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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 their accounts effectively. Using NetBanking facilities, customers can view their account details, conduct online Funds transfers and do e-Commerce transactions online. It is a strong effective internet tool helping people across the globe to manage their account operations online anytime. Q. How I can avail NetBanking Services? You can avail Oriental Banks NetBanking services by submitting duly signed application 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 website https://www.obcindia.co.in (Forms Warehouse link available at bottom of the Home Page) 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 NetBanking Application so as to ensure safe and secure transactions? Our Bank has implemented strong security measures for NetBanking operations. Our website is certified by VeriSign thereby complied with International Standards and is regularly audited by external security agencies. Further it is ensured that all the data from customer's system to NetBanking server and vice-a-versa is transferred in encrypted manner. Thus the confidentiality of customer's data is ensured when he/she performs any activity in the Bank's NetBanking system. In case of funds transfer through Internet Banking, the transactions can be undertaken through two steps viz After logging in to the Internet Banking site of the Bank through the enquiry password stored 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 encrypted form, as defined by the customer himself. As such, the transactions through Internet Banking are facilitated only after inputting of valid passwords by the customer who only has the custody of these passwords. During the first login, customer is forced to change their default password(s).

Q. What is Phishing? Phishing is an attempt by fraudsters to gain private and confidential information, usually by sending emails appearing to be from the customers Bank. The email addresses are gathered / purchased by these miscreants through non-trusted public websites where the user might have revealed personal information. The message of the email contains text like Due to upgrade of our system, we encountered problem with your account. However, you will be unable to presently connect to your online account. We therefore kindly ask you to follow the link below for immediately update / validate your online account. Thus, the user is encouraged to click on the link in the email which leads to a fake website with similar look and feel as that 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 identity information like Date of Birth, Mothers Name, Phone / Mobile No. etc. Once this information 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 to commit fraudulent transactions.

Q. What general precaution should I take while accessing NetBanking Application and 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 phishing risks. 4. Kindly do not reveal any sensitive information in response to any e-mail sent by any person purported to be representing the Bank, as this might be a phishing attack. Do Not Click on any link provided on such mails soliciting information pertaining to your account. 5. Please check the URL first (https://www.obconline.co.in) before you login into the NetBanking Application 6. In case you feel that you have compromised your NetBanking credentials on any fake website, immediately inform the NetBanking Cell and also deactivate your NetBanking Login yourself by putting wrong passwords several times for your actual User.Id on the login page of our actual NetBanking site: https://www.obconline.co.in.

Q. What steps have been taken by Bank to prevent customers falling prey to phishing attacks. It is an endeavor to make our NetBanking service more secure and to save our customers from falling prey to phishing attacks, following additional steps have been taken by our Bank: Availing SMS Alert facility has been made mandatory for NetBanking Customers. The facility 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 prevent phishing attacks. In process of registration of such beneficiary a Tracker ID is being sent by the Bank NetBanking Server through SMS on the mobile number of the customer already registered with the Bank for SMS Alert Service and registration of beneficiary for fund transfer 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 of Rs.2000/- and above and Credit transaction of Rs.5000/- and above are sent to customers. However in case the transactions are undertaken through ATM/ Debit Card, SMS Alerts is sent irrespective of the transaction amount. For more safe and secure e-Commerce transactions, it has been made mandatory to enter SMS based Tracker ID (except Direct and Indirect Tax Payment and Railway Reservations)

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 from Banks 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 your passport to the branch where you have accounts. 3. After receiving the User-Id from Bank, FAX/Email (with scanned signature) to your branch 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 own convenient passwords at first login. Further you can also change your passwords anytime using <Customize >> Change password> menu Option. You however cannot change the NetBanking User.Id.

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 or Survivor or Any of Us, then for the same account(s), there can be more than two User.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 will automatically display all the accounts through single NetBanking user id. However if you have accounts with different customer ids, you may request the Branch Manager to change the Customer.ID of the other Account, so that the other account is also attached to your existing Internet Banking User id. Q. How to choose passwords? Please ensure to choose the password of minimum 6 characters and the password should be a combination of alpha, numeric & special characters. It shall make the password more secure. Transaction password change requires atleast one special character to be included. Further you need to define separate Login and Transaction passwords. 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 guessable from your personal information known to others such as names in the family, vehicle numbers 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 not divulge 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 however advised to regularly change your both passwords using option <Customize >> Change your 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 facility for 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 branch office. Thereafter you can utilize the various payment facilities being offered through our NetBanking Application viz. Online Fund transfer within OBC Bank Branches, Fund

Transfer to other bank Branches through NEFT/ RTGS, Online Shopping, Tax Payments, 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 are not reading l (L) as 1 (Numeric 1). Further kindly ensure that the browser being used at your 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) Transaction password as without Transaction password you can not initiate any payment. 2. You have changed your transaction password first by logging into the Internet banking website https://www.obconline.co.in before initiating any payment. 3. While making payments, you need to first enter your login password to authenticate your User.id thereafter you need to enter your transaction password to authenticate your financial transaction. 4. You have registered your account for SMS Alert facility, as without availing the SMS Alert 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 passwords may be obtained from the Bank against a request in writing duly signed by concerned Users. The request may be forwarded to the concerned branch or a scanned copy of the request letter may be mailed to ibank@obc.co.in for processing the same. You may also 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 password 4 times. As such submit a written request to your Branch for issuance of new password or email a scanned copy of your request to NetBanking cell on email.id IBANK@obc.co.in.

