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Oriental Bank of Commerce

Net Banking 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 Net Banking facilities, customers can view their account details, conduct online Funds transfers and do e-Commerce transactions online. It is a an effective internet tool helping people across the globe to manage their account operations online anytime.

Q. How I can avail Net Banking Services?

You can register yourself for Retail Internet Banking through ‘Self User Creation’ option available on landing page of www.obconline.co.in or ‘Register Now’ on Retail Net Banking Login page. You will be able to use the same in 24-48 hours after “Self User Creation”

Alternatively, you can avail Oriental Bank’s Net Banking (Retail & Corporate) services by submitting duly signed application form to your base branch. You may download the application form from our corporate website https://www.obcindia.co.in (“Forms Download” link available at bottom of the Home Page) or you can also download it from Net Banking website login page i.e. https://www.obconline.co.in.

Q. What Security measures have been implemented in your Net Banking Application so as to ensure safe and secure transactions?

Our Bank has implemented strong security measures for Net Banking 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 Net Banking 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 Net Banking 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 customer’s 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 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.

Q. What general precaution should I take while accessing Net Banking Application

and prevent myself becoming phishing victim?

1. NEVER access Net Banking 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 Net Banking 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 Net Banking Application

6. In case you feel that you have compromised your Net Banking credentials on any fake website, immediately inform the Net Banking Cell and also deactivate your Net Banking Login yourself by putting wrong passwords several times for your actual User Id on the login page of our actual Net Banking site:

Q. What steps have been taken by Bank to prevent customers falling prey to phishing attacks.

It is an endeavor to make our Net Banking 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 Net Banking Customers. The facility of transfer of funds to third parties including e-Commerce transactions through Net Banking without availing the SMS Alert facility is not available now.

The Bank has implemented "Beneficiary Registration Process" for both Intra and Inter

Bank 3 rd

phishing attacks.

Party Funds Transfer in Net Banking since 1st October 2010 to prevent

In process of registration of such beneficiary a “ONE TIME PASSWORD” is being sent by the Bank’ Net Banking 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 “ONE TIME PASSWORD” 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.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)

Q.

Services?

I am a non-resident Indian. How do I apply for Oriental Bank’s Net Banking

If you want to open the account when you are outside India,

1. Download and fill in the Oriental Bank’s Net Banking Application Form from Bank’s website i.e. www.obcindia.co.in or https://www.obconline.co.in

2. Submit your Oriental Bank’s Net Banking application form with a copy of your passport to the branch where you have accounts.

3. After creation of user id, passwords will be sent on your registered mail id.

4. You can also create your net banking user id on your own by using self-user creation on our net banking landing & logon page with the help of ATM card details. After registering the same, the Accounts will be shown in your Net banking within 2 working days.

Q. When can I change the system generated User-id and Password?

It is mandatory for you to change the system generated passwords with your own password at first login. Further you can also change your passwords anytime using Personal Profile->Security Setting->Change password menu Option. You can change the Net Banking User Id using Personal Profile->Other Settings->Update User ID.

Q: Is user id and password case sensitive?

User id is not case sensitive whereas passwords are case sensitive.

Q: I have accounts in 2 branches of Bank. Should I have separate user ids?

Customer should have only one Customer ID under which various accounts are opened. The account(s) can be opened at any branch of the Bank. However for all Accounts, the Customer ID remains the same. As such, customer can have single User ID to view his/ her Accounts opened at different Branches.

Q. How to choose passwords?

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.

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 Net Banking passwords?

The validity of both Sign On and Transaction password is 180 days. You are however advised to regularly change both passwords using option Personal Profile-> Security Setting->Change password.

Q. I am currently availing “View Only” Net Banking 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 Net Banking User id in your letter. Within 2 working days, you will receive your transaction password on your registered mobile number. Thereafter you can utilize the various payment facilities being offered through our Net Banking 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) and passwords are case sensitive. Further kindly ensure that the browser being used at your end is java enabled.

Q. How to register Beneficiaries?

Beneficiary is the 3 rd party Account to whom payment is to be made. Customer need to use “Manage Beneficiary” option available under menu Transactions->Transaction Support Services to register beneficiaries for Interbank and Within Bank Funds transfer types. Also during Beneficiary registration, customer need to define the upper Transaction limit and number of transactions per day permitted for that beneficiary.

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 cannot 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.

5.

Check the transaction amount falls under the transaction limits defined under the “Set Limit” option and also under transaction limit defined for selected Beneficiary.

Q.

How much Funds Transfer can I make through Retail Net Banking?

Customer can define his/her transaction limits (Number of transaction and Max Amount) for various types of transactions like 3 rd party funds transfer within Bank, through NEFT, through RTGS, through IMPS 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 Rs25lacs 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 and current limit for tax has been set at Rs10Crore maximum.

Q. How many transfer beneficiaries can be added in a day and how to manage it?

Under ‘Set Limit’ option, customer can define number of Beneficiaries that can be added per day. Maximum number of beneficiaries that can be added in a day is 10 in Retail Net Banking.

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 needs to click on ‘Forgot Password’ 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.

Q. How to reset retail net banking password online?

The Password can be reset online:

a) Click on “Forgot Password’ link provided on Bank’s Internet website login page, just below the password text box.

b) Enter User ID along with 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.

Q. What happens if I forget my User-id for Internet Banking?

The user-id can be retrieved online:

a) The Retail Net Banking 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 ‘Your login is disabled’, what should I do?

