FAQ_NETBANK

7/27/2019 FAQ_NETBANK

1/11

Oriental Bank Of Commerce

Department Of Information Technology, Head Office

NetBanking Services - Frequently Asked Questions (FAQs)

Q.What is Internet Banking?

Internet Banking channel provide customers a strong internet platform to manage theiraccounts effectively. Using NetBanking facilities, customers can view their accountdetails, conduct online Funds transfers and do e-Commerce transactions online. It is astrong effective internet tool helping people across the globe to manage their accountoperations online anytime.

Q.How I can avail NetBanking Services?

You can avail Oriental Banks NetBanking services by submitting duly signedapplication form to our branch office where you need to provide your account number,

address details etc. You may download the application form from our Corporate websitehttps://www.obcindia.co.in (Forms Warehouse link available at bottom of the HomePage) or you can also download it from NetBanking website login page i.e.https://www.obconline.co.in.

Q. What Security measures have been implemented in your NetBankingApplication so as to ensure safe and secure transactions?

Our Bank has implemented strong security measures for NetBanking operations. Ourwebsite is certified by VeriSign thereby complied with International Standards and is

regularly audited by external security agencies. Further it is ensured that all the datafrom customer's system to NetBanking server and vice-a-versa is transferred inencrypted manner. Thus the confidentiality of customer's data is ensured when he/sheperforms any activity in the Bank's NetBanking system.

In case of funds transfer through Internet Banking, the transactions can be undertakenthrough two steps viz

After logging in to the Internet Banking site of the Bank through the enquiry passwordstored in the server in encrypted form, as defined by the customer himself and

Inputting the transaction password which is also stored in the server in encryptedform, as defined by the customer himself.

As such, the transactions through Internet Banking are facilitated only after inputting ofvalid passwords by the customer who only has the custody of these passwords. Duringthe first login, customer is forced to change their default password(s).


2/11

Q. What is Phishing?

Phishing is an attempt by fraudsters to gain private and confidential information, usuallyby sending emails appearing to be from the customers Bank. The email addresses aregathered / purchased by these miscreants through non-trusted public websites where theuser might have revealed personal information.

The message of the email contains text like Due to upgrade of our system, weencountered problem with your account. However, you will be unable to presentlyconnect to your online account. We therefore kindly ask you to follow the link below forimmediately update / validate your online account. Thus, the user is encouraged toclick on the link in the email which leads to a fake website with similar look and feel asthat of Banks official website.

The fake website may ask the user to enter Customer Id, Account No., Password, Credit/ Debit Card No., Card Expiry Date, CVV No. etc. and other confidential identityinformation like Date of Birth, Mothers Name, Phone / Mobile No. etc. Once thisinformation is entered, the fake website may redirect the user to official / authentic

website of the Bank to avoid any suspicion arising in the customers mind.

The fraudsters may use above information to gain access of customers account tocommit fraudulent transactions.

Q. What general precaution should I take while accessing NetBanking Applicationand prevent myself becoming phishing victim?

1. NEVER access NetBanking Application through any Link. Always type the URL

https://www.obconline.co.in to login into the Internet Banking Application.2. Always check for PadLock Symbol appearing on the status bar and click to verify

Verisign Certificate

3. Kindly Change your NetBanking password at regular intervals to ward off phishingrisks.

4. Kindly do not reveal any sensitive information in response to any e-mail sent byany person purported to be representing the Bank, as this might be a phishingattack. Do Not Click on any link provided on such mails soliciting informationpertaining to your account.

5. Please check the URL first (https://www.obconline.co.in) before you login into theNetBanking Application

6. In case you feel that you have compromised your NetBanking credentials on anyfake website, immediately inform the NetBanking Cell and also deactivate yourNetBanking Login yourself by putting wrong passwords several times for youractual User.Id on the login page of our actual NetBanking site:https://www.obconline.co.in.


3/11

Q. What steps have been taken by Bank to prevent customers falling prey tophishing attacks.

It is an endeavor to make our NetBanking service more secure and to save ourcustomers from falling prey to phishing attacks, following additional steps have beentaken by our Bank:

Availing SMS Alert facility has been made mandatory for NetBanking Customers. Thefacility of transfer of funds to third parties including e-Commerce transactions through

NetBanking without availing the SMS Alert facility is not available now. The Bank has implemented "Beneficiary Registration Process" for both Intra and Inter

Bank 3rd Party Funds Transfer in NetBanking since 1st October 2010 to preventphishing attacks.

