(Solved)Sbi transaction query- suspected transa...

(Solved)Sbi transaction query- suspected transaction

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Shopping Friend
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Seems it’s for a transaction my dad tried back in march. So I think nothing wrong here.
A big thanks to @getready, @just_asim, @imharsh, @161508, @balu44 for such immediate responses you guys are awesome.
Hello dimers.
I just saw statement of my dad’s sbi account and there’s one transaction titled as :
INSUF BAL ATM DECLINE CHARGE – 110220
and a amount of ₹23.6 is debited for that.
I asked my dad he said he didn’t used his atm neither on the mentioned date nor even anywhere close to that date.
What’s that transaction is for?? Is someone tried to withdraw money from my dad’s account???

38 Comments  |  
13 Dimers
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Deal Major
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Wrong OTP ?
Edit: This looks like ATM specific charge*

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Deal Cadet
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It happens when you try to withdraw more than available balance.

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Shopping Friend
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getready wrote:

Wrong OTP ?
Edit: This looks like ATM specific charge*

He don’t use his atm much. I do the transactions mostly.
Don’t remember any atm-otp based transaction but might have done. Do they charge for that???

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Deal Lieutenant
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just_asim wrote:

It happens when you try to withdraw more than available balance.

+1
yes

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Shopping Friend
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just_asim wrote:

It happens when you try to withdraw more than available balance.

@Imharsh
By using atm??
But as I said no withdrawal are done recently.

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Deal Lieutenant
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i think no penalty(not sure though) for online txn. if exceeded balance amt.
may be u tried in ATM to withdraw and now u forgot

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Shopping Friend
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Imharsh wrote:

i think no penalty(not sure though) for online txn. if exceeded balance amt.
may be u tried in ATM to withdraw and now u forgot

No bro.
The deduction is on 13th May and there’s no atm withdrawal from atleast 1.5 month.

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Deal Lieutenant
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Ash-D wrote:

@Imharsh
By using atm??
But as I said no withdrawal are done recently.

Transaction decline due to insufficient balance ₹20/- + GST

U must have tried and forgot. As you didn’t got the cash you might have thought something is wrong with machine or cash availability.

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Shopping Friend
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161508 wrote:

Transaction decline due to insufficient balance ₹20/- + GST

U must have tried and forgot. As you didn’t got the cash you might have thought something is wrong with machine or cash availability.

Bro if it’s for some atm withdrawal transaction it’s concerning as I am sure no withdrawal are tried recently.
As I said deduction is on 13th May few days back only.
And the atm withdrawal are not done from atleast 1.5 month.

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Deal Cadet
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Ash-D wrote:

@Imharsh
By using atm??
But as I said no withdrawal are done recently.

Charges appear or gets reflected late even sometimes by 15 days in actual statement

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Deal Lieutenant
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Btw it is not big balance also i don’t think any suspicious issue. If u still tensed u can contact SBI care

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Imharsh wrote:

i think no penalty(not sure though) for online txn. if exceeded balance amt.
may be u tried in ATM to withdraw and now u forgot

There’s penalty even for trying to transact online if balance is lower than demand debit but it gets charged as
POS DECLINE CHRGS

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Deal Subedar
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Ash-D wrote:

Bro if it’s for some atm withdrawal transaction.
As I said deduction is on 13th May few days back only.
And the atm withdrawal are not done from atleast 1.5 month.

Even for transactions(online payments, atm withdrawals) declined due to insufficient fund also penalty is same.

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Deal Lieutenant
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just_asim wrote:

Charges appear or gets reflected late even sometimes by 15 days in actual statement

yes i faced this issue as well, sometimes very late. also it is different kind of charges so may be they do monthly or quarterly. But i have not faced this situation so no idea

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Deal Subedar
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just_asim wrote:

Charges appear or gets reflected late even sometimes by 15 days in actual statement

+1. If penalty is due to insufficient fund then charges will be debited later. @ash-d check bank SMSes. SBI sends declined txns details.

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Deal Lieutenant
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Ash-D wrote:

Bro if it’s for some atm withdrawal transaction it’s concerning as I am sure no withdrawal are tried recently.
As I said deduction is on 13th May few days back only.
And the atm withdrawal are not done from atleast 1.5 month.

If you feel that I’m wrong, approach bank branch and seek explaination. If they also say this, and you are sure of your point, ask for video recording for that transaction.


This happens only after entering PIN, if any fraudster was doing this(as you are suspecting) then he may easily lower the amount and try again and withdraw.

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Shopping Friend
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just_asim wrote:

Charges appear or gets reflected late even sometimes by 15 days in actual statement

@balu44
Seems so bro.
I asked my dad he said he tried to withdraw one time in March so they might have deducted now for that.

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Shopping Friend
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161508 wrote:

If you feel that I’m wrong, approach bank branch and seek explaination. If they also say this, and you are sure of your point, ask for video recording for that transaction.


This happens only after entering PIN, if any fraudster was doing this(as you are suspecting) then he may easily lower the amount and try again and withdraw.

Yeah you are right fraudster would have tried with lower amount also.
But I think it’s for one withdrawal my dad tried back in march.

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Ash-D wrote:

@balu44
Seems so bro.
I asked my dad he said he tried to withdraw one time in March so they might have deducted now for that.

My personal opinion as sbi holder, it is common charges applied when you do transaction more than available balance only in case of online. No charges in offline. Even in online it applies either on debit card/NetBanking. I have lost 23*4 till this date.

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Deal Cadet
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@Ash
INSUF BAL ATM DECLINE CHARGE110220

SBI usually charges the penalty amount little late. I suppose the number in bold is most likely the date on which it happened. 11th Feb 2020?

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Shopping Friend
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andromeda wrote:

@Ash
INSUF BAL ATM DECLINE CHARGE110220

SBI usually charges the penalty amount little late. I suppose the number in bold is most likely the date on which it happened. 11th Feb 2020?

Yeah bro looks like the case now

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Deal Lieutenant
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rockingneo wrote:

My personal opinion as sbi holder, it is common charges applied when you do transaction more than available balance only in case of online. No charges in offline. Even in online it applies either on debit card/NetBanking. I have lost 23*4 till this date.

they charge for ATM withdrawal also

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Shopping Friend
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rockingneo wrote:

My personal opinion as sbi holder, it is common charges applied when you do transaction more than available balance only in case of online. No charges in offline. Even in online it applies either on debit card/NetBanking. I have lost 23*4 till this date.

Ohh might be possible although I don’t remember such transaction but might have happened

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Imharsh wrote:

they charge for ATM withdrawal also

I am the person who withdrawal only once in an year even that is too urgent and I have no other way. Last time went for withdraw on 28th November 2019 to pay cab person accepting cash only.

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Shopping Friend
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Thanks everyone
+kg to all.

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Deal Cadet
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Ash-D wrote:

Ohh might be possible although I don’t remember such transaction but might have happened

Yeah it’s easy to forget. And even people like you realise this by checking bank  statement for narrative not every sbi holder. I was also surprised at first since not every bank deducts like this.

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Ash-D wrote:

Thanks everyone
+kg to all.

Btw what is the reason of deduction bro

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Shopping Friend
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FIRESTORM wrote:

Btw what is the reason of deduction bro

Bro I think it’s for a transaction my dad tried in march.

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