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Resources » Finance & Investments » Bank information and procedures
TIPs for Choosing the Online Banking and For Secure Online Banking
Nowadays Banking is the factor in human life, More than 50 percent of the employees are using the Bank account for their salaries it is more difficult to go branch and stands Up for each and every transactions
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Tips for Choosing the Online Banking
Even companies are prefer and giving the salary accounts in various banks. in this resource I am giving some import Tips for Online Banking.
Choosing Online Banker
Choosing the Banker is foremost step in the online Banking, It is good idea to select the right banker while opening the bank account. Need to enquire about different feature it will support. Nowadays almost all banks support the all required features.
These are some the main feature needs to conform while opening the bank account
1. Security
2. Emailsupport
3. Alerts
4. Fund transfers
5. Payment option
6.24/7 customer care supports.
Apart from these following are the some additional attractive features the banker support nowadays
1.Reward points
2.Cash back offers
3.Easy EMI
Here I am giving some brief explanation about each feature.
Security
Security is one most important feature the bankers online web site should be have some security to do customer safe backing like
1. Automatic cookies deleting
2. Providing virtual key board
3. Auto deactivating the online account for repeated wrong attempt.
These are some important security things banker should do for customer safe online banking.
Email Support
It is feature for communicating the customer regular bases, banker should email support for statement generation and due, last date in case of credit card.
And they are sending any offer available for you and they can send alert also through mail nowadays.
Alerts
Alerts also import feature the bankers proving nowadays, they are provide the SMS And mail Alerts, they are sending security alert, statement generation, due and last date to pay alerts apart from these they are sending transaction alerts.
Fund transform
Fund Transfer is require feature for transforming the money from one bank account to another bank and one account to another.
Payment option
This feature is complete belongs to credit card type, banker should provide multiple options to pay the credit card bill, almost all bank provide various option to pay the bill except some banks. These are the some of the option bankers provides now
1. NetPay
2. Cash Payment
3. Check payment
In the above options Net Pay is easy and time saving options, but should be care while paying through net.
Reward points
Reward Points are given by the customer to encourage the customer, they will give the points based on the bank transaction you do, at end these reward point are useful to buy some thing in online and it also useful to maintain the good relationship with your banker.
Easy EMI
This feature also come place in the case of the credit card ,Easy EMI is feature provided by banks to pay the credit car payment in EMIs, it is very good feature for customer who use credit card frequently, If the credit due amount is very High then customer has changes to pay the due amount in few installments, Even the some banks provides these 0% interest on the first 3 installments.
Customer supports
Customer supports is one important for the customer, since customer may have different issues with product, if the customer has any problem then and only then call customer are to resolve issues, so banker should be provide the 24/7 customer support.Nowadays all most all banks provide the 24/7 customer support except the some private banks like SBI , Andhra bank ,SBH these are only provide the periodic customer support .
Above the important points should be customer consider the while opening the bank account.
Tips for Online Banking
When ever it is Online Banking, one point should be struck out to every body that is Password security. First step the customer should take once the customer gets the online banking password from the bank is Customer should
login the online banking site then and only then customer should change the password. While changing the password customer should take care the some point.
These are some the important points customer should consider for Creating Password
1 .Password should be combination of all case of letter, digits and also special character.
Ex:An!@p0$t
2 . Password should not be with your name, date of birth, your place, and your relatives name, if is the case others can easily identify the password
Ex: anil1983 ,sureshFromHyd
3. The password should be change frequently.
Apart from the Password creating, below are some of the important points For the Online Banking Customers.
1 .Be careful while using the using online banking outside, Browsing center may have some installed software to get you credentials
2. Do not check the Remember it
3. Use always virtual keyboard
4. Do not click the links from the mails; it may lead you to wrong and fake sites.
5. Do not expose your credentials with anybody even customer care people also.
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| Author: hareesh vemuri 09 Jul 2011 | Member Level: Gold Points : 1 | Dear Anil,
Nice article on online banking.Tips what you have given are wonderful.Hope this article gives very good idea on online banking.
Regards,
Hareesh.
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