Punjab National Bank (PNB) customers should prepare for important rule changes rolling out in 2026, affecting KYC compliance, inactive accounts, ATM usage, debit cards, and customer alerts. These updates are aimed at improving security, transparency, and service consistency across public sector banks—and may require timely action from account holders to avoid restrictions or extra charges.
Why These New Rules Are Being Introduced
The changes align with system-wide banking reforms guided by the Reserve Bank of India and implemented by Punjab National Bank. The focus is on reducing fraud, cleaning up dormant accounts, and ensuring customers receive clear disclosures and alerts.
PNB Rule Changes 2026 — Quick Overview
| Rule Area | What’s Changing in 2026 |
|---|---|
| KYC Compliance | Periodic updates mandatory |
| Inactive Accounts | Services may be restricted |
| ATM Usage | Free limits & charges revised |
| Debit Cards | Non-usage fees clarified |
| Alerts & Disclosures | SMS/Email alerts mandatory |
1. Mandatory KYC Updates
PNB customers must keep Aadhaar, PAN, address, and contact details updated. Accounts with incomplete KYC can face transaction limits until compliance is completed.
2. Inactive & Dormant Accounts
Accounts with no transactions for extended periods may be marked inactive, leading to restricted withdrawals or closures after notice. A small transaction can keep accounts active.
3. Changes to ATM Free Limits
Revised free ATM transaction limits apply; charges may kick in after the cap—sometimes even at own-bank ATMs—so plan withdrawals accordingly.
4. Debit Card Non-Usage Charges
Debit cards unused for long durations may attract maintenance or annual charges unless cancelled or opted out.
5. Mandatory Transaction Alerts
Customers must enable SMS and email alerts for transparency and fraud prevention. Unverified contact details may limit services.
What PNB Customers Should Do Now
Update KYC, verify mobile/email, review ATM usage, close duplicate accounts, and check debit card status to ensure uninterrupted banking.
Key Highlights for PNB Customers
- New rules effective through 2026
- Stricter KYC and inactivity monitoring
- ATM and debit card charges clarified
- Mandatory alerts for transactions
Conclusion
The PNB banking rule changes in 2026 are designed to enhance safety and clarity. Most compliant customers will see minimal impact, but timely updates and simple checks can prevent service disruptions and fees.
Disclaimer
This article is for informational purposes only. Exact charges, timelines, and enforcement may vary by branch and official notifications. Customers should confirm details via PNB’s official channels or their home branch.