Bank customers may need to finish important branch work before September 28. The United Forum of Bank Unions (UFBU) has called for a three-day nationwide strike from September 28 to 30.

The strike could affect services at physical bank branches, especially public sector banks. Staff participation may slow or stop services that require direct assistance from bank employees.

However, the strike does not mean that all banking services will stop. Digital payment systems and self-service facilities are expected to continue. Customers may still use ATMs, UPI, internet banking and mobile banking for regular transactions.

Cash deposits and withdrawals

Customers who need to deposit or withdraw cash at a bank branch could face problems during the strike. Branches may remain closed or operate with fewer employees. ATMs are expected to remain functional during the strike.

The Finance Ministry has also asked banks to maintain sufficient cash supplies at ATMs to meet customer demand.

Cheque processing may face delays

Cheque-related services could also be affected. Customers may face delays in cheque processing and clearing when transactions require physical handling or intervention by bank employees.

Those with urgent cheque-related work should consider completing it before the strike begins.

Demand drafts and branch services

Several other branch-based services could also face disruptions. These include demand draft issuance, account-related documentation and other services that require bank staff.

Customers who need access to bank lockers may also face difficulties if staff assistance is required.

Digital banking services expected to continue

Customers should generally be able to use UPI, internet banking, mobile banking and ATMs during the strike. Banks including State Bank of India and Canara Bank have advised customers to use digital and self-service channels where possible.

Customers can continue to transfer money, make UPI payments and check account balances through these platforms. However, digital banking cannot replace every branch service. Transactions involving physical documents, staff verification or over-the-counter processing may still require a branch visit.

September 30 is also half-yearly closing date

The strike comes at an important time in the banking calendar. September 30 marks the half-yearly closing date for banks. Branches and back-office teams handle additional reconciliation, settlement and other financial work around this period. The timing could therefore add to operational pressure during the strike.

Customers should plan branch visits

Customers with urgent branch-related work should complete it before September 28. Services that require bank employees, physical documents or over-the-counter processing could face delays during the three-day strike.