In process of registration of such beneficiary a Tracker ID is being sent by the BankNetBanking Server through SMS on the mobile number of the customer alreadyregistered with the Bank for SMS Alert Service and registration of beneficiary for fundtransfer will be completed only by entering above Tracker ID in the system.

SMS alert messages for all credit / debit transactions in the accounts are sent to all

customers availing SMS Alert Service. Presently SMS Alerts for Debit transactions ofRs.2000/- and above and Credit transaction of Rs.5000/- and above are sent tocustomers. However in case the transactions are undertaken through ATM/ DebitCard, SMS Alerts is sent irrespective of the transaction amount.

For more safe and secure e-Commerce transactions, it has been made mandatory toenter SMS based Tracker ID (except Direct and Indirect Tax Payment and RailwayReservations)

Q. I am a non-resident Indian. How do I apply for Oriental Banks NetBanking

Services?

If you want to open the account when you are outside India,

1. Download and fill in the Oriental Banks NetBanking Application Form fromBanks website i.e. www.obcindia.co.in or https://www.obconline.co.in

2. Submit your Oriental Banks NetBanking application form with a copy of yourpassport to the branch where you have accounts.

3. After receiving the User-Id from Bank, FAX/Email (with scanned signature) to yourbranch to deliver PIN at your address.

Q.When I change the system generated User-id and Password?

It is mandatory for you to change the system generated passwords with your ownconvenient passwords at first login. Further you can also change your passwordsanytime using > Change password> menu Option. You however cannotchange the NetBanking User.Id.


4/11

Q: Is user id and password case sensitive?

User id is not case sensitive whereas passwords are case sensitive.

Q: Can I have 2 user ids?

In case of jointly operated account with mandate as Either or Survivor or Former orSurvivor or Any of Us, then for the same account(s), there can be more than twoUser.Id(s). Otherwise one can have only one User.ID against their various Account(s).

Q: I have accounts in 2 branches of Bank should I have separate user ids?

If you have the same customer id for both the accounts, then NetBanking system willautomatically display all the accounts through single NetBanking user id. However if youhave accounts with different customer ids, you may request the Branch Manager tochange the Customer.ID of the other Account, so that the other account is also attachedto your existing Internet Banking User id.

Q.How to choose passwords?

Please ensure to choose the password of minimum 6 characters and the passwordshould be a combination of alpha, numeric & special characters. It shall make thepassword more secure. Transaction password change requires atleast one specialcharacter to be included. Further you need to define separate Login and Transactionpasswords.

Q.What are the good practices for creating a password?

You are requested to choose a password that is not a dictionary word and not guessablefrom your personal information known to others such as names in the family, vehiclenumbers etc. You should change your password frequently. Please try to remember the

password and do not write it down or paste it somewhere. Last but not the least, do notdivulge your password to anybody even if they claim to be from the bank.

Q. What is the validity period of NetBanking passwords?

The validity of both SignOn and Transaction password is 365 days. You are howeveradvised to regularly change your both passwords using option > Changeyour password>.

Q. I am currently availing View Only NetBanking facility, Now I want Transaction

facility also, what to do?

Kindly submit a written request to your branch office for issuance of Transaction facilityfor your Account. Please quote your Account no and NetBanking User.id in your letter.Within 7 working days, you need to collect your transaction password from your branchoffice. Thereafter you can utilize the various payment facilities being offered through ourNetBanking Application viz. Online Fund transfer within OBC Bank Branches, Fund


5/11

Transfer to other bank Branches through NEFT/ RTGS, Online Shopping, TaxPayments, Utility Bill payments etc.

Q. I have received the User.Id and password, but I am not able to login.

The first two digits of your password are of character type. So please ensure that you arenot reading l (L) as 1 (Numeric 1). Further kindly ensure that the browser being used atyour end is java enabled.

Q. I am trying to make a) Fund Transfer b) Make Tax Payments c) Online shopping,

but system is not accepting my password.