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 the system-generated passwords for the first time. The first two characters of the password are Character type only and rest are of Numeric 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 java enabled. 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 Internet Banking page, your session will end. Kindly do not leave your system in between doing Internet Banking, as this will give opportunity to others around you to operate your accounts. 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 received your User-Id, branch will inform you the User.Id and check whether you have been properly enabled for this facility and will check your communication address etc. In case you 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 the Customer 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 to view all type of account(s) using single User.ID and there is no need to put any additional request. Q. How I can avail SMS Alert facility? Customers are required to submit duly filled application form to avail the SMS Alert facility. The application is available at Branches and it can also be downloaded from Bank'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 NetBanking transactions. It is offered free of cost which you may avail by visiting any of our branch office. For doing any funds transfer, you need to enter SMS based Tracker ID, which you will receive on your mobile registered for SMS Alert facility.

Q. What is SMS Tracker ID and what is its use? For more secure Funds transfer and e-Commerce transactions through NetBanking Channel, a SMS based secret code called Tracker ID is sent to your registered mobile number. You need to enter this Tracker ID while authorizing your online transactions alongwith 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 generate the e-Commerce Tracker ID from NetBanking application Transfer >> Generate eCommerce Tracer ID. Q. What is the validity of e-Commerce Tracker ID and whether I can perform multiple transactions using this? e-Commerce Tracker ID is valid for a period of 12 hours. You may undertake multiple eCommerce transactions using same Tracker ID within that time period. Q. How I can make Direct tax payments. Both Retail Net Banking as well as Corporate Net Banking customers can pay their Direct Tax payments online (Per day and Per Transaction limit is Rs.10/- lacs for Retail NetBanking customers). The Tax payment counterfoils are generated instantly online for customer 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 Account number 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 the Approver details while entering the tax details and also note down the transaction reference number, which is generated after giving the transaction password. Thereafter APPROVER has to approve the Direct Tax transaction by visiting Approvals option and giving the transaction reference number. This will generate online Taxpayer Counterfoil.

Q. How I can make In-Direct Tax payments. The customers of both Retail and Corporate Net Banking application can make online payments for Central Excise and Service Tax (Per day and Per Transaction limit is Rs.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 types of accounting codes will be listed here from which a maximum of 6 different accounting 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 and click 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 the amount for different accounting codes, as selected by you. 12. Click on Calculate Total Payable Amount link to sum up the total of all amounts of different 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 Duplicate Challans for Indirect tax payments. Note:- Corproate customer who is initiating the tax payment must provide the Approver details while entering the tax details and also note down the transaction reference number, which is generated after giving the transaction password. Thereafter APPROVER has to approve the In-Direct Tax transaction by visiting Tax Payment >> Payment Approvals section. Customer need to select the transaction and then click on Approve button to generate online Taxpayer Counterfoil.

Q. How I can make RTGS/NEFT Payment through Internet Banking Channel Both Retail and Corporate NetBanking customers can initiate NEFT/ RTGS Transactions. However Corporate customers have to make NEFT/ RTGS Payment as per their workflow (Make-Checker concept). Using Internet Banking, funds through NEFT/ RTGS can be sent only to pre-registered beneficiaries. The beneficiary registration 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 Party Transfer within Bank OR Transfers Outside the Bank options. 2. Enter the Beneficiary details viz. Account Number, Account Name and select Mobile Number. In case SMS Alert service is activated on more than one mobiles, select the Mobile Number on which Tracker-ID has to be sent. 3. For NEFT/ RTGS payments, enter IFSC Code or alternatively IFSC Code can be located 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 the Tracker.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 Beneficiary Registration Confirmation within 24 hours time from the entry of particulars, to confirm 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 Party Transfer 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 a time period of 24 hours, failing which the registration process for the newly added payees will expire. 3. Customers will be able to make 3rd party transfers only to the confirmed registered Payees.

(b) Steps for e-Corporate user (Maker) / e-Retail User. Click on <Make Payment> 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.

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, PIN details without using any special character viz. *, _, ^, %, $, #, @, ! etc. Click on <Add> option to save Beneficiary details. Customer will be prompted to select the Mode of Payment i.e. <NEFT> or <RTGS>, in case the transaction amount is above Rs.2.0 lacs otherwise NEFT Mode by default is selected.

In case of e-Corporate, Maker need to select the <next authorizer.id>, from the lookup 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 the transaction reference number under <Approval> menu option.

(c) Authorisation for e-Corporate User (Checker) Visit <Approval> Section Enter the RTGS/NEFT transaction reference number in field <REFNo> and click on <Retrieve> 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 before authorizing 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 <View Payments Made> option to view the various NEFT/RTGS Payments and to know the UTR Number of the NEFT/RTGS transaction. To view 3rd party transfers within Banks accounts, user can select Inquiry for within Bank Transfers option.

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: ibank@obc.co.in