The Net Banking login gets disabled, if you continuously enter the wrong Login password 5 times. As such, you can enable Login and/or Transaction password(s) yourself through ‘Forgot Password’ option available on Login page. Alternatively, you can submit a written request to your Branch for issuance of new password or email a scanned copy of your request to Net Banking 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 while using 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.

User ID will be your Customer ID, which you can also check in first page of your passbook. However, you have to take up the matter with your branch in case you have not received password(s) on your registered mobile number. User ID can be retrieved online too.

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. New Accounts are updated in your net banking in 2 working days.

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 Net Banking

transactions?

Yes, it is mandatory to avail SMS Alert facility for performing any Net Banking transactions. SMS Alert facility can be registered by visiting any of our branch office/through ATM’s. SMS Alert Charges of Rs.15/- will be charged in all operative accounts excluding Basic Saving Deposit on quarterly basis. For doing any funds transfer, you need to enter SMS based OTP, which you will receive on your mobile registered for SMS Alert facility.

Q. What is OTP (One Time Password) and what is its use?

For more secure Funds transfer and e-Commerce transactions through Net Banking Channel, a SMS based secret code called “One Time Password” is sent to your registered mobile number. You need to enter this One Time Password while authorizing your online transactions along with your User.ID and Transaction Password.

Q. How can I make Direct tax payment?

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.

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 Net Banking 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 customer’s record.

11. To generate Duplicate Challans anytime, the customer can visit the following option:

Tax Payment >> Direct Tax Duplicate Challans Report.

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 can I 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.

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 Net Banking 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 customer’s record.

16. To generate Duplicate Challans anytime, the customer can visit the following option:

Tax Payment >> View Tax Payments. Here the User needs to enter the Tax type

(Excise/ Service), Assessee code and transaction period to print the Duplicate Challans for Indirect tax payments.

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 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 can I make RTGS/NEFT Payment through Internet Banking Channel ?

Both Retail and Corporate Net Banking 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.

Q.

What is the concept of cooling period?

The concept of cooling period has been introduced both in Retail as well as Corporate Net Banking customers, where transaction to newly added beneficiary is allowed only after 24 hrs. for NEFT/RTGS/WIB transfer & 1hr for IMPS transfer to avoid any unscrupulous transaction in the customer Account. Although IMPS is not available to corporate Net Banking users.

Steps for making 3 rd Party Fund Transfers through Internet Banking

(a) Registration of Beneficiary Account and Initiation of Third party transaction for Retail Net Banking

1.

Click on the “Manage Beneficiary” option available under ‘Transactions” and select “Add Interbank Beneficiary”.

2.

Enter the Beneficiary details viz. Account Number, Account Name, IFSC Code and select Mobile Number. In case SMS Alert service is activated on more than one mobile, select the Mobile Number on which “ONETIME PASSWORD” has to be sent.

3.

Click on “Self -Confirmation” button.

4.

At this stage, an SMS will be sent on the selected registered Mobile number of the customer, containing the secret “One Time Password”. Enter the above “One Time Password” in the Net Banking Application option “Pending Self Confirmation”.

5.

Customer can now proceed with Fund Transfer option “Initiate NEFT\Initiate RTGS\Initiate IMPS (P2A)” 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 “One Time Password”

3.

Customers will be able to make 3rd party transfers only to the confirmed registered Payees.

4.

With the introduction of ‘cooling period’ during Beneficiary Registration, transactions are allowed only after the period of 24 hrs. for NEFT/RTGS transfer & 1 hr. for IMPS P2A transfer.

(b) Registration of Beneficiary Account for Corporate Net Banking

Click on <Transaction> option, select <Manage Beneficiary> under <Transaction Support Service>

Select the “Add NEFT\RTGS Beneficiary” option

Enter the Beneficiary details viz. Account Number Account Name, IFSC Code.

Validate the beneficiary addition through transaction password

Now,

Go to <Transaction>

option,

select<Pending

Self

Confirmation>

under

<Transaction Support Service>

At this stage, an SMS will be sent on the selected registered Mobile number of the customer, containing the secret “One Time Password”. Enter the above “One Time Password” in the Net Banking Application option “Pending Self Confirmation”.

Customer can now proceed with Fund Transfer option “Initiate NEFT\Initiate RTGS” to any registered beneficiary, to be chosen from the drop down list, including the newly confirmed Beneficiary

Steps for making 3 rd Party Fund Transfers through Corporate Internet Banking

Login from maker ID and Click on <Transaction> option, select <Initiate NEFT\RTGS> under <Transaction MANAGEMENT>

Select Debit Account no, beneficiary accounts no, fill amount to be debited and the date of transaction. After providing the details click on continue button

In case of e-Corporate, Maker need to select the <next authorizer.id>, from the lookup link, who will authorize the transaction after selecting approval provide transaction password to validate the initiation of transaction from maker end

A transaction reference number will be generated on the screen.

For e-Retail application, the message “Successful transaction along with 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)

Authorization for e-Corporate User (Checker)

Visit <View Approval Queue> Section Under <Transactions>

Screen will show all pending transactions, which are yet to be authorized.

Select the transaction to be authorized and click on Approve button.

Check the details of transactions viz. Beneficiary Name, Txn amount etc before authorizing the transaction

Authorizer will approve the transaction by giving his Transaction Password.

Message “Successful transaction’ will be displayed to the users.

Users can select <View All Transaction> option to view the various NEFT/RTGS Payments.

Q: How can I reach you for any query related to Oriental Bank’s Net Banking Services?

Address of Internet Banking Cell at Gurugram

The In-charge, Internet Banking Department Oriental Bank of Commerce (A Govt. of India Undertaking) Corporate Office 5 th 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