There are several reasons for this, please ensure that:-

1. You are having two different Passwords 1) Login password and 2) Transactionpassword as without Transaction password you can not initiate any payment.

2. You have changed your transaction password first by logging into the Internetbanking website https://www.obconline.co.in before initiating any payment.

3. While making payments, you need to first enter your login password to authenticateyour User.id thereafter you need to enter your transaction password to authenticateyour financial transaction.

4. You have registered your account for SMS Alert facility, as without availing the SMSAlert facility, you cannot initiate Funds transfer or do e-Commerce transactions.

Q. How much Funds Transfer I can make through NetBanking?

For 3rd party funds transfer and e-Commerce transactions, the limit is:-

Rs.3,00,000/- per transaction and Rs.5/- lacs per day.

For payment of Direct and Indirect Tax, the limit is :-

Rs.10/- lacs per transaction and Rs. 10/- lacs per day.

Q.What happens if I forget my logon password?

Not to worry. When user forgets the Internet Banking facility passwords, new passwordsmay be obtained from the Bank against a request in writing duly signed by concernedUsers. The request may be forwarded to the concerned branch or a scanned copy of therequest letter may be mailed to [email protected] for processing the same. You mayalso fax your request on 040-66319350.

Q.What happens if I forget my User-id for Internet Banking?

If you forget the user-id, the same can be obtained from Branch where you are

maintaining your account.

Q.When I try to login, I am getting error You login is disabled, What should I do?

The NetBanking login gets disabled, if you continuously enter the wrong Login password4 times. As such submit a written request to your Branch for issuance of new passwordor email a scanned copy of your request to NetBanking cell on [email protected].


6/11

Q.I am unable to login with the system generated Password and User-id.

Passwords are case sensitive. Kindly be a little more careful while typing thesystem-generated passwords for the first time.

The first two characters of the password are Character type only and rest are ofNumeric and special character type, so please ensure that you are not reading l(L) as 1 (Numeric 1). Further kindly ensure that the browser used by you is javaenabled.

If the problem persists please get in touch with the branch.

Q.What happens if I don't logout?

Please ensure to logout in proper way. However, if you abruptly close your InternetBanking page, your session will end. Kindly do not leave your system in between doingInternet Banking, as this will give opportunity to others around you to operate youraccounts.

Q: I have not received my user-id Or passwords.

You are requested to take up the matter with your branch. In case you have not receivedyour User-Id, branch will inform you the User.Id and check whether you have beenproperly enabled for this facility and will check your communication address etc. In caseyou have received the User-Id, the branch will issue you the sealed password (PIN).

Q: I want to add more accounts in Internet banking services.

Internet Banking functions on the basis of Customer.ID, which is assigned to theCustomer at the opening of the Account. All Operative Accounts (SB/CA/CC/OD)accounts, Deposit(s) and Loan Account(s) linked to your Customer.id will be

automatically displayed in the Internet Banking Services. Thus the user will be able toview all type of account(s) using single User.ID and there is no need to put any additionalrequest.

Q. How I can avail SMS Alert facility?

Customers are required to submit duly filled application form to avail the SMS Alertfacility. The application is available at Branches and it can also be downloaded fromBank's Web Site "www.obcindia.co.in (under Customer Service >> Forms Warehouse).

Q. Is it mandatory to avail SMS Alert facility for performing NetBanking

transactions?

Yes, it is mandatory to avail SMS Alert facility for performing any NetBankingtransactions. It is offered free of cost which you may avail by visiting any of our branchoffice. For doing any funds transfer, you need to enter SMS based Tracker ID, which youwill receive on your mobile registered for SMS Alert facility.


7/11

Q.What is SMS Tracker ID and what is its use?

For more secure Funds transfer and e-Commerce transactions through NetBankingChannel, a SMS based secret code called Tracker ID is sent to your registered mobilenumber. You need to enter this Tracker ID while authorizing your online transactionsalongwith your User.ID and Transaction Password.

Q.How to generate Tracker ID for doing e-Commerce transactions?

For more secure and safe e-Commerce Transactions, it is mandatory to enter the SMS

based Tracker ID alongwith your User.id and Transaction password. You may generatethe e-Commerce Tracker ID from NetBanking application Transfer >> Generate e-Commerce Tracer ID.

