how to activate mobile banking in punjab national bank?

HOW TO ACTIVATE MOBILE BANKING IN PUNJAB NATIONAL BANK

INTRODUCTION TO MOBILE BANKING

            The use of a mobile device such as a mobile phone or a PDA for account transactions, balance checks, payments, credit applications and other banking transactions is what is termed as mobile banking or e-banking. The first services were offered over the SMS service but with the advent of smartphone devices, the service was extended over the world wide web. The provision or availment of banking or financial services is by the use of mobile telecommunication is what is termed as mobile banking. There are three aspects of a mobile banking model:-

 For more details click on this link :-  How to activate internet banking in PNB / Punjab National Bank

• Mobile brokerage
• Mobile Financial information Services
• Mobile Accounting

Nowadays all banks are providing these services for easy access to the customer’s account. This has made the experience of banking easier and accessible anywhere.

MOBILE BANKING IN PUNJAB NATIONAL BANK

The esteemed customers of PNB can avail to mobile banking facilities. The bank makes a commitment in leveraging the latest and emerging trends to serve the customers better and faster. The mobile banking services comprise best of the security features. The bank promises to establish a standard in banking in out-long relationships as hey believe their success is based on the satisfaction of the customers.

SECURITY FEATURES

• Separate passwords would be provided for login and transaction.
• The system stores the password in an encryption of one way in database.
• The user id gets disabled if the customer does not avail to the services for more than 180 days.
• The password must be changed during login for the first time.
• The system forces the user to change the id and password after the expiry period.
• The login id is disabled after five consecutive unsuccessful login attempts.

IMPORTANT POINTS

• The customer gets five attempts to login. The password is case-sensitive so the customer must be careful while entering the password.
• The mobile passwords are of varying lengths.
1. login and transaction password:- 6 characters
2. SMS passwords:- 4 characters(numeric)
3. M-pin:- 4 characters(numeric)

• The password selected by the customers should be of minimum 6 characters and maximum 28 characters.
• On the time of first login the passwords need to be changed. If a customer has both login and transaction passwords then it is required to keep both the passwords unique to maintain identity. Once the passwords are changed login is to be made using the new passwords.
• Login and transaction passwords expire within 999 days and 180 days respectively from the date of passwords issued by the bank or change of passwords by the customer. If the service is not used within the stipulated time then new passwords are required to resume the facilities.

INABILITY TO LOGIN

• In case the user id is disabled due to entry of incorrect password then the nearest bank branch must be approached for applying for a new password.
• The acknowledgement for activating the transaction password after receiving the new password is to be submitted

CONTACTS

To know the mobile banking status and details the customer must contact the nearest branch or the nearest CBS branch of PNB or call on 24-hour helpline:-

• 1800 180 2222(all India toll free number)
• 0124-2340000(accessible from mobile)

SOME SAFEGUARDS

• The passwords should not be revealed to any person including bank over phone or e-mail.
• The passwords should be kept on changing for security reasons. They should be mandatorily changed before the expiry period.
• The bank never sends e-mails requesting e-mail id, passwords or other sensitive information so the customer should be very careful regarding such fraud mails.
• The website links or attachments in suspicious mails should not be clicked. The may lead to replica of bank website and may ask for keeping login id and password.
• To ensure safe and genuine login always the official  mobile website must be visited-https://mobile.netpnb.com
• In case of a call, it should be confirmed that the call is from an authorized person.

ACTIVATING THE USER ID

• When a new password is received from the bank, the customer must approach the nearest branch or the CBS branch for activation of the account.
• The user id gets disabled when more than five logins with wrong passwords sre made.
• In this case, the customer must approach the nearest branch or the CBS branch.

DEACTIVATING THE USER ID

If the customer looses the mobile banking login id or password and wants to block the access then:-

• Login should be made with wrong id or password more than five times as the account is usually blocked.
• The customer must approach the nearest branch or the CBS branch.

STEPS FOR USING MOBILE BANKING SERVICES

REGISTRATION

• The customer has to apply for mobile banking services through nearest branches by filling in the application form no. PNB 1167.
• The passwords shall be provided by the branches on successful filling of the application form.
• The functionalities like reset passwords, change of security questions and answers change, change of mobile number or disabling of facilities should be made to the branch.
• Mobile banking is available through different modes:

1. manual SMS
2. thick client GPRS
3. thin client GPRS
4. thick client SMS

MANUAL SMS BANKING

• The customers with basic mobile hand sets can avail to these services.
• The user can enter the SMS message or any facility and send it to the fixed number-5607040
1. for balance enquiry SMS  “BAL PASSWORD and ACCOUNT NUMBER”
2. for Mini Statement enquiry SMS  “MINSTMT PASSWORD and ACCOUNT NUMBER”
3. for Account Statement Request SMS  “STMT PASSWORD, MONTH and ACCOUNT NUMBER”
4. for Self Transfer of Funds SMS  “SLFTRF PASSWORD, FROM ACCOUNT NUMBER, TO ACCOUNT NUMBER, AMOUNT”
5. for Stopping cheque SMS  “STPCHQ PASSWORD, CHEQUE NUMBER, ACCOUNT NUMBER”
6. for Cheque Status enquiry SMS  “CHQINQ PASSWORD, CHEQUE NUMBER, ACCOUNT NUMBER”
7. for Cheque book request SMS  “CHKBK PASSWORD, ACCOUNT NUMBER, MBANKING USER ID, NUMBER OF LEAVES FOR CHEQUE BOOK”
8. for Mailing to relationship manager SMS  “MSG PASSWORD, MESSAGE”
9. for Changing sms password SMS  “CHNGPWD PASSWORD, NEW SMS PASSWORD”

REQUIREMENTS FOR THIN AND THICK CLIENT GPRS

• The mobile handset should be GPRS enabled.
• The GPRS connection should be enabled by the service provider whose connection is used by the customer.

THIN CLIENT GPRS

• The service can be availed from the mobile banking website https://mobile.netpnb.com
• The registration option must be chosen by the user at the time of first login.
• After all the processes are followed for subscription the registration is complete and the user must log out.
• The acceptance of the terms and conditions must be made by the user and the login password should be changed.
• The transaction should also be changed during first time login.

THICK CLIENT GPRS

• After the registration is complete the mobile banking website https://mobile.netpnb.com should be visited the login should be made and the downloading client option should be chosen.
• As two options are shown thin client GPRS, thick client GPRS, according to the handset thick client GPRS should be chosen.
• The client is automatically downloaded on the handset. Then the downloaded client should be invoked.
• Then the credentials and the mPIN has to be entered by the user and user can avail the services.