Conditions for the issuance of debit cards

1. These terms and conditions are incorporated into the direct debit card issuance request signed by the customer for the purpose of issuing a direct debit card, renewing, reissuing, replacing lost or damaged cards, or for any other reason. These terms and conditions apply to future direct debit cards issued on the customer’s account, including the primary card and any supplementary cards.

2. The customer understands that the bank’s debit card and PIN are the bank’s property and that the customer may not dispose of them in any way. The customer acknowledges that he/she has assumed full and complete responsibility for the proper maintenance of his/her direct debit card and PIN, and that he/she remains jointly and severally liable with the bank for any breach of this responsibility.

3. The bank reserves the right at any time and without prior notice or notification to the customer, to cancel and/or stop the use of the card and its PIN. The customer releases the bank from any cancellation procedures or transactions, as these are at the bank’s discretion and choice.

4. The customer acknowledges that he/she is fully responsible for maintaining the card and PIN and not allowing anyone, regardless of his capacity, to use either of them, as the customer is liable to the bank and other parties for any damages or losses incurred by either of them. Illegal use and/or misuse, regardless of the nature, whether intentional or unintentional, and to the extent determined by the bank, and without the bank being required to provide notice or notification.

5. The customer acknowledges that he/she is fully committed to safeguarding the card and PIN in order to prevent it from being stolen or lost, altering the data on it, or destroying or distorting its shape, and that he is obligated to notify the bank in writing of any of these events in a timely manner. Clear and explicit so that the bank can take appropriate measures, as the customer acknowledges that the bank is not responsible for any issues that arise as a result of his/her failure to notify the bank of these issues, most notably the loss of the card, for which he/she is required to send a written notice as soon as it is discovered. In all cases, the bank reserves the right to issue a new card and PIN to the customer if the information contained in his/her notification is confirmed, in exchange for payment of a new fee determined by the bank’s internal policies and/or the Central Bank of Jordan policies, in addition to any other expenses.

6. The customer is required to maintain sufficient funds in his/her bank account to cover all withdrawals made by him/her using the debit card, such that the customer is not entitled to withdraw from his/her overdraft account except pursuant to prior agreement with the bank on the account statement in the agreed manner and amount, and the bank reserves the right to transfer any funds from his/her other accounts to his/her aforementioned account to cover any statement that may arise. If the account is disclosed for any reason, the customer acknowledges and agrees that the disclosure procedure is correct and that the customer is obligated to pay any overdraft restriction in addition to all fees and commissions, including the account statement commission, in accordance with the bank’s internal instructions and the Central Bank’s issued instructions in this regard.

Additionally, the customer acknowledges that the bank’s records and accounts serve as conclusive and accurate evidence of all amounts owed to the bank, and the customer waives any objections. The client forfeits and waives any legal right to contest or object to these restrictions and accounts, and the client also waives any legal objection to requesting access to the bank’s books or records, auditing the bank’s accounts, or directing the decisive oath to the chairman and members of the board of directors, the General Manager, and/or the Bank’s employees.

7. The customer has the right to request cancellation of the direct debit card service, provided that the bank is notified in writing or via the bank’s approved means and in the circumstances deemed appropriate by the bank. In this case, the customer is required to immediately return the delivered card to the bank, provided that his/her obligation to the bank remains continuous until he/she has satisfied all of the bank’s obligations arising from the use of the card.

8. The bank reserves the right to immediately cancel the customer’s subscription to the debit card service and request that he/she return the card to the bank if the balances of his/her bank accounts are seized, or if a bankruptcy decision is issued against him/her, or if he/she stops paying, or if his/her assets are liquidated, or if any other action affecting the customer’s ability to pay his/her bank obligations occurs. In all cases, the bank’s obligations to the customer arising from the use of the card are immediately due and payable, without the bank needing to notify or inform him/her of the bank’s procedures in this regard.

9. The Bank is not liable for any loss or damage suffered by the customer directly or indirectly as a result of the ATM’s stoppage or malfunction, whether technical or non-technical, and/or in the event that the amounts deposited in the machine are not written down and/or as a result of an unintentional error on the part of the bank, and the customer releases the bank from any liability, damage, and/or loss resulting from such cases or otherwise.

