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ALLAHABAD BANK
Department of Information Technology
HEAD OFFICE: 2, NETAJI SUBHAS ROAD, KOLKATA 700 001
Instruction Circular No. 10037/DIT/2008-09/04
Date: 09.05.2008
1.0
Introduction:
The banking today is fast becoming technology driven. .com culture and
Banking have become synchronized in the present days financial activities
too. The advent of technology has made sweeping changes in the banking
industry enabling banks to provide best of the convenience to the customers.
The accent is now on making banking business more caring, convenient and
attractive to the customers. Recognizing that the institutions which employ
right technology as a tool for improving customer service and efficiency will
have better competitive edge, our Bank is also poised for inculcating this
technology culture with implementation of CBS and has taken the initiative of
introducing Internet Banking, Mobile Banking and SMS Banking services
to its customers.
2.0
Internet Banking:
Internet Banking refers to systems that enable Bank Customers to access
their Accounts and General Information on Bank Products and Services
through a Personal Computer (PC) or other Intelligent Device using Internet.
Mobile (WAP) Banking:
Mobile (WAP - Wireless Application Protocol) Banking Services (A subsystem
of Internet Banking Services) refers to systems that enable Bank customers to
access their Accounts in a restrictive way through a Mobile device. This
facility would be available to customers on their GPRS enabled mobile.
SMS Banking:
SMS Banking Services (Independent of Internet Banking Services) refers to
systems that enable Bank Customers to access their accounts in a restrictive
way in the form of SMS Messages through a Mobile Device (handset).
2.1
2.2
3.0
Part B
Essential information for these channels is provided in brief below, while the
detailed features are given in Annexures:
Sl.
No.
Features
Brief Particulars
1.
Internet Banking
Website
https://www.allbankonline.in
2.
3.
4.
5.
Customer Care
customercare@allahabadbank.co.in
e-mail address
Internet Banking
ibteam@allahabadbank.co.in
Team
e-mail
address
Incoming Number : 9795244444
SMS
Banking
Outgoing Number : 9795344444
Number
Only
CBS
Branches
Branches which
i.e.
On-line
and Off-line Transactions are possible
can provide these
in
customers
accounts maintained in Core
Services
Banking Branches only
Details of
Annexures
6.
7.
Services Offered
8.
Forms
9.
10.
Annexure-1 (C)
Annexure-1(D)
Annexure-2 (A)
Annexure-2 (B)
Annexure-2 (C)
Annexure-2 (D)
Annexure-2 (E)
Annexure-2 (F)
12.
Fund Transfer:
Minimum
&
Maximum Limit of
transaction
through Internet
Banking
Glossary
Minimum Amount per Transaction : Re.100/Maximum Amount per Transaction: Rs.20,000/Maximum Amount per Day
: Rs.50,000/-
Annexure 3
4.0
Other Guidelines:
The Bank has launched Internet / Mobile / SMS Banking services for
customers of all CBS branches.
All Offices / Branches are advised to note carefully the contents of this circular
for compliance.
(Shrawan Kumar)
General Manager (IT)
Encl. As above
PART- A
INTERNET BANKING SERVICES
System
must
have
respective
product
account
such
as
2.0 General Terms and Conditions & Guidelines for Internet Banking
Facility:
The Bank reserves the right to disable the Internet Banking user account and
stop its operation at any time without prior notice to the Internet Banking
User.
The Internet Banking user shall be allotted two passwords namely Net
Banking Login Password and Net Banking Transaction Password.
The Internet Banking User must change the Password immediately upon the
Bank issuing the PIN Mailer. The Password can also be changed periodically
or whenever required, by the Internet Banking User.
The Password should remain secret, only to the Internet Banking user. The
Internet Banking User shall not inform / disclose the password to any person
under any circumstances whether voluntarily or otherwise. The Internet
Banking user should not keep any written record of their Password in any
place or manner, which may, enable a third party to use the Internet Banking
facility.
The Internet Banking User shall be fully responsible for all transactions put
through by the use of the Internet Banking facility using his/her/their user-id
whether or not with the knowledge/ authority of the Internet Banking user.
The powers and authorization conferred on the Bank by the customers are
irrevocable.
The Internet Banking User will be responsible for all transactions effected by
the use of the Internet Banking facility whether authorized by the Internet
Banking user or not and the Bank is no way liable or responsible for any
transactions effected by Internet Banking and User shall indemnify the Bank
for all losses / damages caused by any unauthorized use of his/her User-Id
or related Password.
The record of the Bank for transactions put through the Internet Banking
module shall be conclusive and bindings for all purposes unless verified
otherwise and corrected by the Bank.
The User's account would be debited with such charges as the Bank may
from time to time consider reasonable in respect of the Internet Banking
User.
Transactions in the account would be allowed as per Internet Banking
instructions received from Internet Banking Module to the extent of fund
transfer limit fixed by the bank from time to time, subject to availability of
sufficient balance in the account of Internet Banking user.
The Internet Banking User should immediately notify the Bank if the
Password is forgotten or accidentally divulged or any other reason.
The Bank shall not be liable for any failure to provide any service or to
perform any obligation under this facility where such failure is due to any
malfunction of the network, any dispute or other circumstances beyond its
control.
The Internet Banking Facility User shall not use or permit to use or any
related service for any illegal or improper purpose.
The Internet Banking User shall not attempt or permit others to attempt
accessing the account information stored in the computers of the Bank
through any means other than the Banks Internet Banking website.
An Internet Banking user shall be deemed to have read, understood and
agreed to be bound by the Terms and Conditions subsisting. The Internet
Banking user shall be also deemed to have read, understood and agreed to
be bound by the Terms and Conditions, Disclaimers and Privacy Policy as
posted on the Allahabad Bank Internet Banking website.
3.0 Product and Services Offered through Internet Banking Facility:
Presently Internet Banking Services intends to provide following On-line & OffLine Services to our customers. New Products and Services would keep on
adding through Internet Banking in order to cater the needs of our customers
in future:
2)
3)
4)
TDS Detail: User may view the Tax Deducted at Source details.
MAIL:
Mail: User may send and receive mails to and from Internet Banking
Administrator.
OTHER OPTIONS:
1)
2)
3)
4)
5)
account
(only
Interest
repayment
mode,
and
Maturity
Instruction).
Closure of Deposit Account: User may request for closure of deposit
account by giving the repayment details.
