TABLE OF CONTENTS
Program Introduction & Eligibility
Registration and Data Security
ATM Usage, Support, Safety & Security
Online & Mobile Banking Services
Program Introduction & Eligibility
What is MyAccount Project?
Who is eligible for the project?
Program Updates & Support
How can Beneficiaries keep up to date with updates and changes to the 'My Account' application?
How can Beneficiaries stay informed about updates and changes to the "My Account" project?
How can Beneficiaries keep up to date with updates and changes to the 'My Account' application?
Who should Beneficiaries contact if they have additional questions about "My Account" project?
Salary Disbursement
How will the beneficiaries receive their salary?
Will Beneficiaries continue to receive their salaries on dates announced by the KRG?
Can Beneficiaries choose to continue to receive their salaries in the public banks?
What should beneficiaries do when the amount of salary deposited in is wrong in the account?
Benefits & Features
Why are the Beneficiaries changing to this system? What are the benefits?
When can government employees expect to start using MyAccount?
What is a debit card and why should beneficiaries use it?
Fees
Are there any costs or fees associated with participating in “My Account” project?
Will there be any deductions in the Beneficiaries' salaries?
Program Enrolment
How can beneficiaries open an account under the project?
Can beneficiaries choose their own private bank?
How do beneficiaries activate "my account" and start using it?
Registration & Data Security
What is KYC and why is it important?
Will beneficiaries KYC information be shared with other parties?
Can beneficiaries update their KYC information before their account opening?
What documents do beneficiaries need to open an account?
Is the Beneficiaries' data protected?
Card & Pin
When and how will beneficiaries receive their debit card and PIN
What should beneficiaries do if they haven't received their card or PIN within the specified timeframe?
How can beneficiaries change their PIN or request a new one if they forget it?
ATM Usage, Support, Safety & Security
Where can beneficiaries find an ATM? Are there enough ATMs in KRI?
How do beneficiaries use the ATM for transactions?
How can beneficiaries ask for help if they still don’t know how to use an ATM?
What if the ATM doesn’t work?
Can beneficiaries withdraw money outside their region (e.g., Erbil)? And outside the country?
Are there any applicable fees for cash” withdrawals “at the ATMs
Are there any fees for balance inquiries or other non-cash transactions?
Are there withdrawal limits?
What should beneficiaries do if the ATM retains their card or doesn't dispense cash?
What if beneficiaries lose their debit card?
How can beneficiaries report an issue with an ATM, such as a malfunction or lack of cash?
What if beneficiaries' salaries isn’t available on the salary payment day?
What should beneficiaries do if they notice a suspicious activity or device on an ATM?
How can beneficiaries ensure the safety and security of their transactions at the ATM?
How can beneficiaries protect their card and PIN from theft or fraud at the ATM?
Bank Account Services
What types of accounts are available for beneficiaries?
How do beneficiaries check their account balance?
How can beneficiaries switch to another bank?
How can beneficiaries update their personal information or contact details?
Can I set up automatic payments or saving plans with MyAccount?
What happens if I close my bank account ?
Can I have multiple bank accounts?
How will beneficiaries know when their salary is transferred?
Banking Products & Services
Are beneficiaries eligible for loans or credit facilities?
How can MyAccount help me save money/gain more money?
Are there any special programs/services for senior citizens, students, low income individuals?
What types of financial products are available for beneficiaries?
Debit Cards Usage
What should beneficiaries do if their card is stolen, or their PIN is compromised?
How can beneficiaries change their debit card PIN?
How do beneficiaries request a replacement card or PIN if lost or damaged?
Banking Transactions
What is the transaction limit for the beneficiaries' accounts?
Can beneficiaries transfer money to other accounts or banks?
Can a debit card be used for governmental bills?
Can beneficiaries deposit checks into their own accounts?
Can beneficiaries withdraw all their salary at once?
Can beneficiaries withdraw their salary in USD as well or only IQD?
Online & Mobile Banking Services
Can beneficiaries access their account online or through a mobile app?
Can beneficiaries use mobile wallets or other digital payment services with their own accounts?
Complaint & Issue Resolution
How do beneficiaries file a complaint about the banking services provided to them as a beneficiary?
How do beneficiaries provide feedback on the program?
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