Electronic Banking Presentation

By :E-Business Department

E-Banking is automation of Conventional and non-

conventional Banking product and services directly offered to

customers through electronic & interactive communication

channels, such as a Personal Computer (PC), Personal Digital

Assistant (PDA), ATM, Kiosk, IVR, Internet, Mobile etc.

Summit Bank is one of the fastest growing commercial banks

of Pakistan with the branch network of 187 and ATM network

of 180 (including 40 off-site ATMs). To be on the forefront and

maintain the market share, we are in a continuous effort

towards excellence and innovation. Summit Bank is investing

in enhancement of its Electronic Banking Infrastructure

through new products and services. We offer our customers a

diverse range of electronic services and convenient banking

options through various channels, such as ATMs, mobile

phones and Internet.

e-Banking

E-Banking Services

Visa Debit Card

Mobile Banking

Internet BankingE-Voice

ATM Network

The VISA debit card can be regarded as an “electronic cheque”, whereby the transaction amount is directly debited to the cardholder's deposit account.

Summit Bank’s VISA debit card can be used as an ATM card at all Summit Bank ATMs, MNET or 1-Link ATMs, or ATMs carrying the PLUS logo in overseas.

Our VISA Card is also acceptable at more than 1.4 million ATMs, which gives you 24 hour access to your deposit accounts from anywhere in the world, and at over 30 million merchant outlets worldwide carrying a VISA sign.

Visa Debit Card –Eligibility Criteria

We offers Visa Debit Card for its following Local Currency Account Holders only. Visa Classic Cards and Gold Cards: 

All Individuals

All personal Joint account holders shall have “Any of us” or “Either / Survivor” operating

Instructions.

Sole Proprietorship Accounts.

Visa Debit Card may be issued to semi literate customer (who can read but cannot write and

consequently cannot sign the bank's documents

Visa Gold Card: 

Visa Gold Card shall be issued to those customers who are maintaining Initial deposit balance of Rs. 500,000/-

in their checking accounts or any other profitable scheme of the Summit Bank i.e. Mahana Amdani / Term

Deposit Receipt etc.

Visa Gold cards may also be issued to such customers (without meeting the initial deposit requirement) at the

discretion of competent authorities.

Cash Back Facility:

5% cash back* applicable on purchase through Gold Card.

Applicable on spend amount as low as Rs.3,000.

Maximum cash back amount per month is Rs 500 (i.e on Rs 10,000 maximum per month).

The cash back amount will be credited to your account at the start of the following month (if criteria met).

Applicable only on Gold Card Holders maintaining minimum average balance of Rs.300,000 .

How to Apply :

Customer can apply for by visiting the branch and signing Visa Debit Card forms.

Service Suite : Cash withdrawal

Balance Inquiry

Mini Account Statement

Funds Transfer (within Summit Bank)

Interbank Funds Transfer (to any account of 22 member Banks of 1-Link)

Free Utility Bill Payment & Postpaid Bill payment

Free Mobile Recharge

Statement of Account Request

Cheque Book Request

ATM Card PIN change

Subscription Mobile Banking service

Credit Card Bill Payment

Service ChargesService (Visa / Classic Card) Charges at SBL ATMs Charges at 1-Link/M-net ATMsCash withdrawal Free Rs. 15.00

Balance Inquiry Free M-net ATMs Rs. 5.00

Mini Account Statement Free

Funds Transfer (any account within Summit Bank)

Free N/A

Interbank Funds Transfer Rs. 40 N/A

Utility Bill & Postpaid Bill payment Free N/A

e-Top up – Mobile Recharge Free N/A

Statement of Account Request Free N/A

Cheque Book Request Free N/A

Credit Card Bill Payment Rs. 25 N/A

International Usage Visa Classic Visa GoldCash withdrawal 2.5% of the transaction amount or a minimum of Rs.300/- per transaction

POS Transactions 2.5% of the transaction amount or a minimum of Rs.300/- per transaction

Balance Inquiry Rs.200/- per inquiry on any ATM or POS terminal overseas

Debit Cards

Replacement Cards

Expiry of Cards : 3 years from date of issue

Supplementary Cards

Supplementary cards will be delivered to the primary cardholder.Activation of supplementary cards will be done on the authorization of the primary cardholder through the Contact Center.Any promotional offer made on the primary card will be equally applicable on the supplementary card.

Replacement Visa Classic Visa Gold

Tier switching Free Free

Lost /stolen or Supplementary cards Rs. 125 Rs. 225

Expired card replacement Free Free

Supplementary Cards Visa Classic Visa Gold

No of Cards Allowed 4 2

Annual Fee* Annual fee is waived for first year

Rs. 250 Rs. 450

Debit Cards

Transaction PermissionsPermissions/Services Visa Classic

Basic CardVisa Classic

Supplementary CardVisa GoldBasic Card

Visa GoldSupplementary Card

ATM Withdrawal Yes Yes Yes Yes

Fund Transfer Yes No Yes No

POS Purchase Yes Yes Yes Yes

Balance Inquiry Yes Yes Yes Yes

Mini Statement Yes No Yes No

Statement Request Yes No Yes No

Cheque Book Request Yes No Yes No

e-Alerts Subscription Yes No Yes No

PIN Change Yes Yes Yes Yes

Utility Bill Payment Yes No Yes No

IBFT Yes No Yes No

Card Activation Yes No Yes No

Internet Banking Internet Banking shall be issued to below mentioned types of account holders:a. All individual customersb. Personal account holdersc. Joint account holders shall have “Any of us” or “Either / Survivor” operating instructions.d. Sole Proprietorship Accounts

