You are on page 1of 4

OTHER ONLINE PAYMENTS Income Tax / TDS Payments Service Tax / Central Excise MCA21 Payments LIC Premium

Payments Online Shares Trading TNEB Payments Facilities at our ATMs • Round-the-clock Cash Withdrawals with our conveniently located 24 hour ATMs, all free of cost. • Cash and Cheque Deposits - 24 hours. Absolutely free. Just deposit cash at our A TMs and it will be credited into the account on the next working day. Similarly cheques too can also be deposited. • Balance enquiry & statement of account - ATM screen will display the balance in the account on selecting the option. A mini statement comprising last few transa ctions can also be obtained from the ATM. BANKING ENQUIRIES & FUND TRANSFERS . . through your mobile phones The facility of Mobile banking through J2ME Application works on a secured, menu based and user friendly J2ME technology which is compatible to all GPRS/Java en abled mobile phones (Java version MIDP 2.0 and above) using both SMS & GPRS mode s. Who are eligible ? The existing mobile banking customers can avail the new J2ME mobile banking faci lity immediately. The new customers, who want to avail the facility, should requ est his Home Branch for enabling the Mobile Banking facility and then can avail the J2ME facility. Downloading the Application: The URL link for application download will be sent to the customer’s mobile when t he customer sends the request “IndMobile” through his mobile to our mobile banking s ervice number (9444394443). The J2ME Mobile banking application can also be down loaded from the bank’s website directly using USB/GPRS. Registration of J2ME Application: To install the J2ME application in the mobile handset, the customer opens the ap plication and the registration process will start automatically wherein the cust omer needs to enter the Mobile Number & 4 digit numeric MPIN. The customer will register the 6 digit application password as per his choice. Upon successful val idation of MPIN, CIF & the Mobile No, the system starts registration and synchro nization of Linked Accounts & Added Beneficiary Accounts. Security Aspects: The requests and responses are sent through encrypted/ secured messaging format using end to end encryption. Application password is required to be keyed in by the customer to open the application and the customer has to use MPIN while maki ng queries/ transactions. The customer can anytime change the Application Passwo rd (and/or) MPIN. Regarding funds transfer, the customer can transfer funds ONLY TO PREVIOUSLY ADD ED BENEFICIARIES. The customer can also add new beneficiaries through “Add Benefic iary” option either through Net Banking or Mobile banking module. Services available in the application: Primarily, the customer can transfer funds up to the limit of Rs 50,000 per day as per RBI norms and the following services are also available in the module. Enquiries: Account Balance Enquiry, Last Transaction Enquiry, Issued Cheque Sta

tus Enquiry and Funds transfer limit enquiry services are available. Funds Transfer: The user can effect funds transfer between his own Accounts, to Other IB Accts, IB Credit Card Accts and to Other Bank Accounts.The facility wi ll be activatated based on a seperate application to the home branch. » Application form to enable Fund transfer (.pdf) Miscellaneous Services: The customer can change MPIN / Application Pwd, can add/ view/delete beneficiary account details. Other Services: The customer can any time update his linked accounts/beneficiary account details. Whenever a new version of the application is released by the B ank, the same may be upgraded to the mobile. If the user wishes to remove the ap plication from his mobile, the provision to deactivate the same is also made ava ilable. Call for your Enquiries Anytime, you can have following information about your a ccount like Balance Enquiry Account Details Issued Cheque Status Enquiry Deposited Cheque status Enquiry Change of TPIN By calling Toll-free number 1800-425-3425 Anytime, Anywhere Refer call-flow of INDphoneBANKing. How to avail the service ? • Pick a form available at our CBS branches. • Fill and submit it at your respective Indian Bank Branch. • You will receive your T-PIN with in seven working days. • Acknowledge the T-PIN, as soon as we receive the acknowledgment your account wil l be activated within 48 hours. What is T-PIN (Tele Banking PIN) ? • T-PIN (Telebanking Personal Identification Number) is sent to you in a confident ial envelope in a one time use secured PIN mailer. • T-PIN is a four digit password which has to be produced every time INDphoneBanki ng is called. • In case the PIN mailer is found open, damaged please contact respective Branch i mmediately. • Once pin-mailers are received, we advise you to change PIN of your own choice. How do I use INDphoneBANKing (Call Flow) ? • Call Toll-free INDPhoneBANKing number, 1800-425-3425 anytime. • You will be greeted by IVR (Interactive Voice Response) : “ Welcome to Indian Bank Tele Banking Services, Press * button to continue” • “Please enter your 9-digit CIF or customer Identification number” will wait for 9 di gits to be entered, if less digits are entered or incorrect number is entered it will say “Invalid CIF numbers” • If data is entered correctly, respond to the request of Interactive Voice Respon se system • The customer can enter the required numbers straightaway without waiting for com pletion of recorded information. (System will accept incorrect entry only twice, after that phone will get disconnected). A • • • word of Caution !!! You can enter incorrect data only twice after that phone will be disconnected. Avoid entering wrong T-PIN as it may cause delay and disruption of services. Don’t keep a written record of your password/PIN.

