FREQUENTLY ASKED QUESTIONS (FAQs) on
1.0 GENERAL:
Q) What is “BarodaConnect”?
“BarodaConnect” is an umbrella for all the products
offered by the bank under eBanking (Internet 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 ffice/house using his/your own
computer. With this facility, the customer will be able to carry out following
major activities….
Ø View balances in his all linked accounts.
Ø
Print and save Mini
statement
Ø
Print and save
statement of accounts
Ø
Query on txn
date, amount, debit/credit, cheque no. etc.
Ø
Cheque status
enquiry
Ø
Clearing cheque
status
Ø
View the
non-financial activities made
Ø
Change Password
Ø
Transfer funds
in self/linked accounts (between Home Currency, currency to currency and cross
currency)
Ø
Transfer funds
through Third Party Transfers (between Home Currency, currency to currency and
cross currency)
Ø
Bills module
(utility bills)
Ø
Request cheque
book, FD Renewal etc. (offline)
Ø
View Trade
finance details (for Corporate Users)
Ø
Modeling for
Deposit and Loans (Maturity calculator and EMI calculator)
Ø
Upload facility
for Multiple Credits and Debit credit transaction upload (for Corporate Users)
Ø
SMS and email
alerts
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…
Ø Either or Survivor.
Ø Any one or Survivor.
For each customer, one individual user id will be given by the bank,
after applying for the same. He can access the account and carry out
operations, as desired.
Q) Is it
necessary to own a computer or whether
we can access
“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.
Q)
What should I have to use the services?
You just should have a PC with
Ø
16 / 32 MB RAM.
Ø
10-20 MB free
space Hard Disk Capacity.
Ø
Any operating
system that supports the browsers like
Ø
Windows 2000,
Windows NT.
Ø
Access to the Internet.
Ø
Internet browser – Netscape Navigator 7.1 or Internet Explorer
5.5 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 Cheque book charges
as per our extant guidelines and courier
charges for mailing the same.
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:
For becoming an internet banking user for
following
points will be considered
v
Should maintain
account with BoB branch in the territory.
v
In case of joint
account, then operating instructions should be ‘Either or Survivor’, ‘Any one
or Survivor’.
In addition, following types of persons will not be eligible for
Internet Banking…
Ø
Blind
Ø
Illiterate
Ø
Dormant accounts
holder
Ø
Inoperative
accounts holder
Ø
Minor
Ø
Holder in
accounts where garnishee /attachment order is received.
Q) How can I apply for
The branch Relationship Manager (RLM) on verifying
the relevant details will arrange for
User Id and Password for the internet banking facility provided by Bank and you
will be informed for collecting the same from the branch as and when the same
is duly received by the branch.
After acknowledging the User id and password by you,
the branch will arrange for enabling your user id for internet banking services.
Q) How should I log in?
You will receive your user id and password in two
separate sealed envelopes in untampered form from the branch. You will be forced
by the system to change the same, when you will log in for the first time.
All queries to be made to barodaconnect.uae@bankofbaroda.com
We request you refer the guidelines on password security
given in user guide.
Q) What if I am unable to login with the alloted
Password and a user Id?
In such case, while logging in for the first time,
please ensure that you are activated/enabled by the Bank for internet banking
services. While logging in for the first time, when you are not
activated/enabled, error message is displayed as ‘Invalid Login or Password’.
This message is also displayed when your user id is disabled.
For activation, you may have to approach the branch.
SMS will be sent on your registered mobile for
activation/enabling for the first time.
Ø
Necessary care
to be taken while logging in. Ensure that Caps lock is on/off. (passwords are
case sensitive).
Ø
Num lock is
on/off.
Ø
You have not
tried for more than 5 times (this will block your password and you will have to
approach the bank).
Q) How do I choose the password, while changing the
same?
While finalizing your password, please note that…
It
must be minimum 8 digit long and maximum 16 digit long.
Ø
It must contain
an alphabet (A-Z or a-z) and a number (0-9) and a special character (@,$,#,*
etc.), all the three.
Ø
It should not
contain all the letters used in your user id.
Ø
It is case
sensitive i.e. if password is in small letters use the same. If you use capital
letters, it will not work.
Ø
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 (available at the home page of he Bank for the territory) to the
branch for enabling the password. Your password will be enabled and you will be
able to access
Ø
While changing
the password subsequently, you can’t use any of your last 1 password.
Ø
If not changed
in 360 days, system will force you to change the password. However, we advise
you to keep changing the passwords, at a regular interval.
Ø
If you have
forgotten your user ID/ password, please submit forgot password form (available
at the home page of he Bank for the territory) 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 time?
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
3.0 FUNCTIONAL SERVICES:
Q) What is online and offline services?
Online services indicate happening of the services instantly (on real time basis).
Balance enquiry etc. are some of the services which will be offered online.
Transfer of funds, Mini statement etc.
Offline services indicate that this facility will not be carried out immediately but will be done in span of few days. Services like
Ø Account summary will be offered offline.
Ø Requests
Q) What are
the other facilities available?
Ø
Transaction
Query
Ø
Mini statement
Ø
Cheque Status
enquiry
Ø
Clearing
Instrument status
Ø
Alerts on Home
page
Ø
Profile
Ø
Activity Inquiry
Ø
Transfer of
funds between self/linked accounts (in any currency)
Ø
Transfer of
funds to Third party transfers (in any currency)
Ø
Upload facility for
Multiple credits, debit credit transaction (for Corporates)
Ø
Trade finance
enquiry (for Corporates)
Ø
Requests such as
Cheque Book, FD renewal etc. (offline requests)
Ø
Modeling for
Deposits and Loans (Maturity amount and EMI calculator)
5.0 SECURITY:
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:
Do’s:
Ø
Always type full URL i.e. address of the Internet Banking website. For
eg: https://intl.bobibanking.com/intl/botswana/botswana.htm 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 login and transaction 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 360 days)
Ø
The recommended browsers are
Internet Explorer Version 5.5 and
above
Netscape Navigator Version 7.1 and
above
Don’ts:
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.