Some of the above services may not be available presently. The customers
should be advised to refer our Internet Banking website for presently
available facilities.
4.0 Customer Education:
In order to buildup Customer Relationship and also to impart the necessary
information to customers following forms / brochures etc. should be used:
Application Form for Internet / SMS / Phone Banking along with Terms &
Conditions :: Annexure - 1 (A);
User Guide :: Annexure - 2 (A);
Handout on Frequently Asked Questions (FAQs) :: Annexure - 2 (B)
Privacy Policy :: Annexure 2 (C)
Disclaimer Clauses :: Annexure 2 (D)
Safety & Protection from Frauds :: Annexure 2 (E)
Phishing :: Annexure 2 (F)
5.0 Systems & Procedures:
At Customer Level
Stage: I (Filling the Application Form)
1. Applicant must be an Account Holder of our Bank and Indian Resident only. The
Internet Facility is not offered in other jurisdictions.
2. Applicant has to submit a duly filled in & signed Internet Banking Application
Form and Terms & Conditions (As a token of acceptance of Terms & Conditions):
Annexure-1 (A) in physical form to the Base Branch for availing of Internet
Banking Facility.
3. Each page of Terms & conditions must be signed by the account holder(s).
4. Besides other information, applicant has to provide option for availing of the
financial transaction rights (y/n) in an account.
5. The Account Number mentioned at Sl. No. 1 shall be considered as Primary
Account. However, applicant may avail of Internet Banking Facility in one or
more accounts which are linked to the same CIF.
6. In case of Joint Account, the Mandate by Joint Account Holders has to be
provided in the relevant space in application form.
Note:
a) Base Branch: Branch which has created a particular CIF for the customer and keeps
all the residential / identity records/proofs of the customer and maintains his
account.
b) Primary Account: The Account mentioned at Sl. No. 1 in the Application Form,
shall be treated as Primary Account for Internet Banking, SMS Banking and Phone
Banking services.
c) Transaction facility would only be provided in SB, C/A and OD Accounts (within limit).
However, applicant would be able to transfer fund from the above said accounts to
other accounts like RD and other Term Loan/Demand Loan Accounts.
Stage II:
In the new screen, customer has to enter Primary CIF No. / User-ID,
Base Branch from the drop down, Date of Birth, and banking modes as
applicable.
Customer has to select relevant box in which password needs to be
generated and submit.
On submitting, a Reference number will be generated. The customers
At Branch Level
Stage I: (Processing of Application Form at Branch Level)
Note:
Branch has to first scrutinize the address of the applicant as provided in
Internet Banking Application Form against the existing address recorded
in the bank, generated from CIF so provided. In case of variation in
address, the applicant should be persuaded to change his/her address to
comply with KYC norms and the same must be updated in CBS system.
1. After receiving the duly filled in Internet Banking Application Form from the
applicant, the branch has to first note down the receipt of the same in Internet
Banking Register, the format of which is provided below:
FORMAT OF INTERNET BANKING REGISTER
ALLAHABAD BANK
Branch:
Date of
Applicati
Name of
Receipt
on
the
No.*
Applicant
Branch Code:
Mobile No.
CIF
Account
Financial
No.
Nos. on
Transaction
which
Right (Y/N)
other
contact no.
facility is
required
(Giving
primary
a/c first)
(1)
(2)
(3)
(4)
(5)
(6)
(7)
Processing of Application
Date
Journal No.
(8)
New
(9)
Please ( )
Date of
Date of Receipt of
Signature
for
Dispatch
to CBS
CBS
with Date
Regeneration
PROJECT
OFFICE
(10)
(11)
PROJECT
of
Applicant
OFFICE
(12)
(13)
(14)
For Example:
INB/ 0031 /1
INB/ 0031 /2
The allotted Application No. should be noted in the Application Form also for
future reference.
3. Branch
has
to send an
acknowledgement
as
Case (A):
Menu Navigation: Internet Banking Access to Particular CIF
Customer Management Amend Customer Details
Case (B):
Menu Navigation: For Enabling Transaction Right
Deposit/CC/OD Accounts & Services Create Account Channel Link
In the field Access Allowed Select V: view only or O: Transaction & View
as the case may be from the drop down.
Transmit.
Queue will be generated for authorization.
On successful authorization a Journal Number will be displayed.
Note down the Journal Number on the Application Form.
Note: If the customer having more than one account as mentioned in the application
form, is linked to CIF, the same procedure should be followed for enabling View /
Transaction Right (as the case may) for those accounts.
Case (C):
Menu Navigation: Linking of Accounts to CIF
Note: If the customer is having accounts maintained in same/different branches, linked
to different CIF, the branch may link only those accounts to one CIF on which the
applicant wants to have Internet Banking facility and the branch is Base Branch for all
those accounts, as mentioned in the application form. For other accounts which are
maintained at other branches, customer needs to submit a separate application at those
branches.
Customer Management Amend Link CIF to Account
6. After verifying the details of the customer and linking of accounts with Primary
CIF, the authorized official should certify the declaration under For Branch Use
at appropriate place in the application form with Branch seal.
7. A Photocopy of the application form alongwith Terms & Conditions (T&C) has to
be made. The photocopy of the Application Form and T&C has to be retained in
the Branch (to be filed properly for future reference) and the original has to be
send to CBS PROJECT OFFICE through Courier/Registered Post. The date of
dispatch should be recorded in the Internet Banking Register.
Stage II:
(Regeneration of Passwords)
Branch has to receive the written request from the customer for regeneration of
password. The Branch will verify the request, make the necessary entries in Internet
Banking Register and forward the same to CBS Project Office.
After receiving the regenerated Password (Net Banking Login Password) from CBS
Project Office it has to be handed over to Customer after taking the
acknowledgement as explained above.
The Net Banking Transaction Password shall be dispatched to the customers
address recorded with the Bank.
_________________
Processing Date:
_________________
Reference No.:
_________________
______________
Generated By
_______________
Authenticated By
2. The date of receipt and other particulars should be recorded in the Internet
Banking Password Generation Register. A format of such register is given below:
Format of INTERNET BANKING PASSWORD GENERATION REGISTER
ALLAHABAD BANK
Date of
Branch
Receipt
Code
Name
/Reference
Name of
Mobile /
the
other
applicant
contact
(2)
(3)
CIF No.
No.
No.
