FREQUENTLY ASKED QUESTIONS (FAQs) on BARODA CONNECT Services:
Q) What is “BarodaConnect”?
“BarodaConnect” is an umbrella for all the products offered by the bank under eBanking (Internet Banking and Mobile Banking, to start with).
Q) What is Internet Banking?
Internet Banking indicates banking facilities offered to the customers, on Internet. Due to this facility, you will be able to access the services, from your office/ house using own computer. With this facility, you will be able to carry out following major activities….
o View balances in your all linked accounts.
o Transfer the funds from one account to another account of your own.
o Transfer the funds from his any account to account of third party (within the bank).
o Pay utility bills on real time basis.
o Request for Cheque book, DD, Banker’s Cheque, FD renewal etc., (in offline mode).
o Receive alerts for various transactions done/ for various actions (as per list attached).
o Upload salaries for all your employees and credit will be given to the employees on real time basis (only for corporates).
o Pay the vendors online (only for corporates).
These services are quite safe with 128-bit encryption Secure Socket Layer (SSL). This is the highest level of security layer presently available. This will ensure that the password and other sensitive information, while traveling on Internet will be in encrypted form and thus not available to the hackers.
Q) We are holding joint account. How we will access Internet Banking?
You can access Internet Banking despite having joint account, provided operating instructions given are…
v Either or Survivor.
v Any one or Survivor.
For every account holder one individual user id will be given by the bank, after you apply for the same. He can access the account and carry out operations, as desired.
However, you will not be able to avail Internet Banking facility, if in your account, operating instructions are…
v Payable jointly
v Any two or survivor
Q) Is it necessary to own a computer or whether we can access Baroda Connect from any computer?
“BarodaConnect” can be accessed from any computer (including one from cyber café) having internet facility. However, you are advised to be extra cautious while accessing the services from cyber café.
should I have to use the services?
You just should have a PC with
· 16 / 32 MB RAM.
· 10-20 MB free space Hard Disk Capacity.
· Any operating system that supports the browsers like Windows 2000, Windows NT.
· Access to the Internet.
· Internet browser – Google Chrome Version 52 or Internet Explorer 5.0 and above.
(For desired view and exact functionality, the above mentioned versions of browsers are required.)
Q) What are the charges for usage of these services?
These services are absolutely FREE, only except DD/ BC/ Cheque book charges and stop payment charges as per our extant guidelines and courier charges for mailing the same.
You will get SMS on your mobile, as a part of alerts, as subscribed by you and the same will also be FREE OF COST.
Further, if you forget the password or your password is blocked (for wrong usage for more than 5 times), your password will be enabled, free of cost.
There are NO HIDDEN CHARGES for usage of these facilities.
(However, please note that the Bank reserves rights to start charging any of these services)
2.0 LOGIN & PASSWORD:
Q) How can I apply for Baroda Connect?
The form for Baroda Connect is available on our Bank’s website, on our Internet Banking portal, at our branches. Please take this form and submit it to the branch where you are maintaining your account. (please advise customer to refer terms and conditions, as given on www.bobibanking.com for details).
The branch Relationship Manager (RLM) on verifying the relevant details will forward the application to corporate office and you will receive User Id and Password directly from corporate office, within span of 15-20 days.
First you will receive your user id and after a gap of say 4-5 days, you will receive password. Please note that based on the proof of delivery signed by you (at the courier person, when you will get user id and password), your account will be verified.
If the PODs are not signed by you, but by your trusted family member, then only after receiving confirmation from you that you have received user id and password in un-tampered form, we will enable your user id. Please remember that this is for your own security.
However, you can apply for Baroda Connect account only if…
v You are having an account with any of the CBS branches of our bank (for list of CBS branches, please visit our website or Internet Banking portal)
v If you are having joint account, then operating instructions must be Either or Survivor, Any one or Survivor.
In addition, following types of persons will not be eligible for Internet Banking….
