Net banking is the Internet Banking Service provided by City Union Bank to all its customers . It is the most comfortable channel for you to experience round the clock banking from any part of the world.
2.Who are eligible for NetBanking?
All City Union Bank Savings Bank , Current account and ODCC Account holders are eligible
for net banking facility.
3.Will I be charged for the net banking facility ?
No. Currently, the Net Banking is offered free of charge. However, all minimum balance/deposit amount requirements of the relevant accounts, if any, need to be honoured.
4.How to get the internet banking facility ?
The branch in which the customer is having his main account (Parent Branch) can be approached to get the necessary forms .The application form need to be submitted to the parent branch after filling up . The internet banking facility will be activated by us and informed to the customer by sending the login password and the transaction password (based on the constitution) pin mailers to the address of the customers. The customers can login into the internet banking account using the above passwords called Internet PINs.
5.How safe are my requests/transactions in Net Banking? Or What security City Union Bank provides in Net-Banking?
Encryption: Your Data and Messages travel in a 256 Bit SSL mode encryption technique which involves scrambling of the information between the user and the Bank to ensure the security of the transactions .
Password: A unique user id and a corresponding Password is received from the user and is validated against the records held at our end. For each financial transaction an additional transaction password is also obtained from the user for validation and verification. These password are not known to anybody except the user himself not even the bank’s employees. If any unauthorised user try to access the account by keying in various combinations of the password, the account automatically get locked. Moreover, when the user log-in to Net Banking, the last date and time of log-in is displayed so that the user can make sure that nobody has accessed the account
Change Password Option: You are provided with an option to change your passwords any number of times through the application. You can change the passwords whenever you feel that your passwords have been compromised.
Data Confidentiality: Your Data and other Information is kept highly confidential. This will not be disclosed to anybody unless legally warranted.
Password Confidentiality: Your Passwords are known only to you. The Passwords are randomly generated by the system and will not be known to any person in the Bank.
Number of Attempts to Login: Since your security is of foremost importance to us, we only allow three attempts for you to login.. After the
3rd attempt your User id will be automatically get locked. You will have to request your branch to unlock the same, by way of a letter.
Validity of Passwords: Your passwords are valid for 90 days. System will prompt you to change your passwords from 10 days before expiry of 90 days from the date of previous change.
Expiry of Passwords: Your passwords will expire after 30 days of generation if you have not logged in. You will have to request for fresh set of passwords thereafter.
6.I Have not received any information about my Internet Banking Application Form whom do I Contact?.
The branch officials of the branch in which your account is opened (parent branch) can be contacted to know the status of the Application form
7.What are the requirements for me to access the facility ?
One require the followings to access the facility.
1. A Personal Computer.
2. An internet connection.
3. A browser (Microsoft IE 6.0 and above and Mozilla Firefox)
4. User id provided by the bank
5. Login and Transaction passwords – provided by the Bank first time –to be changed by the users.
As a security measure , we advise the customers not to access the net-banking from browsing centers even though we have provided basic security features.
8.What is my User id and Passwords?
User id is the Customer Identification number that you will receive on enrolling for Net Banking. This Code will be used by the Bank to uniquely identify you as a Net Banking Customer. You will receive a set of passwords namely Login Password and Transaction Password as well as User id in separate mails for security reasons. On your first login you will be forced to change your passwords to passwords of your choice.
9.How to obtain User id and Passwords?
You will be issued User id and Password only against your specific request after you sign the application to avail the service. You will have to submit the duly filled in application to your branch where you are maintaining your accounts. The Branch will process the application and recommend for Net-Banking and will send the application to the Central Processing Center. You will then receive the User id and Passwords in separate mails.
10.Do you have a demo for the operations in net banking ?
Yes we have provided a demo of the operations in net banking under “VIEW DEMO” in the login page of net banking.
11.What are the services available in net banking ?
Account Summary with Mini Statement
Transactions View and Downloadable Format
Cheque Book Issue
Revocation of Stop Payment
Transfer within CUB
Transfer to Other Banks
Inward Clearing Cheque Details
Request Status Enquiry
Change Logon Password
Change Transaction Password
Change User Preference and E-Mail Registratation
12.How to Login?
You have to visit our Net Banking web site http://www.onlinecub.net to login. You will require the User id, Login Password and Transaction Password sent by us to login to Net Banking Web Site.
13.How will I know that my transaction has been completed?
Depending upon the transaction Net Banking system provides one of the following,:
1. The information sought is displayed
2.A transaction reference number is displayed which can be used as a reference in future for clarification or proof of the transaction .
3. Error page is displayed with appropriate message on why the instructions /transactions could not be carried out.
4. You can verify Your Account Details for the Transaction effected .
14.What is meant by "Real-Time or online transactions"?
In the Net Banking the customer requests are taken and acted upon immediately. All the transactions are processed immediately and automatically by the system. The response to the queries are also given instantly depicting the current position of the accounts of the customers. Hence the transactions are termed as “ Real time or online transactions”.