(1)
Code:
(4)
(5)
(6)
(7)
Account Nos.
Financial
Processing of Application
on
which
Transaction
Date
Generated By
is
Right (Y/N)
facility
Reference
Authenticated
By
No.
required
(Giving
primary
a/c
first)
(8)
(9)
(10)
(11)
(12)
(13)
Date of
Password Generation ( )
Dispatch
of
Welcome
Kit to
customer
Regenerate
New
Login
Transn.
Login
Transn.
Password
Password
Password
Password
(14)
(15)
(16)
Date of Dispatch
Remarks
of Password
(if Any)
To
To
Branch
Customer
(17)
(18)
(19)
Stage: II
2. Generation of Passwords
Fill up relevant details like User Type, UserID and relevant boxes for Passwords
to be generated in Internet Banking Administration module. Reference Number
generated should be recorded in the recommended register.
The Passwords (login & transaction) so generated should be authorized by the
Checker through Internet Banking Administration module when the branch
requests for activation of the account after delivering the PIN Mailer containing
login password to the customer.
Note:
1. PIN Mailer consists of manifold three carbonized pages in a sealed condition.
2. Carbonization is placed in different locations in different pages as per requirement.
3. The Passwords will be generated by the system automatically.
3. After generating the passwords, the following information will be printed on the
PIN Mailer automatically:
a) Name & Address of the Customer on the left side of PIN Mailer, which is visible
only on the Second sheet.
b) The Password will be printed on the third sheet under the black rectangle,
which is not visible. That can be viewed by the customer only by tearing the PIN
Mailer.
Note: The first Page of the PIN Mailer should be torn off and must be destroyed
completely to safeguard against any possible frauds & forgery.
(i)
(i)
(ii)
(ii)
(iii)
(iv)
(vi)
(vii)
(viii)
B. Detailed
Branch
Note: Branch should identify an Officer for handling Delivery Channels
2. After receiving the above mentioned application form, the branch should put
a running serial no. on the application and make appropriate entry in the
Internet Banking Register.
3. Branch must acknowledge the request of the customer for Internet Banking
and give an acknowledgement to the customer for the same.
4. Branch must update the information in CBS System as per the application
form after taking the relevant documents from the customer, wherever
required.
5. Branch has to process the application and perform the following activities
after receiving the application:
a. Link the accounts maintained in that branch, as per customers request
mentioned in the application form, to his/her CIF for which he/she has
requested Internet Banking facility
b. Link the customers CIF No. for the Internet Banking Delivery Channel
c. Allow View / Transact facility in customers accounts as requested by the
customer in the form
d. Designated Officer must put his signature along with his signature no. with
seal of the branch in the application form.
e. The application form should also be authorized by Manager (Operation) /
Branch Manager.
6. Branch should retain a photocopy / Xerox copy of the above application form
alongwith Terms & Conditions for their record purpose and send the original
to CBS Project Office for further processing.
II: Receiving the PIN Mailer from CBS-Project Office
1. The PIN Mailers sent by CBS Project Office containing the Login Password
must be kept securely by the Branch in safe custody.
2. Customer will approach branch for Login Password after he / she has received
the Welcome Kit sent by CBS Project Office. The branch must hand over PIN
Mailer containing Login Password to the customer after verification of his
credentials and should request CBS Project Office to activate customers IB
account / User-Id.
3. The branch will obtain signature of the customer in the IB Register
acknowledging the receipt of the PIN Mailer. The customer should be
informed that his/her IB account / User-Id will be activated within 24 hours.
4. The branch will send a letter to CBS-Project Office through e-mail / fax
informing the list of customers to be activated. This must be done daily so as
to ensure that the customer IB Account is activated within 24 hours.
2. CBS-PO should also verify the user details as mentioned in the application
form vis--vis as recorded in CBS system. In case of any irregularity, CBS-PO
should contact the branch to rectify the same.
3. CBS-PO to confirm with the branch that they have performed the necessary
activities at their end. If not, request the branch to complete their activities as
mentioned in the guidelines.
4. On receipt of confirmation from the branch, IB Team (Admin user) to
generate the passwords on the PIN Mailer stationery. The generation along
with activation of password to be done under maker / checker as prompted
by the system. The designated user who has generated the password for the
customer can not activate it. Another user would need to activate the same.
Date of Password generation and the name/signature of the officer must be
put on the application form for record. The same must be verified by the
Delivery Channel Head at CBS-PO.
5. The IB Team must ensure that the customer is attached to an appropriate
group which has been granted the requisite services.
6. Welcome Kit containing all details of Internet Banking must be sent to the
customer directly through registered post / courier on the same day.
7. The Login password (PIN Mailer) must be dispatched to the branch on the
same day through the separate registered post / courier.
8. The Transaction password (PIN Mailer) must also be dispatched to the
customer on the same day through the separate registered post / courier.
9. On receipt of the Welcome Kit from CBS-PO and PIN Mailer (Login Password)
from the branch by the customer, Branch would contact CBS-PO for activating
IB account of customer which should be done immediately by the designated
officers at CBS-PO.
II: Performing Administrative Functions
1. Internet Banking Team must perform administrative functions in the Internet
Banking Application on day to day basis.
2. The administrative functions may be enlisted as below:
a. generate passwords for customers
b. attend to emails coming from customers to admin mail-ID in the
c.
d.
e.
f.
application and take necessary action for resolving the issue, if any
attend to emails coming from customers / branches
to
customercare@allahabadbank.co.in / ibteam@allahabadbank.co.in mail-ID
and take necessary action for their resolution
ensure to make/implement necessary changes on the website to keep it
updated
ensure to make available necessary services to the customers as per their
request
ensure proper configuration of branches, services, products etc. for
smooth running / functioning of various services and application
g. reports etc. should be regularly analyzed by the team for review and
The coverage and scope of the services offered under Internet Banking
Channel;
7.0 Reports:
A list of reports is available and may be obtained from Internet Banking
Administration module at CBS PROJECT OFFICE Level as per requirement.
Reports so generated at frequent intervals should be preserved.
Lists of such reports are provided in a tabular form
Sl No.
1.
2.
