INTRODUCTION:

Money is regarded as the driving force of modern economy and civilization. Banks are the vein
of circulating that money supply in the whole economy. Therefore, the role of bank is very
important is very facet of our lives especially in business and industry. People of all sections are
somehow related to banks. Perhaps some of us are depositors, some are creditors and some of the
rest may be the owners or employees of the bank. So bank requires exchanging various letters
with its different stakeholders. So the letters that are exchanged between the bank and its
customers with a view to performing banking activities are known as letters related to bank.

Generally, bank exchanged letters with its various customers and other parties for collecting
deposits, granting credits, and issuing letter of credits, transferring money, discounting bills,
collection and its other stakeholders for performing banking activities is known as letter related
to bank operation.

Therefore, any letter exchanged between bank and its clients or any other letter exchanged
between bank and its other stakeholders for performing banking activities is known as letter
related to bank operation.

CLASSIFICATION OR TYPES OF BANKING CORRESPONDENCE:

Any letter exchanged between bank and it clients or any other letter written by bank to any other
party else for performing its banking activities is known as bank related letter or banking
correspondence. Such banking correspondences may be of following types:

Letter exchanged between bank and its clines

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 Letter relating to opening of various accounts
Letter for issuing bank passbook and cheque book
Letter requesting to stop payment
Letter regarding dishonoring of cheque
Letter for granting bank overdraft
Letter for granting mortgage loan
Letter for realizing principal and interest
B. Letters Letter exchanged between bank and its Branch office or head office: The
followings are the most important of this category of bank letter:
Letter for forwarding the Clints loan or over draft proposals
Letters relating to training, promotion, transfer, discharge, retirement etc. of the employees
of both branch and head office
Letter written regarding branch administration
Letter relating to forwarding recommendations for expanding branch activities
C. Letters exchanged between two individual banks: The followings are prominent of this
category:

Letter written to other bank for supplying information about an approaching customer
Letter regarding issuance of L/C info our of any expectant customer
Letter relating to acceptance of any bill of exchange on behalf of a client

SAMPLE LETTER TO BANK FOR CHANGE OF NAME:

I have an account in your bank under my name, (name). I recently changed my name legally
from XYZ to ABC due to some astrological reasons. I want my new name to be entered in the
bank account records as well.

Old name:

New name:

I have also changed my name in all other identity certificates like voter ID, driving license, and

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PAN card. I have attached copied of all these documents for verification. I also have a legal
affidavit done for the same and a copy is also attached with this letter. I also had the change in
name published in the Times of India, dated (date). There is a copy of that newspaper column
attached.

I want the change in name to be entered in bank records as well including my passbook,
debit/credit card, cheque book, and internet banking username.

I would appreciate if you can send me my new debit/credit card and cheque book at my
residential address at the earliest with the new name on it. Please make sure the spelling is
correctly entered everywhere. For any questions regarding the same, you can contact me through
a written mail or phone call.

SAMPLE LETTER TO BANK FOR REFUND:

I have been a sincere account holder at your bank bearing account (account number). Last
month, a sum of Rs. 10, 000 was incorrectly deducted from my savings account on (date). I
claim a refund for the same.

I attempted to withdraw this amount from an ATM of your bank located at the below mentioned
address.

Address of the ATM:

The transaction was not completed and no cash came out of the slot. I received an error message
instead that said: your transaction could not be completed at this time. The man in charge of
that ATM also confirmed that the system was undergoing some issues. Recently, as I went to
update my passbook, I found the amount was debited on the same day via ATM.

There is absolutely no doubt that this was an erroneous deduction. Kindly scrutinize the error and
refund the amount back into my account. I would be grateful if this could be done without further
delay as I am undergoing a financial trouble these days due to recessive business.
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SAMPLE LETTER TO BANK FOR CREDIT CARD LIMITS INCREASE:

I have been a credit card user of your bank since a really long time and have always been sincere
at the time of payments and bills. I also have an account record of being punctual at the time of
payments. I now request of an increase of Rs. XXXXXX on my credit card limits.

I have recently joined a new job at ABC, which requires me to travel more than before quite
usually. My trips are usually sponsored by my company so there is absolutely no concern
regarding the payments of bills if I use a credit card for the purpose. The payment is made by the
company only after the trip is over and I present the statement of expenditure. I therefore need a
greater amount accessible from my credit card.

As you can see the last time I used a credit card on my trip to Canada, I almost exhausted my
credit card limits which became somewhat a hindrance for a few hours. Handling cash is rather
difficult especially while travelling so I would really appreciate if you approve my request for
increasing credit card limits.

SAMPLE LETTER TO BANK FOR CREDIT CARD RENEWAL:

I have submitted the documents required for an increase in credit card limit. I would be grateful
if my request could be processed faster.
This is to notify the bank that my credit card has crossed its validity date this month. I am writing
this to apply for the renewal of my credit card.

Credit card number: CXCXCXCX

Valid through: DD/MM/YYYY

All dues and payments on this credit card are cleared and there is no withstanding payment of
any creditor on this credit card.

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My job requires travelling from place to place which makes it really necessary for me to carry
my credit card at all times. I cannot delay in getting my card renewed at the earliest since my
next business trip is about to commence in a few weeks.

I would appreciate if you could get the renewal procedure of my credit card soon into action so
that I can continue to be an upright customer availing your credit card facility as I have been
doing since past 10 years.

I spoke about this to an executive at your bank but I wanted to confirm through this letter that the
renewal process must be forwarded soon. Kindly inform me the status of my request with a
written consent letter or a phone call.

REFERENCE:
http://www.careerride.com/view/sample-letter-to-bank-for-credit-card-renewal-11506.aspx