How to use Net Banking Facility

In today's era, Net Banking Facility has become most important. In fact it is a most important tool available in the hands of banks customer. Now they don’t need to visit bank frequently. In fact since then I activated net banking facility I never visited to my bank branch for normal banking function. But you know there are less awareness for this banking tool. People still visit to their bank even to make small small deposits and standing in long long queues waiting for their turn. Oh..How embarrassing is this! Now here I am presenting a series of net banking facilities usage which will make you smart to manage your finance in a less time consuming way

Series 1

Before we are going to start, first you have to remember some basic points to maintain security each time you login to your Personal Banking

     1. Don't go to cyber cafe to use the Internet banking Facility.

     2. Always open private browsing tab available on your browser(by clicking safety button)  

How to apply for Internet Banking Facility

You have to visit to your Bank Branch for the same or call the customer care department of the bank they will guide you. Once you will complete one time application formality they will provide you an envelope through courier containing your User id and Passwords There will be two passwords one is for Login and another for Transaction (Difference between both you will understand in the later series). If you found the envelope opened while taking delivery, informed immediately your bank through a simple call to their customer care department and they will take your complaint regarding this. Friends, this will indemnify you for any loss of account information theft or wrong transaction done from your account.

How to Login to use Internet Banking Facility

Open the envelope. You will see here two passwords. Now visit to the home page of your Bank’s Website by typing website address(Remember don't type your bank name on Google to find out the website address, type correct website address directly on the address bar of your browser). There you will find a tab named Login to personal banking/internet banking/retail banking etc. Click on the same. It will redirect you to another page on the same website. The message shown there will be an information to you what are you doing and the effective way to use. You just need to click on the tab Continue to Login on the bottom of the page. Then again page will be replaced by another page asking you the user id/Cust id and password. Now may be your envelope does not contain user id/customer id specifically, check the title of the envelope some time it contains cust id above your name, if you does not find it there you can find it in your Cheque Book and if you have not availed cheque book..call directly to customer care department, after getting some personal information they will provide you the cust id/user id.

Now put this cust id on the page as informed in above para and type the password you received in the envelope. Now there are two passwords, you have to put here only Login password. After typing the same click the submit button. You will be redirected to a page which will ask you to change the password immediately for security reasons. Then follow the instruction for the same. Remember, password should contain numeric, special characters and alphabets (e.g. @rut98765) and login and transaction both cannot be the same, so be careful while typing in both the field. Now on successful completion of this attempts you will be redirected to the Home Page of your personal bank account details showing your account balance etc.. Congratulations you can now check your balance and other account details. Friends, in the next series you will learn how to use net banking for making payment etc. 

Till then,

Enjoy being Smart Manager of your personal finance.

Remember, Dont forget to logout the page before closing the browser window.