Ø Dormant accounts holder
Ø Inoperative accounts holder
Ø Holder in accounts where garnishee / attachment order is received.
Q) How should I log in?
You must have received your user id and password in two separate sealed envelopes in untampered form. (If they are tampered, please inform IMMEDIATELY on email@example.com). You will be forced by the system to change the same, when you will log in for the first time.
We request you refer the guidelines on password security given in user guide.
Q) What if I am unable to login with the couriered Password and alloted user Id?
In such case, please ensure the following..
o You have received mail from the bank, in having enabled your account.
o Caps lock is not on inadvertently. (passwords are case sensitive).
o Num lock is not off inadvertently.
You have not tried for more
than 5 times (this will block your password and you will have to approach the
Q) How do I choose the password, while changing the same?
While finalizing your password, please note that…
v It must be minimum 8 digit long and maximum 16 digit long.
v It must contain an alphabet (A-Z or a-z) and a number (0-9) and a special character (@,$,#,* etc.), all the three.
v It should not contain all the letters used in your user id.
v It is case sensitive i.e. if password is in small letters use the same. If you use capital letters, it will not work.
v For your safety, your password will be blocked, if attempt to log in fails for 5 times. (If your password is blocked (i.e. you perfectly remember your password, but while keying in, you keyed in wrongly for 5 times and it got locked) please submit the form to the branch for enabling the password. Your password will be enabled and you will be able to access Baroda Connect, using the same password).
v While changing the password subsequently, you can’t use any of your last 5 passwords.
v If not changed in 90 days, system will force you to change the password. However, we advise you to keep changing the passwords, at a regular interval.
v If you have forgotten your user ID/ password, please submit forgot password form (attached in the instant guide) to the branch. Bank will generate new password, send you the same in mailer (the way in which you got your first password) and you will be forced to change the password on your log in.
Q) What is the procedure for obtaining new password if the existing password is blocked or forgotten?
If your password is blocked (i.e. you perfectly remember your password, but while keying in, you keyed in wrongly for 5 times and it got locked) please submit the form to the branch for enabling the password. Your password will be enabled and you will be able to access Baroda Connect, using the same password.
If you have forgotten password, please submit the same form to the branch, but for forgot password. Bank will generate new password, send you the same in mailer (the way in which you got your first password) and you will be forced to change the password on your log in.
Q) Whether alerts are there for Password expiry?
You will be alerted (on the homepage, when you log in) for changing the passwords before the expiry date.
Q) What should I do, if I have to stop using services for some
Please ensure to logout in proper way. However, if you abruptly close your Internet Banking page, your session will end. Please do not leave your system unattended, when you have logged in, since this may give an opportunity to others around you to operate your accounts
Q) Is it safe to login from Cyber
Yes. But be very sure that no one is noticing your finger movement and
trying to catch your password. Also ensure that you logout properly.
3.0 FUNCTIONAL SERVICES:
Q) What is online and offline services?
Online services indicate happening of the services instantly (on real time basis).
v Fund transfer (self, third party),
v bill payment (instant),
v stop payment
v Balance enquiry etc. are some of the services which will be offered online.
Offline services indicate that this facility will not be carried out immediately but will be done in span of few days. Services like
v Cheque Book request,
v DD request,
v BC request,
v FD renewal request
v Account summary will be offered offline.
In these cases, customer will request for (say) Cheque book and request will go to RQM. He will forward the same to RLM and RLM will execute the request i.e. get Cheque book prepared, send it by courier etc. Entire process is expected to take 3-4 days and thus the request will be offline.
Q) What are the other facilities available?
v Transaction History (list of last n transactions)
v Secure Email communication with Bank (send / receive mails to/ from your bank’s Relationship Manager)
v Alerts on Certain events
v Activity Inquiry
Q) Can I transfer the funds to any of the branches in Bank of Baroda?