Menu
Details of Menu
Particulars
Log
i) Transaction Log
Maintenance
i) Usage Statistics
Reports
Report
iii) Branch-wise Generation &
Activation Summary
iv) Circle-Wise PIN Generation
Summary
Activation Report
Branch-wise
of
PIN
Generation
and
Summary
Transaction
Hit Log
vii) Locked User Report
Based Report
x) Queries Report
comfort in Internet Banking Facility amongst our customers, Bank has adopted
a Privacy Policy. Bank has recognized the importance of protecting the
confidentiality and security of any personal information obtained from the
customer to our website.
At the same time in order to mitigate the Compliance, Strategic, Reputation,
Legal and Transaction Risks, Bank has adopted necessary measures to maintain
security standard and procedures to help prevent unauthorized access to
confidential information about customers and also ensures delivery of IB
services on a consistent and timely basis in accordance with high customer
expectations for constant, rapid availability & potentially high transaction
demand.
To minimize Operational, Legal and Reputation risks arising from unexpected
events, including internal & external attacks, effective incident response
mechanisms have been devised and following Security Features have been
included for our Internet Banking Services:
Digital Certificate
Two levels of passwords for Online Banking i.e., login password and
transaction password
Online Frauds
Phishing
Offline Frauds
Secure Banking
Expiry of passwords
Password Protection
PC Protection
2.
Web
site
https://www.allbankonline.in
through
mobile
device
(handset)
Since, this is an additional facility provided to the customers who are availing
Internet Banking Services, the system & procedures would be same as for Internet
Banking. However PIN generation etc. does not need to be done specially for this
facility as the UserId / Password for Internet Banking is valid for this service.
Duties & Responsibilities:
Duties & responsibilities will be same as applicable for Internet Banking.
PART- B
SMS BANKING SERVICES
(This facility is independent of Internet Banking Facility)
I/C or O/G
Mobile Number
Incoming
9795244444
2.
Outgoing
9795344444
Purpose
To be used by
HELP
HELP <Message Code>
CHGPIN <New PIN> <Old PIN>
BALAVL <A/c no>
BALAVL
Balance Inquiry
LATRAN
Last 5 transactions
STMACC
Account Statement
Request [<Date> in
<A/c no>
<DD/MM/YY>]
no>
For Primary A/c
CHQREQ <No of Leaves>
STPPAY <Chq no> <A/c no>
STPPAY
Stop Payment
<PIN>
For Primary A/c
STPPAY <Chq no> <PIN>
STPREV <Chq no> <A/c no> <
STPREV
PIN >
For Primary A/c
STPREV <Chq no> <PIN>
CHQSTS
For e.g. To Know Your A/c Balance, send BALAVL as SMS to 9795244444
record all the details including Mobile Number in SMS banking Register, the Format
of which is provided below:
FORMAT OF SMS BANKING REGISTER
ALLAHABAD BANK
Branch:
Branch Code:
Date of
Application
Name of
CIF
Mobile
Primary
Processing of
Receipt
No.*
the
No.
No.
Account
Application
Applicant
No
Date
Journal
No.
(1)
New
(2)
(3)
Please ( )
Date of
for
Dispatch
Regeneration
(4)
(5)
(6)
(7)
(8)
to CBS
PROJECT
OFFICE
(9)
(10)
(11)
Project Office will regenerate the PIN and dispatch the same to the customer at the
address recorded with the Bank under intimation to Branch.
For CBS PROJECT OFFICE
After receiving the Application from the branch, CBS PROJECT OFFICE has to note
down the details in SMS Banking PIN Generation Register. The format of which is
given below:
FORMAT OF SMS BANKING PIN GENERATION REGISTER
ALLAHABAD BANK
Date of
Branch
Application
No.
Receipt
Code
Name
/Reference
CIF No.
The
Code:
Mobile
Primary
Processing of
No.
A/C no.
Application
applicant
Date
Reference
No.
(1)
(2)
(3)
(4)
Authenticated By
No.
(5)
(6)
(7)
PIN Generation ( )
New
Regenerate
(8)
(9)
Date of
Remarks
Dispatch
(if Any)
To
Customer
(11)
(12)
(13)
(14)
(15)
(16)
Procedures to be followed here are the same as for Internet Banking. However,
after generation of SMS Banking PIN from the system, it should be dispatched to the
Customer at his/her address recorded with the Bank, after recording in the relevant
columns of the Register. Opcodes and other related documents of the Welcome Kit
should be sent to the customer.
Regeneration of SMS Banking PIN (Password)
(10)
The coverage and scope of the services offered under SMS Banking Channel;
Annexure-1(A)
Allahabad Bank
(A Govt. of India Undertaking)
I wish to register as a user of Allahabad Bank Internet Banking / SMS Banking / Phone
Banking Service.
CIF No.
Full Name
Address
Date of Birth :
D D
M M
Y Y
Pin Code :
Nationality
Tel. No. :
Mobile No.
Fax No. :
E-mail ID
My following accounts in your Bank may please be linked to the services indicated below. The first account may be considered
as the primary account.
S.
No.
Account Numbers
Financial
Transaction
Rights (Y/N)
* Rights for the above services will be same as that in your account at the branch.
I have read and understood the Terms & Conditions, Disclaimers and Privacy Policy of Allahabad Bank and I accept and agree
to be bound by the said Terms & Conditions and to any changes that may be made from time to time by the Bank at its sole
discretion including and limiting the Bank's liability. I agree that the transactions executed over the above mentioned delivery
channels (Internet,SMS or Phone) will be binding on me.
Place
Signature
Date
Mandate by Joint Account holders
We authorise ............................................................ to use the above mentioned services and link it with our Joint account (which has
its mode of operation as 'Either or Survivor', 'Former or Survivor') mentioned above on behalf of us. We have read and understood the
Terms & Conditions for INTERNET BANKING / SMS BANKING / PHONE BANKING and accept and agree to be bound by the same. We
hereby confirm that all transactions arising from the use of requested services in the joint account shall be binding on all the joint account
holders, jointly and severally.
A/c. No.
Date
Allahabad Bank
A tradition of trust
(A Govt. of India Undertaking)
Bank for carrying out transactions and instructions authenticated by Internet Banking which will be notified by Allahabad Bank to the user
such password.
from time to time. Any change in such service charges will also be
notified to the user. The user authorises Allahabad Bank to recover all
The User unconditionally undertakes to have Internet Banking charges related to Internet Banking as determined by Allahabad Bank
password of such number of letters/digits as may be notified by from time to time by debiting one or more of the Accounts.
