Tuesday 22 March 2016

INTERNET BANKING

Q:Who is eligible for Internet Banking in Bank?
A:It is available to all Savings and Current account holders. In all cases, the customer/mandate holder should have the authority to operate the account with full permission.
Q:What are the benefits of using Internet Banking?
A: Internet Banking provides you a host of benefits like:
View your Banking, Investments, Credit Card and Loan account details online
Download bank account statements.
View and book Fixed Deposit.
Make online payments for utility bills and insurance premiums.
Make payments at merchant websites for their products and services using Direct Debit service.
Transfer money to your own accounts and to other third party bank accounts.
Track status of issued cheques and of cheques that are in clearing.
Issue stop payment instructions on issued cheques.
Request for Cheque Book, Demand Draft and more.
Update your profile and contact details.
Q:What are the different type of modes available to access Internet Banking?
A:One can opt for one of the following modes to access internet banking:
Inquiry Only (View only) - In this mode, one get access to check your account details & view you statements
Fund Transfer with Net Secure - one get the facility to transact online & transfer funds.
Q. What is Mobile Banking?
A:Mobile banking (also known as M-Banking, SMS Banking etc.) is a term used for performing balance checks, account transactions, payments etc. via a mobile device such as a mobile /cell phone.
Q.Who Can avail Mobile Banking Services?
A: Mobile Banking Services are available to all the Retail customers of Bank.
Q:. Why One should apply for Mobile Banking Services?
A:Mobile Banking facilitates the customers for availment of banking services round the clock with the help of mobile telecommunication devices. Customers can access bank accounts i.e. can check account balance, transfer funds, make bill payments etc through their mobile handset.
Q. Are there any pre requisites for availing PNB Mobile Banking Services?
A:One need to have account with the Bank, a valid mobile connection and handset supporting the services.
Q:. Do I need to register with particular Service Provider to use Mobile Banking Services?
A:No, the Mobile Banking Services are accessible through presently available Service Providers.
Q. How One can register for Mobile Banking Services?
A:One can register for the Mobile Banking Services by submitting request on the required application form at any Bank branch.
Q. What are the variants offered in mobile banking?
A:Currently mobile banking is offered in 4 variants:
Þ Application based
Þ Browser based
Þ Manual SMS
Þ USSD-(Unstructured Supplementary Services Data)
Q. What are the services offered through Mobile Banking Services?
A:SMS Mode:
i. View account balance
ii. Account Statement Request
iii. Online Mini Statement
iv. Self transfer of funds
v. Online stop cheque
vi. Cheque Book Request
vii. Cheque Status inquiry
viii. Changing SMS Password
ix. Message to Relationship Manager
Browser based and Application based:
i. Account Details
ii. Account Statement
iii. Bill Payments
iv. Offline Request (FD Opening, NEFT, RTGS)
v. Activity Inquiry
vi. View Balance
vii. Online Mini Statement
viii. Changing Login and Transaction Password
ix. Online stop cheque
x. Cheque Status inquiry
xi. Self transfer of funds
xii. Third Party Fund Transfers
xiii. IMPS(Immediate Payment Service)
USSD- (Unstructured Supplementary Services Data)
i. View Balance
ii. Account Details
iii. Nominee Details
iv. Online Mini Statement
v. Self transfer of funds
vi. Third Party Transfer of funds
vii. Cheque Status inquiry
viii. Changing Login and Transaction Password

Anil Aggarwal
Owner & Manager at Anil Aggarwal Coaching
(A proprietorship concern for IBPS exam guidance and Bank Interview preparation)
 Mobile:                               +91 9811340788
E-mail ID:         anilakshita@yahoo.co.in
Office: Flat #49, Trilok Apartments, Patparganj, I.P. Extension, Delhi-110092.

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