10. The customer understands that when self-registering for electronic services, whether on the bank’s website, the ahli Mobile application, or ahli online, the customer’s debit card number and PIN will be used. As a result, the customer accepts full responsibility for this action and any risks associated with it, and he/she waives any right to object. These terms and conditions apply to electronic service subscriptions. Once the subscription is approved, the customer acknowledges that he/she agrees to these terms and conditions in addition to the electronic services terms and conditions approved by the bank.

11. The customer acknowledges his/her absolute, irrevocable responsibility for any withdrawals or transactions associated with his/her use of the card in the event of opening a joint account and obtaining separate cards that enable him/her to withdraw from those accounts, provided that each of them is authorized to sign, use the joint account independently, and dispose of partially and fully deposited amounts, and the bank reserves the right to suspend the account at any time without notice.

12. The Bank reserves the right to make modifications, additions, or changes to the services, products, and features provided under these terms and conditions without the customer having the right to object and without the Bank notifying him/her of such changes or modifications, or it is binding on the customer from the time such changes or modifications are made and is considered an integral part of the other terms and conditions contained in these Terms. Or if the entity that bears the card’s trademark, such as MasterCard, amends any of its terms and conditions.

13. The customer certifies that all information provided to the bank is accurate and agrees to provide the bank with any additional information that may become available as a result of any modification or change in the customer’s financial circumstances. Additionally, the customer acknowledges that the bank has the unrestricted right to obtain information about the customer from any person or entity, regardless of its nature. To ensure that the information provided by the customer to the bank is accurate without the customer having the right to object.

14. The customer acknowledges that the Bank is under no obligation to provide notice or notification regarding any matter arising from the performance of this obligation, unless the Bank wishes to provide notice or deliver messages to the customer, and the customer confirms that the address registered with the Bank is the authorized address for sending messages/mail to him/her.

15. The customer acknowledges that the laws, instructions, and legislations in force in the Hashemite Kingdom of Jordan, as well as any amendments thereto, shall apply to the relationship between him/her and the Bank, and that any instructions issued by the Bank or banking practices shall be deemed an integral part of this obligation and an integral part of the applicable laws. Jordan’s courts shall have jurisdiction over any claim, dispute, or disagreement arising out of the application of these Terms and Conditions, or in any matter relating to them or their interpretation.

16. The customer understands that the debit card is issued in accordance with the Bank’s internal approved policy to minors’ accounts held under guardianship and for their benefit (of the minor), and that the card is issued in the name of the guardian or beneficent for the minor’s account (a minor).

17. The Bank is authorized to renew both the primary card and the additional card after their expiration dates, subject to customer approval via the bank’s available methods and procedures, unless the Bank receives written notice from the customer prior to renewal.

18. The customer agrees to the Bank’s daily withdrawal/purchase/deposit/repayment/transfer or other transaction limit, which is subject to change without notice and applies to both the primary and supplementary cards.

19. It is understood and agreed that if the customer conducts any online transactions using the card, he/she is solely responsible for these transactions and that the Bank shall not be held liable for any misuse, whether with or without the customer’s knowledge or as a result of his negligence, electronic piracy, or any other use that results in a debit on the customer’s account.

20. It is understood that the Bank provides contactless card services at ATMs and points of sale without requiring the customer to enter the PIN, and that the Bank administration reserves the right to determine or amend these amounts at any time. The customer waives his right to object to these payments, and by submitting the card to perform the operation, the customer is deemed to have relinquished control of the PIN.

The Terms and Conditions for Issuing Additional Debit Cards

1. A primary card shall be issued in the name of the primary account holder, and/or an additional card shall be issued in the name of the individual/other user identified by the customer and approved by the Bank. In either case, the customer is responsible for all transactions made using the primary or additional cards, including safeguarding the cards and PINs, and for any loss incurred by the Bank as a result of card or equipment misuse.

2. Debit Cards are issued to the Customer’s current, savings and demand accounts or any accounts that the Bank deems fit, if they are active.

Debit cards are issued to the customer’s current, savings, and demand accounts, as well as to any other accounts deemed appropriate by the Bank, provided they are active.

3. A) Different types of debit cards are not issued to incompetent individuals. However, where the card is issued on guardianship or custodian accounts, or for the benefit of such accounts, the Bank’s internal policies, terms, and conditions apply, and the legal guardian/custodian bears full responsibility.

B) Cards are issued to customers with disabilities in accordance with the Bank’s terms and conditions and internal policies, as well as the Central Bank of Jordan’s instructions in this regard.

