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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.
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.
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?
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:
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 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 3rd Party Funds Transfer in Net Banking 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 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.
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.
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.
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.
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.
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 3rd 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.
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.
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 .
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 while
using Internet Banking, as this will give opportunity to others around you to operate your
accounts.
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.
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).
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.
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.
The customers of both Retail and Corporate Net Banking application can make online
payments for Central Excise and Service Tax.
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.
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.
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 3rd Party Fund Transfers through Internet Banking
rd
Steps for making 3 Party Fund Transfers through Corporate Internet Banking
Q: How can I reach you for any query related to Oriental Bank’s Net Banking
Services?
The In-charge,
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