Executive Summary – As retail banking customers, we face many issues while banking and some of us are not clear regarding the steps to be taken to resolve these issues. The common issues we face include loss of ATM card, loss of locker key, online fraud, dishonour of cheque etc. Here is a consolidated list of such issues and the resolution that may help you in these cases.

You should immediately call up your bank  and give  details of ATM (bank, location) and card details.
The bank usually has three courses of action- 
1) The bank can retrieve the card and send it to the branch that is most convenient for you and you can pick up the ATM card from there showing identity proof such as Permanent Account Number (PAN) card or
2) The bank can send the card to your address as per bank records.
3) The third way is to invalidate the card and send a replacement card to you with a different PIN.

There has been a rise in Internet and technology being used for criminal activities. Hackers can access your account using illegal means and misuse your money. If your account is hacked, you should inform the bank so that further transactions are blocked. You should then lodge a complaint with the Cyber crime court. You can use this application form and pay an application fee  via a bank draft. For example, in Maharashtra, the Cyber Crime court’s address is – Adjudicating Officer, c/o Directorate of Information Technology, 7th Floor, Mantralaya, Madam Cama Road, Hutatma Rajguru Chowk, Nariman Point, Mumbai – 400021
Most states would have a Cyber Crime court.

Most banks have a standard procedure to report stolen/misplaced/lost cards. The customer has to call up the customer service operations or visit the nearest branch and block/hot list the card. While doing this, you should know the credit card details, personal information etc. as the bank personnel might verify these details. This will ensure that further transactions are not allowed in the card and if it used, it may be traced.
The customer will then have to place a request for a replacement card. The bank will issue a new card that will reach the customer generally within 7-10 working days at a cost that has to be borne by the customer.

Sometimes the bank does not honour the cheque even if there are sufficient funds in the account or the bank misplaces the cheque. In this case, the bank is at fault. You should approach the bank personnel. The bank will cooperate if it is at fault as if you file a complaint under the Banking Ombudsman Scheme or Consumer Protection Act, the bank would get into legal trouble and will have to pay compensation.
If the cheque has been dishonoured because funds are not sufficient in your account, then you will have to pay a penalty. The person to whom you issued a cheque can also file criminal charges against you. If there is a problem in the cheque like wrong signature, error in amount etc. many banks may charge some amount as fine.
It is important to ensure that the cheque has all details written correctly and in legible writing and that there is sufficient funds in the account before presenting the cheque.