15.Can I access all my accounts available in different branches under one login id?
Yes. If all the accounts are linked to the same customer number/id , one can view all the accounts.
16.Can I access my accounts when I am out of station ?
Yes . The accounts can be accessed from anywhere at any time . All one need is to have a PC with
an internet connection .
17. I have forgot my Login
ID and Password What should I do?
If you have forgotten both Login ID and Password send a fresh application form to
reset the Password or send a Request letter through
your Branch to Reset the
password. The new password pin mailer will be sent to your Branch within 4
working days after receipt.
18.How can I log-in if I have forgotten my password?
A new PIN (password) is required to login in case the PIN is forgotten . "FORGOT PASSWORD" Option can be used to send the request through online. The new password pin mailer will be dispatched to the home branch of the customer within 4 working days. “Get Instant Password” option can also be used to generate customer’s own password from the system by himself without approaching the bank or waiting for the password . Before selecting this option please ensure that the e-mail id of the customer is already available in the system.
19. How often I have to Change My Password ?
For Security Reason system will force to change the Password
every 90 days. The System will alert 5 Days before the due date. If the user
does not change it at the time of alert, after the 90th day the system will force the
user to change the Login and Transaction Password according to the facility.
20. How can I send the Request to Reset my password through online?
You can use the "FORGOT PASSWORD" Option to send the request through online. The
new password pin mailer will be dispatched to your Branch.
24. While payment of Bill
through online My account was debited but I did not get any confirmation or
the payment was failed at the Biller Institution whom do I contact ?
If the transaction is not successful the solution provider M/s Bill desk.com
will give us instruction to reverse the entries. If you did not got any reversal
within 10 days you can send mail to email@example.com.
27.I am not able to read some digits of the password. What should I do?
The Internet PIN (password) is a Alpha Numeric code which is randomly generated by the system and the only person having access to it is you. We would therefore request you to apply for regeneration of the password.
28.Why is my NetBanking IPIN (password) not functioning?
There could be various reasons for the PIN (password) not functioning .The most
common reason is :
* The PIN (password) is case-sensitive and may not have been entered in the same lower or upper case as mentioned in the PIN envelope sent to you.
29.How do I change my password?
To change your IPIN (password), please follow the instructions given below
* Go to NetBanking Log-in page and key in the Cust ID and password. The passwords are case-sensitive. Please key in the same lower or upper case as mentioned in the PIN envelope.
* After having logged in, change the password using the change password option. The password should be alpha-numeric and the minimum character length is 6
and maximum of 22. Example password phrase will be shown at the bottom of the password change window
30.I have changed my password but am unable to use my old or new password. What am I supposed to do?
This is possibly because:
* The new IPIN (password) is not entered correctly OR
* After three unsuccessful attempts, access to NetBanking has been disabled for security reasons. It will get released automatically after an hour.
31.How can I block my IPIN (password) or un-register ?
A written instruction from you to block your IPIN or to unregister your internet banking can be given to your home branch.
32.What are the measures I can take to ensure greater security?
Log-out from the NetBanking once the transactions were completed. Never leave the PC unattended with the net banking open.
Always change the password continuously, choose "strong" 6 to 22 digit passwords (alphanumeric) and change them regularly; avoid obvious passwords (names of family members, pets, favourite musician etc), and don't reveal the passwords to anyone.
Password should not be written on a paper or in a mobile and kept which may be easily accessible to anyone.
Put in a power-on password in the PC so that nobody else can switch on the machine.
Have a screensaver password so that your workstation can be accessed by nobody when the user is away.
If one think someone knows the password go online and change it immediately
As far as possible avoid using net banking from PCs used by public like internet café and if left with no other option do not leave the PC unattended and ensure that no one is watching the typing. Also ensure that you log out of the net banking immediately after the operation is completed.
Logoff from NetBanking upon completion of the operation by clicking on the logout button and not by shutting the window, so that the session closes . This will prevent the viewing of previous pages of the online session .
Consider running a Personal Firewall, which will prevent unauthorised persons from accessing the computer and guard against the introduction of malicious programs onto the PC.
Update your Operating System and Browsers with the latest patches. Use a Personal Firewall on your PC. Use the latest updated Anti Virus Software Never click on hyperlinks embedded in suspicious email messages.Do not open suspicious email attachments even if it has emanated from a person you know.
Do not disclose your personal information to any Email purported to have emanated from the Bank. We do not seek any personal information over Email.. By maintaining secrecy of your User id and passwords you can prevent unauthorized access.
The best way of maintaining secrecy is to commit your User id and passwords to memory and change your passwords frequently.
Beware of Phishing attacks.: The act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.
The e-mail directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card and bank account numbers, that the legitimate organization already has. The Web site, however, is bogus and set up only to steal the user’s information