shall not be construed as the Bank's record of the relative transactions. The Bank's own records generated by the transactions arising out of the use of the Internet Banking, including the time the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transaction and shall be accepted as conclusive and binding for all purposes.

17. Proprietary Rights

There will be no obligation on the Bank to support all or any versions of the Internet software as may be required for offering Internet Banking. The User acknowledges that the software underlying the Internet Banking Services as well as other Internet related software which are required for accessing Internet Banking Services are the legal property of the respective vendors. The permission given by the Bank to access Internet Banking Services will not convey any proprietary or ownership rights in the above software. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Internet Banking Services or create any derivative product based on the software.

18. Disclosure of information

The user agrees that the bank or their contractors may hold and process his personal information and all other information concerning his account(s) on computer or otherwise in connection with the internet banking as well as for analysis, credit scoring and marketing. The user also agrees that the bank may disclose customer personal information to Government, judicial bodies, and our regulators or to any person to whom the Bank is under an obligation to make disclosure under the requirements of any law binding on the Bank or any of its branches, when situation so demands.

19. Change of terms and conditions

The Bank has the absolute discretion to amend or supplement any of the Terms at any time. The Bank may introduce new services within Internet Banking Services from time to time. The existence and availability of the new functions will be notified to the User as and when they become available. By using these new services, the User agrees to be bound by the terms and conditions applicable. The user shall be responsible for regularly viewing these Terms including amendments thereto as may be posted on the website.

20. Force Majeure

The User specifically agrees to hold Bank harmless from any and all claims, and agrees that Bank shall not be liable for any loss, actual or perceived, caused directly or indirectly by government restriction, exchange or market regulation, war, strike, virus attacks, denial of service attacks, equipment failure, communication line failure, system failure, security failure on the Internet, unauthorized access, hacking, theft, phishing, or any problem, technological or otherwise or other conditions beyond Bank's control, that might prevent User from accessing/operating or Bank from executing/validating an instruction, order, direction. User further agrees that he/she will not be compensated by Bank for "lost opportunity" in the form of notional profits/gains on orders, instructions, directions which could not be executed.

21. Notices

Notices under these Terms of Service (Terms & Conditions) to the customer may be given through any medium of communication as may be deemed appropriate by the Bank i.e. Bank's website (www.canarabank.in / www.canarabank.com) or email, SMS, public notification at Branches, or through newspapers, radio, TV etc. Such notices will have the same effect as a notice served individually to each customer.

22. Termination of Net Banking Service

The User may request for termination of the Internet Banking Services facility any time by giving a written notice. The User will remain responsible for any transactions made on his/her account(s) prior to the time of such cancellation of the Internet Banking Services. The bank may withdraw or terminate the internet banking facility anytime either entirely or with reference to a specific service or user after giving reasonable notice under the circumstances to the user through the web site. The closure of account by the user will automatically terminate the Internet Banking Services. The bank may suspend or terminate the Internet Banking Services without prior notice if the user has committed breach of any of these terms and conditions or the Bank learns of the death, bankruptcy, legal incapacity of the user.

23. Governing Law and Jurisdiction

These terms and conditions and/or operations in the accounts of the User maintained by the Bank and/or the use of services provided through Internet Banking Services are construed to be governed in accordance with the laws in India. Bank accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. It is the responsibility of the user to comply with any regulations prevailing in the country from where he is accessing the Internet.

Any dispute, controversy or claims in respect of Internet Banking services or on account of breach of these terms and conditions shall be settled by arbitration in accordance with the provisions of the Indian Arbitration and Conciliation Act, 1996.


In the event of dispute between Canara Bank and customer, an arbitrator shall be appointed by Canara Bank.


The place of arbitration shall be Bangalore, India and any award shall be made/deemed to be made for all purposes in Bangalore, India.


In case of failure to settle the dispute through arbitration, then the same shall be brought with the jurisdiction of the High Court in Bangalore, India

24. Disclaimer

The user expressly agrees that use of the website is at its sole risk and cost. The services offered on the website is provided on an "as is" and "as available" basis.

Except as warranted in the Terms, Bank expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in Internet Banking.

Bank does not warrant that access to the website and Internet Banking shall be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from the website or use, accuracy or reliability of Internet Banking. Bank will not be liable for any virus or computer contaminant that may enter the user's system as a result of the user using Internet Banking. Bank does not guarantee to the user or any other third party that Internet Banking would be virus or computer contaminant free.

The Bank has adopted the mode of authentication of the User by means of verification of the User ID and or through verification of password or through any other mode of verification as may be stipulated at the discretion of the Bank. The User hereby agrees/consents for the mode of verification adopted by the Bank. The User agrees that the transactions carried out or put through by the aforesaid mode shall be valid, binding and enforceable against the User and shall not be entitled to raise any dispute questioning the transactions.

25. Indemnity

In consideration of Bank providing the user the Internet Banking, the user shall, at his own expense, indemnify and hold Bank, its directors and employees, representatives, agents and/or sub-agents as the case may be, indemnified against all losses and expenses on full indemnity basis which Bank may incur, sustain, suffer or is likely to suffer in connection with Bank execution of the user's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing a service through Internet Banking for any action taken or omitted to be taken by Bank, its officers, employees, agents and/or sub-agents on the instructions of the user. The user will pay Bank such amount as may be determined by Bank to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.

Further, the user agrees, at its own expense, to indemnify, defend and hold harmless Bank, its directors and employees, representatives, agents, and sub-agents against any claim, suit, action or other proceeding brought against Bank, its directors and employees, representatives, agents, and sub-agents by a third party, to the extent that such claim, suit, action of other proceeding brought against Bank, its directors and employees, representatives, agents, and sub-agents is based on or arises in connection with the user of Internet Banking with reference to:

(i) a violation of the Terms contained herein by the user;

(ii) any deletions, additions, insertions or alterations to, or any unauthorized use of, Internet Banking by the user;

(iii) any misrepresentation or breach of representation or warranty made by the user contained herein; or

(iv) any breach of any covenant or obligation to be performed by the user hereunder.

The user agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

The user hereby agrees that under no circumstances, Bank's aggregate liability for claims relating to Internet Banking, whether for breach of in tort (including but not limited to negligence) shall not exceed the transaction charges/fees or consideration paid, if any by the user within the previous six (06) months for Internet Banking, excluding any amount paid towards transactions.

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