Q. What is the validity of e-Commerce Tracker ID and whether I can performmultiple transactions using this?

e-Commerce Tracker ID is valid for a period of 12 hours. You may undertake multiple e-Commerce transactions using same Tracker ID within that time period.

Q.How I can makeDirect tax payments.

Both Retail Net Banking as well as Corporate Net Banking customers can pay theirDirect Tax payments online (Per day and Per Transaction limit is Rs.10/- lacs for RetailNetBanking customers). The Tax payment counterfoils are generated instantly online forcustomer record.

Steps for Direct tax payments:-

1. Visit website www.obcindia.co.in and click on OBC e-Taxes link.

2. Click on Direct Tax payments link.

( https://onlineservices.tin.nsdl.com/etaxnew/Index.html)

3. Select the appropriate Challan type and provide the desired details viz. PAN/ TAN

Number, Challan type, Assessment year etc.4. Click on Proceed button, select Oriental Bank of Commerce from the list of Banks.

5. The NSDL will divert the control to OBC NetBanking website.

6. Enter User Id and Login password.

7. Enter the Challan amount for selected Challan type and also select the Accountnumber from which payment has to be made.

8. Click on Pay button.

9. Enter the User.id and Transaction password to confirm and complete the transaction.

10. Online Taxpayer Counterfoil is generated instantaneously for the customers record.

11. To generate Duplicate Challans anytime, the customer can visit the following option :

Tax Payment >> Direct Tax Duplicate Challans.

Note:- Corporate customer who is initiating the tax payment must provide theApprover details while entering the tax details and also note down the transactionreference number, which is generated after giving the transaction password.Thereafter APPROVER has to approve the Direct Tax transaction by visitingApprovals option and giving the transaction reference number. This will generateonline Taxpayer Counterfoil.


8/11

Q. How I can make In-Direct Tax payments.

The customers of both Retail and Corporate Net Banking application can make onlinepayments for Central Excise and Service Tax (Per day and Per Transaction limit isRs.10/- lacs in Retail NetBanking).

Steps for In-Direct tax payments:-

1. Visit website www.obcindia.co.in and click on OBC e-Taxes link.

2. Click on In-direct Tax payment link.

( https://cbec.nsdl.com/ESTStatic/html/security/Index.html)

3. On CBEC-NSDL website, enter the Assessee Code and select the payment type i.e.Excise tax or Service tax.

4. System will show you the address details of the Assessee.

5. At bottom, click on Select Accounting codes for selected payment type. All typesof accounting codes will be listed here from which a maximum of 6 differentaccounting codes can be selected.

6. After selected accounting codes, click on submit button.7. System will show you all accounting codes, as selected by you.

8. At Bank Name, select Oriental Bank Of Commerce from the drop down list andclick on Submit to the Bank link.

9. The system will divert the control to OBC NetBanking website.

10. Enter User Id and Login password.

11. Now select the Account number from which payment has to be made and enter theamount for different accounting codes, as selected by you.

12. Click on Calculate Total Payable Amount link to sum up the total of all amounts ofdifferent accounting codes.

13. Enter remarks and click on Pay button.14. Complete Challan details are shown on the screen below which the user has to enter

the User.id and Transaction password to confirm and complete the transaction.

15. Online Taxpayer Counterfoil is generated instantaneously for the customers record.

16. To generate Duplicate Challans anytime, the customer can visit the following option:Tax Payment >> View Tax Payments. Here the User need to enter the Tax type(Excise/ Service), Assessee code and transaction period to print the DuplicateChallans for Indirect tax payments.

Note:- Corproate customer who is initiating the tax payment must provide theApprover details while entering the tax details and also note down the transactionreference number, which is generated after giving the transaction password.Thereafter APPROVER has to approve the In-Direct Tax transaction by visiting TaxPayment >> Payment Approvals section. Customer need to select the transactionand then click on Approve button to generate online Taxpayer Counterfoil.