Allahabad Bank from time to time and ensure that the same is kept
confidential; and to not let any unauthorised person have access to the Allahabad Bank may withdraw the provision of Internet Banking,
internet while the User is accessing the Internet Banking.
wholly or partly, if at any time the balance amount falls short of the
required minimum as aforesaid and / or if the service charges remain
If the User forgets the Internet Banking password or the Internet unpaid, without giving any further notice to the user and / or without
Banking Password gets locked after a number of incorrect attempts, incurring any liability or responsibility whatsoever by reason of such
upto such number as may be intimated by Allahabad Bank from time to withdrawal.
time, then the User may request for the issue of a new password
through the 24-Hour Phone Banking Service, Internet Banking 10. Funds Transfer through Internet Banking:
Channel or the Allahabad Bank Branch and this shall not be construed
as the commencement of a new contract. Such Password may be issued The User accepts that he will be responsible for keying in the correct
within such time as may be intimated by Allahabad Bank from time to account number for the fund transfer request. In no case, Allahabad
time. The User agrees and acknowledges that Allahabad Bank shall in Bank will be held liable for any erroneous transactions incurred arising
no way be held responsible or liable if the User incurs any loss as a out of or relating to the User entering wrong account numbers.
result of information being disclosed by Allahabad Bank regarding his The User shall not use or attempt to use the Internet Banking for funds
Account(s) or carrying the instruction of the User pursuant to the transfer without sufficient funds in the relative Account or without a
access of the Internet Banking and the User shall fully indemnify and pre-existing arrangement with Allahabad Bank for the grant of an
hold harmless Allahabad Bank in respect of the same.
overdraft. Allahabad Bank will endeavour to effect funds transfer
The User shall maintain the secrecy of all information of confidential transaction received through Internet Banking subject to availability of
nature and shall ensure that the same is not disclosed to any person sufficient funds in the Account and Confirmation of Beneficiary
intentionally, voluntarily, accidentally or by mistake. The User shall Registration by the User. Allahabad Bank shall specify from time to
comply with such guidelines, instructions or TERMS as Allahabad time the limit for carrying out various kinds of funds transfer or any
other services through Internet Banking. The said facility will be
Bank may prescribe from time to time with respect to the password.
provided as per conditions specified by Allahabad Bank from time to
7. Joint Accounts:
time.
In case of Joint Accounts, transactions through Internet Banking shall
be available if the mode of operation is indicated as 'either or survivor'
or 'former or survivor'. The User desirous of using the Internet Banking
should either be the Account holder and sole signatory or authorised to
act independently in case of a joint account. For such joint accounts,
one User-ID and password for Internet Banking will be issued to one of
the joint account holders when requested. The other joint account
holders shall expressly agree with the arrangement and give
undertaking on the application form for use of Internet Banking. In
case of joint accounts operated by more than one User, Allahabad Bank
shall act on the instruction received first and any subsequent instruction
shall not be considered. All correspondence will be addressed to the
first named person only. All transactions arising from the use of
Internet Banking in the joint account shall be binding on all the joint
account holders, jointly and severally.
8. Charges:
Allahabad Bank reserves the right to charge and recover from the user
service charge for providing the Internet Banking (including but not
limited to the right of charging the user for the use of funds transfer).
The user hereby authorises Allahabad Bank to recover the service
charge by debiting one or more of the Accounts of the user. Failure to
do so shall result in recovery of the service charge by Allahabad Bank
in a suitable manner along with interest, if any, and/or suspension of
the facility of Internet Banking without any liability to Allahabad Bank
and without any intimation to the User in this respect.
Allahabad Bank shall not be liable for any omission to make all or any
of the payments or for late payments due to circumstances beyond its
reasonable control including non-confirmation of Beneficiary
Registration. Allahabad Bank reserves the right to charge the User for
the use of funds transfer by giving due notice on the website about
such charges.
If funds transfer is made available to the user, it may be used for
transfer of funds from user account to his other accounts or to third
party accounts, maintained at Allahabad Bank or at any other Bank
which falls under the network of Reserve Bank of India's Electronic
Fund Transfer system.
11. Hot Payment Facility:
Allahabad Bank provides the facility of payment for transactions
executed on internet through different sites. Allahabad Bank will
execute such transactions only for the sites specified on its website
https://www.allbankonline.in or www.allbankonline.com and will be
responsible for transferring the amount debited to the customer to the
Account maintained by the Service Provider however it will not be
held responsible for any information content on any other site.
12. Application for Facilities through Internet Banking:
The User shall have the option of applying for facilities provided by
Allahabad Bank on Internet Banking. The facility to a User shall be
extended to the User subject to the User complying with Allahabad
Banks credit parameters and submitting all documents required by
9. Minimum Balance:
Allahabad Bank in a physical form to Allahabad Bank. Allahabad
The Bank may, at its discretion, stipulate at any time for maintaining Bank may in its sole discretion reject the application for the facility by
certain minimum balance or levy any charges for availing the Internet the User.
Banking services of the Bank. The user shall ensure that there are The User can check the availability of a pre-approved offer by
sufficient funds (or prearranged credit facilities) in any Account for Allahabad Bank to him through Internet Banking. The eligibility of a
transactions through the Internet Banking, and Allahabad Bank shall User for a facility provided by Allahabad Bank shall be decided by
not be liable for any consequences arising out of its failure to carry out Allahabad Bank. Any pre-approved offer by Allahabad Bank to the
the instructions due to inadequacy of funds and/or credit facilities User does not constitute grant of facility to the User and shall be
provided always that Allahabad Bank shall at its sole discretion, be subject to the User complying with Allahabad Bank's credit parameters
entitled to carry out the instructions notwithstanding such inadequacy and submitting all documents required by Allahabad Bank in a physical
without seeking the prior approval from or notice to the user and the form to Allahabad Bank.
user shall be responsible to repay with interest the resulting overdraft,
advance or credit thereby created and for all related to costs and 13. Authority to Allahabad Bank for Internet Banking:
charges.
