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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.
You can avail Oriental Bank’s 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.
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?
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 Bank’s 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, Mother’s 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 customer’s mind.
The fraudsters may use above information to gain access of customer’s account to
commit fraudulent transactions.
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.
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.5,000/- and above and Credit transaction of Rs.10,000/- 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 ONE TIME PASSWORD (except for Tax Payments)
If you want to open the account when you are outside India,
1. Download and fill in the Oriental Bank’s NetBanking Application Form from
Bank’s website i.e. www.obcindia.co.in or https://www.obconline.co.in
2. Submit your Oriental Bank’s 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.
Please ensure to choose the password with minimum 8 characters having at least 1
numeric, 1 special character 1 alphabet (Either small case or CAPS) .Password should
be a combination of alpha, numeric & special characters. It shall make the password
more secure. Further you need to define separate Login and Transaction passwords.
The validity of both SignOn and Transaction password is 180 days. You are however
advised to regularly change your both passwords using option <Personal Profile >>
Security Setting>>Change password>.
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.
Customer can define his transaction limits (Number of transaction and Max Amount) for
various types of transactions like 3rd party funds transfer within Bank, through NEFT,
through RTGS and for e-Commerce transactions.
Visit option “Set Limit” under ‘Favorite’ menu to set these limits. The limits defined
hereunder must be below Bank’s overall transaction limits, which is presently Rs 25 lacs
per day. Customer can also define overall number of transactions per day and also
transaction-wise number of transaction under this option.
For tax payments, customers need not to define any transaction limits.
Under ‘Set Limit’ option, customer can define number of Beneficiaries that can be added
per day.
Q. What happens if I forget my login password?
Not to worry. Password can be re-set online by Retail Users themselves using
‘Forgot Password’ link which comes after entering the User ID. The Retail Net
Banking user’s needs to visit on ‘Online Password Retrieval’ link on Net Banking
website’s login page. Also, 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.
a) Click on “Forgot Password?’ link provided on Bank’s Internet website login page,
just below the password text box.
b) Enter User.ID alongwith Birth date or PAN number on the screen which will be
authenticated online with Bank’s record to proceed further with next level check.
c) After authentication of above details, user will be prompted to select his registered
mobile number from the drop down box. Press on ‘Generate OTP’ button.
d) Enter the received OTP on the given text box.
e) On successful authentication of OTP, the system will finally prompt the user to
enter Debit Card credentials viz Card number, PIN, Expiry period and Primary
Account number linked with Debit Card.
f) The entered Debit card details will be validated online and thereafter user will be
prompted with a new screen to set fresh Login password and transaction
password online.
g) User has to set the password(s) as per guidelines provided on screen.
h) Click on ‘Submit’ button. The new passwords entered by the customer shall be
validated by the system to ensure compliance of password policies of the Bank
and the same shall be updated in the database.
i) The system shall display a message to the user that the new password is updated
successfully.
a) The Retail NetBanking users to click on ‘Online User ID Retrieval’ link on Net
Banking website’s login page.
b) The user needs to enter mandatory details for validations viz. Account number,
which is enabled for Retail Internet Banking along with PAN card number or Date
of Birth.
c) The system shall validate these details and sends a SMS based Unique
Reference No (URN) to the customer’s registered Mobile Number. In case these
details are not validated, the system shall display appropriate error message to
the customer.
d) The system shall prompt the user to enter URN and once the URN is entered, the
same shall be validated.
e) If the URN Number is correct, the system shall display the Account Number and
prompt the user to enter Debit Card Number and ATM PIN.
f) The user to enter his/ her Debit Card Number and ATM PIN which shall be
validated by the system through ATM switch and upon successful response from
ATM switch, the system shall display the User.ID.
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
5 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.
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.
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.
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).Also
User-id can be retrieved online too.
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 OTP, which you will
receive on your mobile registered for SMS Alert facility.
Both Retail Net Banking as well as Corporate Net Banking customers can pay their
Direct Tax payments online. The Tax payment counterfoils are generated instantly
online for customer record.
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.
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.
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.
The concept of cooling period has been introduced Both in Retail as well as Corporate
NetBanking customers, where transaction in newly added beneficiary is allowed only
after 60 minutes of time period to avoid any unscrupulous transaction in the customer
Account.
Steps for making 3rd Party Fund Transfers through Internet Banking.
Steps for making 3rd Party Fund Transfers through Corporate Internet Banking.
The Incharge,
Internet Banking Department
Oriental Bank of Commerce
(A Govt. of India Undertaking)
Corporate Office
5th floor, annexe building,
Plot 5, Industrial Area
Sector 32, Gurgaon-122001
Email: ibank@obc.co.in
Toll Free Customer Care No. – 1800-180-1235
Toll Customer Care No.- 0120-2580001