9/11

Q. How I can make RTGS/NEFT Payment through Internet Banking Channel

Both Retail and Corporate NetBanking customers can initiate NEFT/ RTGSTransactions. However Corporate customers have to make NEFT/ RTGS Payment asper their workflow (Make-Checker concept). Using Internet Banking, funds throughNEFT/ RTGS can be sent only to pre-registered beneficiaries. The beneficiaryregistration process is given below.

Steps for making 3rd Party Fund Transfers through Internet Banking.

(a) Registration of Beneficiary Account

1. Click on the Register new Beneficiary option available under Third PartyTransfer within Bank OR Transfers Outside the Bank options.

2. Enter the Beneficiary details viz. Account Number, Account Name and select MobileNumber. In case SMS Alert service is activated on more than one mobiles, selectthe Mobile Number on which Tracker-ID has to be sent.

3. For NEFT/ RTGS payments, enter IFSC Code or alternatively IFSC Code can belocated by selecting the Bank Name and City Name.

4. Click on Add Beneficiary button.5. At this stage, an SMS will be sent on the selected registered Mobile number of the

customer, containing the secret Tracker-ID. Customer can also resend theTracker.id himself in case the Tracker.Id SMS is not received by him, anyhow.

6. Enter the above Tracker-ID in the NetBanking Application option BeneficiaryRegistration Confirmation within 24 hours time from the entry of particulars, toconfirm the newly added Beneficiary account.

7. Confirm the new Beneficiary by clicking on Confirm Button.

8. Customer can now proceed with Fund Transfer option Make a Third PartyTransfer to any registered beneficiary, to be chosen from the drop down list,including the newly confirmed Beneficiary.

Note:-

1. For 3rd Party fund transfers, availing SMS Alert facility is mandatory.

2. Customers need to confirm all their new Payees with the SMS Tracker-ID within atime period of 24 hours, failing which the registration process for the newly addedpayees will expire.

3. Customers will be able to make 3rd party transfers only to the confirmed registeredPayees.

(b) Steps for e-Corporate user (Maker) / e-Retail User.

Click on option.

Select the Beneficiary from the Popup containing list of registered Beneficiary.

Enter the Payment Amount.

Select the Account number from which payment is to be made.


10/11

Enter the Payment remarks, if any

For NEFT Payments, customers need to enter the following additional information :-

On Beneficiary Page, enter the Beneficiary Address, City, State, Country, PINdetails without using any special character viz. *, _, ^, %, $, #, @, ! etc.

Click on option to save Beneficiary details.

Customer will be prompted to select the Mode of Payment i.e. or

, in case the transaction amount is above Rs.2.0 lacs otherwise NEFTMode by default is selected.

In case of e-Corporate, Maker need to select the , from thelookup link, who will authorize the RTGS transaction.

Click on Pay Button

Enter User.id and transaction password to authenticate the Payment.

A transaction reference number will be generated on the screen.

For e-Retail application, the message Successful transaction alongwith transaction

reference number will be displayed to user on screen. For e-Corporate application,corporate authorizer will need to authorize this transaction by entering thetransaction reference number under menu option.

(c) Authorisation for e-Corporate User (Checker)

Visit Section

Enter the RTGS/NEFT transaction reference number in field and click on button.

Screen will show all pending transactions, which are yet to be authorized. Select the transaction to be authorized and click on details button.

Check the details of transactions viz. Beneficiary Name, Txn amount etc beforeauthorizing the transaction

Authroizer will approve the transaction by giving his User.id and Password.

Message Successful transaction will be displayed to the users.

Users can select option to view the various NEFT/RTGSPayments and to know the UTR Number of the NEFT/RTGS transaction.

To view 3rd party transfers within Banks accounts, user can select Inquiry for withinBank Transfers option.


11/11

Q: How can I contact the helpdesk of Oriental Banks NetBanking Services?

Address of Internet Banking Cell at Hyderabad:

The Incharge,

Internet Banking Department

Oriental Bank of Commerce

(A Govt. of India Undertaking)Tirumala Chambers ( COPEC)1-8-303, Sardar Patel Road, Secunderabad.A.P - 500003

Phone No.: 040-66319345, 040-27894150 Fax : 040-66319350

Board No : 040-66534070 (Extn : 105, 106, 107, 108 and 109 )

Email: [email protected]

FAQ_NETBANK

Documents

Transcript of FAQ_NETBANK