The user irrevocably and unconditionally authorises Allahabad Bank to
Allahabad Bank may, at its discretion, levy penal charges for non- access all his Account(s) for effecting banking or other transactions
maintenance of the minimum balance. In addition to the minimum performed by the user through the Internet Banking. The instructions
balance stipulation Allahabad Bank may levy service charges for use of of the user shall be effected only when such instruction is in
accordance with the prescribed procedure.
time. The availability of the new services will be notified to the User as
and when they become available. Any changes to the Terms and
conditions due to introduction of new services will be communicated to
the User. By using any new services as may be introduced by
Allahabad Bank, the User shall be deemed to have accepted the
The user hereby agrees that under no circumstances, Allahabad Bank's changed Terms and Conditions applicable.
aggregate liability for claims relating to Internet Banking, whether for
breach of in tort (including but not limited to negligence) shall be 23. Non-Transferability:
limited to the transaction charges/fees or consideration paid by the user
within the previous twelve (12) months for Internet Banking, excluding The Internet Banking Service of the Bank shall be used only by the
User and is not transferable under any circumstance.
any amount paid towards transactions.
24. Termination of Internet Banking Service:
18. Disclosure of Information:
The User agrees that Allahabad Bank and/or their contractors may hold
and process his personal Information and all other information
concerning his Account(s) on computer or otherwise in connection
with the Internet Banking Service as well as for analysis, credit scoring
and marketing. The User also agrees that Allahabad Bank may
disclose, in strict confidence, to other institutions, such personal
Information as may be reasonably necessary for reasons inclusive of
but not limited to for participation in any telecommunication or
electronic clearing network, in compliance with a legal directive, for
credit rating by recognised credit scoring agencies, or for fraud
prevention purposes.
The user may request for termination of the Internet Banking any time
by giving a written notice of at least 15 days to Allahabad Bank. The
termination shall take effect on the completion of the fifteenth day. The
user will remain responsible for any transactions made through the
Internet Banking until the time of such termination.
Allahabad Bank may withdraw or terminate the Internet Banking
anytime either entirely or with reference to a specific service or user; or
in case of breach of Terms by the user without a prior notice; or if it
learns of the death, bankruptcy or lack of legal capacity of the user.
The closure of all accounts of the User will automatically terminate the
Internet Banking Service.
25. Notices:
To the extent of all outstanding dues, whatsoever, arising as a result of
using Internet Banking Service extended to and/or used by the User, Notices under these Terms may be given by Allahabad Bank and the
Allahabad Bank shall have the right of set-off and lien, irrespective of User:
any other lien or charge, present as well as future, on the
Allahabad Bank and the User agree that if the User opens further
Accounts with/subscribes to any of the products/services of Allahabad
Bank, and Allahabad Bank extends the Internet Banking to such
Accounts or products or services and the User opts for use thereof, then
the Terms shall automatically apply to such further use of the Internet
Banking by the User.
28. General :
(a) The clause headings herein are only for convenience and do not
affect the meaning of the relative clause. Allahabad Bank may subcontract and employ agents to carry out any of its obligations under
this contract. Internet Banking service would be available to the users
I/we hereby declare that I/we have read the above terms & conditions and understood and accept them & agree to abide by it &
shall be binding on me/us.
______________________________________
Signature with
Seal (where applicable)
Annexure-1 (B)
ALLAHABAD BANK
BRANCH_____________________________________
NAME:
ADDRESS:
____________________
Authorized Signatory
Annexure 1(C)
whereever applicable)
without interruption?
Yes
No
Yes
No
Yes
No
Home
Office
Cyber Caf
Instantaneous
Reasonable
Poor
Fund transfer
Status of Cheque
Stop Payment /
deposited
Revocation
Cheque Book
Change of
A/C Transfer
Issue
Address
A/C Statement
7.
DD Issue
Any other
(Please specify)
No
Excellent
Good
Poor
Type of A/C
maintained
A/C Number
Annexure-1(D)
ALLAHABAD BANK
Incident Reporting From for INTERNET BANKING
Incident Tracking Number: AB/IB/
Date:
1. Contact Information for this Incident:
Name: CBS Project Office
Organisation: Allahabad Bank Title:
Phone No.: (022) 27836060
Fax No.: (022) 27833811
Email: cbscell@allahabadbank.co.in
Address: 5th & 6th Floor, CIDCO Banking-II, Plot No. 9 & 10, Sector 19A, Vashi, Navi Mumbai-400705
2. Sector : Banking
3. Physical Location of Affected Computer/Network and name of ISP:
Operating
System(incl.
Ver. Release
No.)
Last Patched/Updated
1
8. Has this problem been experienced earlier? If yes, details
Hardware
Vendor/Model
Private Agency
Infected
Product Other___________
Vendor
11. Additional Information : (include any other details noticed, relevant to the Security Incident)
Whether log being submitted
Mode of submission
12. Type of Incident (If possible to decide at this stage)
IP Spoofing
Break-in
Intrusion
Root Compromise
Prank(s)/Hoax
Denial of service
System Misuse
Social Engineering
Network Scanning/Probing
Technical Vulnerability
Other(Specify)____________
Optional Information
13. IP Address of Apparent or Suspected Source:
Source IP address:
OS
Version/Release
Last
Patched/Update
Anti-Virus
Intrusion Detection
Security Auditing Tools
Secure Remote
Access/Authorisation Tools
Access Control List
Packet Filtering /Firewall
Others
15. No. of Host(s) Affected
1 to 10
10 to 100
USER GUIDE
FOR
INTERNET / MOBILE / SMS
BANKING SERVICES
Allahabad Bank
(A Government of India Undertaking)
Website: http://www.allahabadbank.in
Internet Banking Website: https://www.allbankonline.in
SMS Banking No.: 9795244444
Phone Banking & Call Centre: 1800 22 6061 (Toll Free)
Annexure- 2(A)
b)
b)
c)
d)
Standing Order:
You can give standing orders for transfer of
funds from one account to another, to be
executed
on
a
predefined
frequency
(daily/monthly/month end). You can also
amend or cancel the standing order so
given.
E-PAYMENT:
Using E-Payment facility, you can pay Direct
(CBDT) and Indirect (CBEC) Taxes by debiting
your account online. You can print cyber
receipt and challan.
ENQUIRY:
a) Cheque Enquiry: You can enquire status of a
cheque or range of cheques issued in an
account.
b) Cheque Book Enquiry: You can enquire for
cheque books issued in an account.
c) Outward Cheques Enquiry: You can enquire
status of a specific cheque or all cheques
deposited in an account.
d) TDS Detail: You can view the TDS Details in
your account.
MODELLING:
a) View EMI: You can view the EMI for selected
Loan Product for a given amount and loan
period.
b)
MAILS:
You can send and receive mails to and from
Internet Banking Administrator.