Customers are advised to maintain the secrecy of Password/PIN. Your acceptance o f the service means the acceptance of terms and conditions of the services provi ded along with form.

Note :You can link all your account Held with us with one CIF or customer number the Internet/Phone/Mobile banking facilities will be Extended automatically to all your accounts.

1. Select Products and Services of our Bank 2. Guidelines for Opening of accounts i. Salient features of KYC Norms and the need for production of documents for o pening of accounts ii. Facilities to old/sick/physically impaired persons iii. Facilities to visua lly impaired persons iv. Guardianship in deposit accounts-Legal Guardianship Cer tificate issued under the National Trust Act, 1999 empowering the disabled perso ns with autism, cerebral palsy, mental retardation and multiple disabilities v. Separate line in front of each counter for senior citizen vi. SB Account Rules v ii. Current Account rules viii. Nomination Rules- Need for Availing Nomination f acility 3. GOALS/ COMMITMENTS i. Citizens’ Charter ii. Bankers’ Fair Practices Code iii. Cod e of Bank’s Commitment to Customers iv. Salient features of Fair Lending Practices Code v. Code of Bank’s Commitment to Micro and Small Enterprises 4. OUR PRINCIPLES/ SALIENT FEATURES OF OUR POLICIES i. Policy on Deposits and ou r Deposits schemes to Non-Resident Indians. ii. Policy on Collection of Cheques/ instruments iii. Policy on Compensation to customers for deficiency in services rendered. iv. Policy on Collection of dues and Security repossession v. Polic y for General Management of the branches vi. Policy on collection of US Dollar denominated cheques 5. COMPLAINT/ GRIEVANCE REDRESS i. Policy of Complaint/ Grievance redress ii. Ba nking Ombudsman Scheme 2006 iii. Right to Information Act III. RIGHT TO INFORMATION ACT (RTI ACT), 2005 RTI Act 2005 has been enacted with the intent of facilitating the right of Citiz ens to obtain information from public authorities and to promote transparency and accountabili ty of public authorities. The Citizens are entitled to get any ‘information’ which term includes material in any form be it documents, records, opinions, advices, Circulars, Contracts, Press re leases, Email etc., held in electronic form or in any other form. Section 8 of the Act stipulates the exemptions from disclosure of information. T he common exemptions which are applicable to Banks are ‘commercial confidence’, ‘matters of fidu ciary nature’ and ‘personal information not involving any public activity or interest’, and ‘u nwarranted invasion of privacy’. These information are made accessible through a designated person ‘Public Informat ion Officer (PIO)’ and appeal, if any shall be made to the next higher authority in th e said organization within 30 days of decision rendered by the PIO. Second appeal is op en to be made to Central Information Commission within 90 days. Details of Public Information Officer Details 6. INFORMATION / AWARENESS i. Salient features of genuine currency notes circula

ted by RBI ii. Notices on RBI Clean Note Policy iii. Monthly Customer Meet iv. A uthentication of Pass book entries v. Time Norms for banking services