3. As with the primary cards, the customer’s additional debit cards will be suspended in the event of a conservatory attachment/seizure on the account.

4. No debit cards may be issued to customers on the prohibited list, regardless of whether the account is for a personal, sole proprietorship, corporation, or corporate body.

5. The customer understands that the secondary card will have the same benefits, privileges, and terms and conditions as the primary card.

6. The additional card may be issued in conjunction with a sub-account without being associated with the primary account.

7. It is understood and agreed that if the customer conducts any online transactions using the card, he/she is solely responsible for these transactions and that the Bank shall not be held liable for any misuse, whether with or without the customer’s knowledge or as a result of his negligence, electronic piracy, or any other use that results in a debit on the customer’s account.

8. The customer understands and agrees that he/she accepts the validity and accuracy of all financial and non-financial transactions made on any of his/her primary and/or supplementary cards and waives any right to object to them, and that he/she holds the Bank harmless from any liability arising from such transactions.

9. The customer acknowledges that additional cards are issued with the same remaining validity period as the primary card and/or as determined by the Bank.

10. The customer understands that if the primary card is cancelled, the Bank may cancel the additional card(s) on the account, as determined by the Bank.

11. The customer acknowledges that the Bank reserves the right, in its sole discretion and without prior notice, to cancel, suspend, or terminate any of the customer’s additional cards.

12. The customer acknowledges that the Bank reserves the right to amend the fees and commissions associated with the issuance, renewal, or use of the primary & supplementary card in the event that the issuer, such as Mastercard, modifies them, and in accordance with the Central Bank of Jordan’s enforced regulations in this regard.

13. The customer understands that all terms and conditions applicable to the primary debit card apply to the additional card, which must be viewed and approved in advance.

14. Any notice given by the customer via the Bank’s approved methods regarding the loss of the card, the PIN, or a request to terminate the service must be urgent and made immediately upon the occurrence of the reason for this. This notice shall detail the circumstances surrounding the card’s loss or theft, as well as the reason for the service’s suspension. The customer shall be released from all liability as soon as he/she notifies the Bank of the incident, and the Bank may, but is not obligated to, accept verbal notification via the Call Center or via the Bank’s website by entering his/her name and PIN, and the Bank shall bear no responsibility for any actions taken by the Security Organs in the event they are notified of the incident.

15. The customer acknowledges that reports extracted from the ATM system, Points of Sale, and other outstanding banking systems shall be deemed acceptable evidence for establishing the existence of deposits, withdrawals, and transactions, and shall serve as the sole basis for proof between the customer and the Bank.

16. The customer is responsible for any mistake/error that may occur as a result of depositing / transferring/repaying/ purchasing any amount in error from his/her account to the accounts of other people.

17. If there is a discrepancy between the amount debited during the cash withdrawal transaction and the amount actually received by the customer, or if the customer has not received any amount, or if there is a discrepancy between the amount credited during the cash deposit transaction and the amount actually deposited by the customer, the customer must notify the Bank in writing the next business day at the latest, or via the Call Center or electronic services.

18. The data displayed on the ATM screen shall be deemed to be part of the transaction’s terms, and the Bank’s word shall be considered acceptable evidence of these terms.

Terms and Conditions for Issuance of Debit Cards for Minors Accounts

1. The Bank may issue a debit card to the minor under guardianship’s account. In accordance with the bank’s internal policies, and that the guardian agrees to use the card solely for the benefit of the minor, whether through withdrawal or deposit.

2. Under no circumstances shall the debit card be issued for trusteeship accounts for the purpose of inquiry and credit.

3. When the minor reaches the legal age and in accordance with applicable laws, the debit card associated with the minor’s accounts shall be automatically disabled without reference to the guardian (parent).

4. The guardian (parent)/guardian agrees to protect and safeguard the debit card and PIN and to acknowledge the accuracy of the Bank’s balances, statements, and notices.

5. No additional card may be issued on the account of a minor.

6. In the event of the minor’s death (God forbids), the guardian must immediately notify the Bank, and all electronic services associated with this account will be suspended.

7. When the minor reaches legal age, the guardian agrees to sign an acknowledgment of the correctness of the account balances and the actions taken by him/her during his/her period of guardianship.

Debit Card Issue/Reissue T&C