OPTIONS:
a) Contact Details: You can view your contact
details.
b) Change Login Password: You can change
your logon password.
c) Change Transaction Password: You can
change your transaction password.
d) Change User Preference:
i) You can change your User Id. Please
note that you can change it only once.
ii) You can set your display preference.
e) Login History: You can view your login
history.
a)
b)
c)
d)
Balance Inquiry
Mini Statement (last 5 transactions)
Statement Request
Cheque Book Request
Stop Payment
Cheque Status
Fixed Deposit Inquiry
e)
f)
g)
h)
i)
Allahabad Bank
b. Always
i)
Password
/
PIN
or
other
security
information, we will, on your notifying us,
take immediate steps to try to prevent these
from being misused.
f.
a.
Do not
i)
Allow anyone else to use your Password /
PIN or other security information;
ii) Write down or record your PIN, password
or other security information;
iii] Give your account details password or
other security information to anyone;
Website: http://www.allahabadbank.in
Internet Banking Website: https://www.allbankonline.in
SMS Banking No.: 9795244444
Phone Banking & Call Centre: 1800 22 6061 (Toll Free)
CHGPIN
Help on How
to Use
Change SMS
Banking PIN
Balance
BALAVL
LATRAN
Inquiry
Last 5
transactions
Account
Statement
STMACC
Request
[<Date> in
<DD/MM/YY>]
Balance Enquiry
CHQREQ
Cheque Book
Request
HELP
HELP <Message Code>
CHGPIN <New PIN> <Old PIN>
BALAVL <A/c no>
For Primary A/c
BALAVL
LATRAN <A/c no>
For Primary A/c
LATRAN
STMACC <Start date> <End date> <A/c
no>
For Primary A/c
STMACC <Start date> <End date>
CHQREQ <No of Leaves> <A/c no>
For Primary A/c
CHQREQ <No of Leaves>
STPPAY <Chq no> <A/c no> <PIN>
STPPAY
Stop Payment
STPREV
Revoke Stop
Payment
CHQSTS
Issued Cheque
Status Inquiry
9795244444
Stop Payment
Cheque Status
Please also note that:1) On receipt of your PIN, first change your PIN
(4 digit number) using CHGPIN message.
2) For any enquiry or request on a Primary
Account, you need not mention the Account
Number in the above SMS.
3) You are advised NOT to store PIN or messages
containing PIN in your Mobile.
Website: http://www.allahabadbank.in
Internet Banking Website: https://www.allbankonline.in
SMS Banking No.: 9795244444
Phone Banking & Call Centre: 1800 22 6061 (Toll Free)
ANNEXURE - 2(B)
o Mails
Top
How can I enable the Online Banking after getting the User
ID and Password?
Login using the User id and login password.
9 Internet Explorer
Go to Tools
Go to Internet Options
Select General
Click on Delete Files at Temporary Internet
Files
9 Netscape Navigator
Go to Netscape or Edit
Go to Preferences
Double click on Advanced
Select Cache
Click on Clear Memory Cache and Clear Disk
Cache
Top
This
assures
Internet
users
that
they
are
Top
Top
Fake emails ask you for your personal security details such as
A/C number, Credit card number, passwords and PIN
numbers etc. It appears to be from a legitimate source. Some
fake mails promise prizes or offers job. Some fake mails direct
you to counterfeit sites. Very often these fake mails may contain
some spelling mistakes in URL.
Top
system patches.
9 Install personal firewall and anti-spy ware to protect your
bank immediately.
9 Always read the online security tips provided by the
at any time.
Top
ANNEXURE 2 (C)
Privacy Policy
At Allahabad Bank (AB), we recognize the importance of protecting the
confidentiality and security of any personal information that we obtain from
visitors of this web site. We are strongly committed to safeguarding your privacy
online and have established the following privacy policy that will apply to you, as
a visitor of the site:
You are not required to provide any personal information on this website
unless you choose to do so. By submitting your personal information and
pressing the 'submit' button, you consent to the content of this Privacy
Policy and accept the conditions set out herein;
Employees of the Bank will not discuss the business affairs of any client
with any other employee, except on a strict need-to-know basis
We will not sell your personal information to any third parties. We will
only share the information with such third parties if and to the extent
required by law or for regulatory purposes.
This site may contain links to other sites. AB does not control the
information collection of sites that can be reached through links from this
or any site controlled by AB. If you have questions about the data
collection procedures or privacy policy of linked sites, please contact
those sites directly.
ANNEXURE 2 (D)
Disclaimer Clauses
E-mail Disclaimer Clause
Notice: The information contained in this e-mail message and/or attachments to it
may contain confidential or privileged information.
reply e-mail or telephone and immediately and permanently delete the message and
any attachments. Thank you
Web site Disclaimer
HYPERLINKS/THIRD PARTY'S INFORMATION OR CONTENTS
The Bank may include in the Bank's portal contents proprietary to and originating
from other parties or entities ('Third Party's Contents') and/or hyperlinks or web sites
that are owned or operated by third parties. Such linked web sites or Third Party's
Contents are not under the control or verification of the Bank and/or its subsidiaries
and the Bank and/or its subsidiaries shall not accept responsibility for the
consequences of relying upon or accessing any such Third Party's Contents and any
such linked web site or any link contained in a linked web site. Furthermore, the
hyperlinks and the Third Party's Contents provided in this web site or Bank's portal
shall not be considered or construed as an endorsement or verification of the Third
Party's Contents or of such linked web sites or the contents therein by the Bank
and/or its subsidiaries. The user of the Bank's portal or the Bank's customer hereby
agrees that his/her access to and/or use of such Third Party's Contents and linked
web sites is entirely at the user or the Bank's customer's own risk and subject to the
terms and conditions of access and/or use contained therein.
DISCLAIMER
Notwithstanding that reasonable measures will be taken by the Bank and the Bank's
subsidiaries to ensure the accuracy and validity of all information relating to
transactions and products of the Bank and the Bank's subsidiaries and other parties,
the Bank hereby disclaim all responsibility and liability whatsoever in respect of any
consequences damage or loss suffered by any user of the Bank's portal or the Bank's
customer notwithstanding that the same may have been caused by or attributable to
any error, default, omission or negligent act on the part of the Bank and/or the
Bank's subsidiaries. Subject to the foregoing, the information and materials
contained in or accessed through the Bank's portal or web site are provided on an
"as is" and "as available" basis and are of a general nature which have not been
verified, considered or assessed by the Bank and/or its subsidiaries in relation to the
making of any specific investment, business, financial or commercial decision. Such
information and materials are provided for general information only and the user of
the Bank's portal or Bank's web site should seek professional advice at all times and
obtain independent verification of the information and materials contained herein
before making any decision based on any such information or materials.
