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Banking & Financial Services Checklist

EAA Annex I Section IV Compliance Checklist

Blank checklist for offline completion.

Tick one box per row. Add comments and evidence references in the Notes column as needed.

Core Banking Functions

EAA Annex I §IV, Account information, transactions, and statements must be accessible.

Ref	Severity	Requirement	Status
EAA Annex I §IV	Critical	Account balance and transaction history are presented in accessible format.Balance and transactions must be real text in an accessible table, not images or canvas-rendered charts only. Screen readers must be able to read each transaction.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 3.3.2	Critical	Money transfer forms have all fields labelled with visible, persistent labels.Amount, recipient, reference, all fields need <label> elements. Use autocomplete attributes where applicable.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 3.3.4	Critical	Financial transactions require confirmation before execution, with ability to correct or cancel.Before a transfer is executed, the user must see a summary and explicitly confirm. Provide a cancel or back option.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 1.3.1	Major	Currency formatting and numbers are programmatically determinable.€1,234.56 must be readable by screen readers as 'one thousand two hundred thirty-four euros and fifty-six cents'. Use proper locale formatting.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EAA Annex I §IV	Critical	PDF bank statements are accessible (tagged PDF with reading order and structure).Monthly statements must be tagged PDFs with proper heading structure, table headers, and reading order. Image-only PDFs are non-compliant.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A

Authentication & Security

Ref	Severity	Requirement	Status
EN 301 549 §5.3	Critical	Two-factor authentication has an accessible alternative, not SMS-only.SMS codes require reading a text message and re-entering it, problematic for screen reader users. Offer push notification approval, authenticator app, or security key.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EN 301 549 §5.3	Critical	Biometric login (fingerprint, face) has a PIN/password fallback.Users who cannot use biometrics must have an equally functional alternative login path.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 2.2.1	Critical	Session timeout warnings are provided with at least 20 seconds to extend.Banking sessions timeout for security. Warn the user before logout and allow extension. The warning must be accessible (announced by screen readers).	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 3.3.8	Major	Login does not require CAPTCHA without an accessible alternative.Visual CAPTCHAs exclude blind users. Use invisible CAPTCHA, device attestation, or phone verification.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A

Financial Tools & Calculators

Loan calculators, budgeting tools, and interactive financial features.

Ref	Severity	Requirement	Status
WCAG 2.1.1	Critical	Loan and mortgage calculators are fully keyboard-operable.Sliders for loan amount, term selectors, and rate inputs must all work with keyboard. Provide direct input fields as alternatives to sliders.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 3.3.2	Major	All calculator inputs have clear labels describing expected format.'Loan amount (€)' not just an empty field. Indicate format requirements, 'Monthly income before tax'.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 4.1.3	Major	Calculation results are announced to screen readers.When the user clicks 'Calculate', the results must be announced via aria-live, not just visually displayed.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 1.1.1	Critical	Charts and graphs have text alternatives or accessible data tables.Portfolio pie charts, spend analysis graphs, all need a text alternative. Provide the underlying data in an accessible table.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A

Communication & Messaging

Secure messaging, chat, and customer notifications.

Ref	Severity	Requirement	Status
WCAG 2.1.1	Critical	Secure messaging / in-app chat is screen-reader compatible.The inbox, compose form, and message thread must all be navigable by screen reader. Use proper heading structure and form labels.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 4.1.3	Critical	Alerts and notifications are available in text and announced by screen readers.Transaction alerts, security warnings, and account notifications must not be audio-only or visual-only. Use aria-live regions.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EAA Annex I §IV	Major	Customer support is available through at least two communication channels.Phone and email, or phone and chat. Users who cannot use one channel must have an alternative. The EAA requires the entire consumer banking service, including support, to be accessible to persons with disabilities.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A

Branch & ATM Services

Physical service locations and ATM accessibility.

Ref	Severity	Requirement	Status
EAA Annex I §IV	Major	Branch/ATM locator is accessible, provides text list alongside map.Map-based locators must have a text list alternative with addresses, accessibility information, and opening hours.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EAA Annex I §IV	Major	ATM accessibility information is published (which ATMs have audio, wheelchair access).Each ATM listing should indicate whether it has audio guidance, wheelchair-accessible height, and tactile keypad.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EAA Annex I §IV	Major	Card activation and PIN change processes are accessible online.If card activation requires a phone call, provide an accessible online alternative. PIN change must work with keyboard and screen reader.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EAA Annex I §IV	Critical	ATMs provide audio guidance via headphone jack for blind users.ATMs must support audio-guided transactions through a standard 3.5mm headphone jack in a tactilely locatable position. All on-screen options must be spoken. See the Self-Service Terminal Checklist for detailed ATM hardware requirements.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
EAA Annex I §IV	Major	Alternative channels exist for services that normally require branch visits.If a service (large cash withdrawal, account closure, document signing) normally requires a branch visit, an accessible remote alternative should be offered, video call, secure messaging, or postal option.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A
WCAG 3.3.4	Critical	Payment and transfer confirmations allow review, correction, or cancellation.Before executing a financial transaction, present a clear summary showing amount, recipient, and fees. Allow the user to go back and correct details. Provide a cancellation window after execution where feasible.	☐ Pass ☐ Partial ☐ FAIL ☐ N/A