You can transfer the funds to any of the branches which are on CBS. The list of branches, which are on CBS is available in our user guide, on our website, on home page of Internet Banking portal.
Q) How do I Stop Payment of the Cheque?
Go to Accounts. Select the account (from drop down box) to which the cheque belongs. From adjacent drop down box, select Cheque Status Enquiry. In Cheque Status Enquiry, give range of valid cheque numbers and it will give some details. In these details, select Stop Payment, give relevant cheque number (or numbers) for which you want to stop the payment. System will give message, whether the stop payment is successful or not. If the stop payment is not successful (i.e. if you do not get success message), you may please explore other option of sending this request (manually, over phone/ fax etc.)
4.0 BILLS SERVICES:
Q) What is Bills Payment?
Facility of making online payment of utility bills (eg. telephone, electricity, mobile, cooking gas etc.), credit card payments etc.
Q) What is difference between Bill Payment and Bill
Presentment: Utility service provider will present a bill and the customer will pay the bill exactly or will pay minimum amount due. In this case, the customer can not pay the bill before it is presented. He, also will not be allowed to pay after due date. Further, he will also not be allowed to pay extra i.e. for bill of Rs. 538.35, he will not be allowed to pay Rs. 600. Eg. Utility services bills.
Payment: The customer need not wait for the bill to be presented. He can pay the same, whenever he wants. He can pay the same in parts. Eg. Credit card payments etc.
Q) What is hot bill payment and scheduled bill payment?
Hot bill payment: If the customer wants to pay the bill immediately, it will be hot bill payment. (only debit part of it will be immediately).
Scheduled bill payment: If the customer wants to pay a bill on a particular date (today onwards till due date of bill), he can do so by scheduling the bill. His account will be debited and the bill will be paid on that particular date by the bank.
Q) Whether the bill payment can be made after due date?
It depends upon the instructions, the bank has received from the payee. However, in normal cases, if the bill is presented to you under presentment type (as explained above), it can not be paid after due date. But if the same is under bill payment, you may pay even after due date.
Q) I have taken new mobile and want to pay its bill on Internet. What should I do?
v First check if your service provider is available in standard payee list available with the bank (normally he will be).
v To register, go to Bill Payment Add new payee Standard Payee.
v Search here and if the biller’s name appears in the list, then you can register for this biller by giving requisite details.
v Once you are registered, you will get the bills, as presented by the biller.
Q) What are the Security features for usage of Internet Banking?
Transactional based internet banking offered is fully secured with 128 SSL (Secured Socket Layer) which is the highest level of security presently available. Bank has taken adequate care of security in respect of communication and transactions on the internet.
While the customer will access the portal and the information will travel on public network, it will be in the encrypted form (using SSL) and even if someone receives that information, he will not be able to use it due to its encryption. To offer confidence to the customer, the bank’s servers are duly certified by Verisign.
Q) Are there some important Security Tips:
Ø Always type full URL i.e. address of the Internet Banking website. For eg: https://www.bobibanking.com. You may store the URL in your favorites or create a link for the same.
Ø Ensure your computer is equipped with latest antivirus packages and the same is upgraded from time to time.
Ø Install advanced version of Browsers for Internet Browsing for higher security.
Ø Change the passwords immediately, if you feel someone knows the same.
Ø Make it a habit to change the passwords at a regular interval of time (you will be forced to change the password by the system, if you do not do so after 90 days)
Ø The recommended browsers are
1. Internet Explorer Version 5.5 and above
2. Google Chrome Version 52 and above
Ø Leave your computer unattended while you have logged in.
Ø Write these passwords anywhere.
Ø Reveal your password to any one including the bank staff since the bank does not require this information. (Even if you receive a mail asking for the password and posing as if it has come from higher offices, neglect it, since it can be dummy mail).
Ø Use name of your spouse, children etc. as a password, since they are very easy to crack. Further, avoid using important dates (wedding anniversary, birthdays of you/ spouse/ children etc.) as your password.