The Bank and its subsidiaries do not warrant or represent that access to the whole
or part(s) of this Bank's portal or web-site, the materials, information and/or
functions contained therein will be provided uninterrupted or free from errors or that
any identified defect will be corrected, or that there will be no delays, failures, errors
or loss of transmitted information, that no viruses or other contaminating or
destructive properties will be transmitted or that no damage will occur to the
customer's or the user's computer system and the Bank and its subsidiaries hereby
further disclaim all responsibility or liability in respect of any claims based on or
arising from any of the aforementioned events or incidents notwithstanding that the
same may have been caused by or attributable to the act, error, default negligence
of the Bank and/or its subsidiaries.
***
ANNEXURE 2 (E)
Online fraud occurs when someone poses as a legitimate company / link in order to
obtain sensitive personal data and illegally conducts transactions on your existing
accounts. The most current methods of online fraud are usually through fake emails,
Web sites
Phishing:
Phishing is a technique used for illegally capturing the personal information such as
Account Number, Internet Banking Passwords etc. The most frequently used method is
to send spam mails to the users e-mail id. The Spam mail exactly looks like an e-mail
sent by a legitimate authority. The e-mail simply asks the recipient to click on a link and
enter their user id and password.
Never click on any such link and never enter your login id and password
without verifying the authenticity of the web page. Also never copy link
address and paste in the browser to open the website.
Your email address can be obtained from publicly available sources or through randomly
generated lists. Therefore, if you receive a fake email that appears to be from Allahabad
Bank, it does not mean that your email address, name, or any such information has
been taken / derived from our system.
IMPORTANT: Allahabad Bank does not ask for personal security details like
your Internet banking or phone banking passwords on the email, phone or
otherwise.
Never disclose your password to anyone, not even to the bank's staff.
In case you get an email asking you to enter your personal security details or a Bank
staff approaches you to disclose your password, please report to us. You can send an
email to customercare@allahabadbank.co.in
Be cautious about the fake e-mails asking for your personal security details.
Some fake e-mails may offer jobs or prize and you may be asked to provide your
personal information such as credit card number, PIN number, passwords etc. Never get
lured by such emails.
Some fake emails may also contain a virus known as a Trojan Horse that can record
your keystrokes or could trigger background installations of key logging software or
viruses onto your computer. The virus may be in an attachment or can be activated via a
link in the email.
Digital Certificate
Two levels of passwords for Online Banking i.e., login password and transaction
password
Password Protection
Create
and
maintain
different
passwords
for
Login
and
for
Try to avoid passwords that are real words. Use cryptic words as
passwords.
Don't use passwords that are obvious, like your name/ nickname,
names of family members, your address, phone number etc.
Your password should be complex and difficult for others to guess. Use
letters, numbers and special characters [such as!, @, #,$, %, ^, &,* (,
)] in your passwords. These increase the security of the passwords.
PC Protection
A personal firewall will help you to protect your system from intrusion. Firewalls acts
as a fence between your computer and the rest of the Internet. A firewall can be a
hardware device, a software application or a combination of the two. Firewalls can
prevent malicious attacks and block certain types of data from entering your computer or
private network. They can also be set up to alert you if anyone tries to access your
system.
Update your PC with latest Anti-virus software. This will protect you from Code
Contaminants like virus, Trojan horse etc. These viruses can capture and send sensitive
information stored on your hard drive to any other person who has gained remote access
to your computer.
Upgrade your Operating System and Browsers with the most recent patches.
This is also essential for the smooth running of the Internet Banking. This will ensure
your Online Banking session is more secure.
Please visit Security Updates Web site to access current Security
Updates on your
machine.
Block the pop-up windows. Several programs are available for blocking the pop-up
windows. You can download it through the Internet
Never leave your system Online, when you are not using it. You should
disconnect the Internet after the completion of your Online Banking session.
Donts
Dont write down or record your PIN, password or other security information;
Dont share passwords or PIN numbers with anyone.
Dont use your date of birth, name and address as your password.
Dont open or respond to a doubtful email.
Dont open attachments or click links that may contain in a fake email.
Dont use shared computers for your Online Banking.
Dont keep the system online when you are not using it.
Dont use pirated software or software from unknown sources.
ANNEXURE 2 (F)
PHISHING
report
to
us.
You
customercare@allahabadbank.co.in
can
send
an
to
ANNEXURE 3
GLOSSARY
1.
2.
3.
4.
5.
6.
7.
8.
Banks Internet
Banking Website
Banks Website
CBS
CBS-PO
CIF
Customer Care
Email ID
Delivery Channel
9.
E-payment of
Tax
GPRS
10.
Help Desk
11.
Home Branch /
Base Branch
12.
Internet Banking
(IB)
13.
Internet Banking
Team
https://www.allbankonline.in
http://www.allahabadbank.in
Centralised Banking Solution
CBS Project Office
It is currently situated at:
Allahabad Bank CBS Project Office
5th Floor, CIDCO Banking Complex II
Plot No. 9 & 10, Sector 19 A
Vashi
NAVI MUMBAI 400 705
Customer Information File
customercare@allahabadbank.co.in
A channel / mode through which services are
offered to the customer.
Payment of tax made by a customer through
Internet Banking Delivery Channel
General Packet Radio Service is a Mobile Data
Service available to users of Global System for
Mobile Communication (GSM) phones.
It is a cell comprising a team of people who try to
resolve the issues/problems of Branch Users.
Branch which has created a particular CIF for the
customer and keeps all the residential / identity
records/proofs of the customer and maintains his
account.
A delivery channel provided by Bank which offers
certain specified services to the customers through
Internet.
A team of officers at CBS-PO who process the
application forms of customers, generate
password, granting services to customers, receive
mail from customers, ensure implementation of
necessary changes in the Banks IB website /
application.
14.
PIN / Password
15.
16.
SMS
SMS Banking
17.
SMS Banking
Team
Mobile (WAP)
Banking
18.