Registration Process Customer can be registered by following these steps: Customers can submit registration request at their respective Summit Bank branch. After proper verification at branch end, Branch will forward it to CPU through e-Accounts Module. CPU will enter the request in hPlus. COD will process requests from the system and automated emails will be sent to the customers having Activation

Link. Customer will click on the activation link. Upon clicking, an Activation Code will be sent on customer’s registered

mobile Number. Customer will enter the Activation Code, received on registered Mobile Number Select the User ID, Security Questions and accept terms and conditions Call on toll free # from registered number to generate password and ID Activation. Single ID will be issued against one CNIC (e.g if customer is maintaining multiple accounts, one ID will be issued to

him/her, customer may link all accounts on this ID).

Summit Bank is providing secure, fast and convenient Internet Banking services Service Suite :Account statement & information.

Free Funds transfer within Summit Bank (own account/third party account)

Funds transfer to other banks (to any account of 22 member Banks of 1-Link)

Free Utility bill payments

Free ATM card information

Free card management

ATM card PIN change

Manage ATM card limits

Order ATM card/request reissuance of card

View status and/or stop payment of cheques

Mobile recharge

Services Charges Account Statement & Information Free

Funds Transfer within Summit Bank Free

Inter Bank Funds Transfer Rs. 40

Utility Bill Payments Free

ATM Card Information Free

Card Management Free

ATM Card PIN Change Free

Manage ATM Card Limits Free

Order ATM Card/request re-issuance of Card As per SOP

View status and/or stop payment of cheques Rs. 200

Mobile recharge Free

* Customer is required to generate and use FPIN for all financial transactions

Mobile Banking Summit Bank is the only bank in Pakistan banking industry that is offering SMS-based Mobile Banking.Registration Process Customer can apply for by visiting the branch and signing e-services forms. Customer can also subscribe for SMS Banking through ATM. Customer can also subscribe for SMS Banking through Internet Banking.

Service Suite Account Information LTC (Last three Credit Transactions)->LTC and send to 24365 LTD (Last three Debit Transactions)->LTD and send to 24365 BI (Balance Inquiry)-> BI and send to 24365 MS (Mini statement)-> MS and send to 24365Free Utility Bill Payment UbI (Utility Bill Enquiry ) -> UbI <space> Company Code <space> consumer no and send to 24365, e.g UBP (Utility Bill Payment) -> UBP<space> Company Code <space> consumer no <space> Amount and

send to 24365 e.gMobile Balance Re-charge MR <space> Company Code (first and last digit of the mobile network) <space> amount and send it to 24365 e.g MR UE 100

Services Charges

GSM Subscription* Fee is waived for first three months

Rs. 20 /month

Account Information Free

Utility Bill Payment Free

Mobile Recharge Rs. 05 /Transaction

Note*All these transactions can only be performed from registered number.

With a Ufone connection and a Summit Bank account, you can avail convenience like no other.

Customers can just dial *808# from their registered Ufone mobile number and avail the following services.

Service Suite :Balance Inquiry

Mini Statement

Free Utility Bill Payment (currently Five Utility Companies are available)

U-services (Prepaid Topup & Postpaid Bill Payment)

Funds Transfer (any account within Summit Bank)

Interbank Funds Transfer (to any account of 22 member Banks of 1-Link)

We offer the following Contact Centre-related services to our customers through our Contact Centre:

Service Suite :Account related information

Details of last 10 debit and credit account transactions

Activation, suspension and reissuance of ATM cards

PIN generation

Utility bill payments

Payorder request

Cheque book request

Statement request

Mobile recharge up to Rs.100.

Complaint registration

U-Payment Subscription

Priority Number for overseas customer (+922132463516)

e-Statement is a convenient facility, through which you can choose to receive your account statements over email, so you can access your statement whenever you choose, wherever you go. The paperless service allows you to save account records without any paperwork.

You can choose from a list of customized statement periods.

Statement Periods:Daily

Weekly

Fortnightly

Monthly

Quarterly

Half-yearly*

Yearly*

Channel Service Limit (per day) in Rs. Max Single Tranx Limit # of Tranx (per day)

Internet Banking

Fund Transfer 100,000 100,000 99 IBFT 100,000 100,000 99 Utility Bill Payment 70,000 50,000 99 Mobile Recharge N/A N/A N/A

Ufone USSDFund Transfer 100,000 100,000 99 IBFT 100,000 100,000 99 Utility Bill Payment / Topup 70,000 50,000 99

IVR/Call Center

Fund Transfer N/A N/A N/A IBFT N/A N/A N/A Utility Bill Payment - CC 70,000 50,000 99 Mobile Recharge - CC 100 100 1

SMS Banking

Fund Transfer N/A N/A N/A IBFT N/A N/A N/A Utility Bill Payment 70,000 50,000 99 Mobile Recharge 5,000 2,000 99

ATMVisa Classic

Fund Transfer 100,000 100,000 99 IBFT 100,000 100,000 99 Utility Bill Payment / Topup 150,000 150,000 99 Mobile Recharge (eTopup) 5,000 2,000 99

ATMVisa Gold

Fund Transfer 150,000 150,000 99 IBFT 150,000 150,000 99 Utility Bill Payment / Topup 150,000 150,000 99 Mobile Recharge (eTopup) 5,000 2,000 99

Thank You !Questions Please

www.summitbank.com.pk0800-24365