1. Any Post Office
Savings Account customer may apply for Internet/Mobile/SMS Banking facility.
Savings Account must be standing at any CBS Post Office but not in Extra
Departmental Branch Post Office in account with CBS Post Office.
2.Account Holder has to apply for Internet and/or Mobile
and/or SMS Banking by filling ATM/eBanking/Mobile Banking Form. If Account
holder has opened savings account after migration to CBS with proper KYC
documents, there is no need for taking fresh KYC documents. If Account holder
has opened Savings Account before migration, fresh Identity and Address proof
as well as photograph has to be taken in Annexure-II of Account Opening
Form(AOF) alongwith ATM/e-Banking/Mobile Banking Request Form.
3. This form has to be submitted only in the CBS Post Office
where account was opened or where account is currently being operated after
transfer. If a depositor of any account standing at any CBS post office wants
to apply for E/M/SMS Banking at any other CBS Office, he/she has to first get
his/her account transferred to the same CBS Post Office by following the
already laid down procedure. In such cases CPA/SU should check the current SOL
ID of the account which was transferred either in HACCDET or HACLI menu to
confirm the same before enabling Internet/Mobile/SMS Banking.
4.Once Form alongwith required documents is submitted,
Counter PA will go to IES menu of Finacle to verify signature of the applicant.
If account is a Joint Account ‘B’ type, both the account holders have to sign
the form and Joint Account ’A’ type of account holders cannot apply for these
facilities.
5.Once customer’s signatures and other documents are
verified, Counter PA has to see that all the required fields in the request
form have been properly filled. Counter PA will go to CMRC menu and click on
modify option. In CIF Modification menu, Counter PA has to click on Enable
Internet banking and/or Enable Mobile Banking and/or enable SMS banking based
on the options ticked by the applicant in request form. E Mail ID and Mobile
Phone number are to be mandatorily filled by the Counter PA. See below screen
shot:-
6.Supervisor has to verify the CIF modification in CMRC.
After verification, Supervisor will make entry in a Register to be maintained
in manuscript in CBS SO/HO showing following information:-
Date of apply- Date of delivery of PIN--Savings Account No.-
Customer name-Mobile Number-E Mail ID- Signature of depositor- Initials of
Supervisor
Depositor should be told to attend same CBS Post Office
after 10 working days to get Internet Banking PIN. In case only Mobile banking
facilities are applied, customer should be told to wait for 24 working hours
and thereafter M PIN can be generated by the customer through the registered
mobile number by downloading Mobile App. CIF ID will be the Login ID, both for
Interest and Mobile Banking. In case of SMS banking, within 48 hours of
applying, customer will get 4 digit PIN through SMS.
7. CPC Bangalore will print Internet banking PIN numbers and
sent PINs to the respective CBS Post Office by service Insured Post. CPC
Bangalore should keep sufficient stationary for PIN printing and dispatch. When
any customer attend post office for getting PIN, Supervisor will enter date of
delivery in the register and get deliver PIN mailer under signature in the
register against the entry made on the day of accepting request form.
Supervisor will initial against each entry. Customer should be told that CIF ID
will be the Login ID and Login Password as well as Transaction Password should
be changed after first login and should not be shared with anyone.
8.Facilities which can be availed by these account holders
in Internet Banking, Mobile Banking and SMS Banking are attached. SMS Short
Codes to be used by SMS Banking Account holders are also attached.
9.Every CBS Post Office has to paste this list of facilities
and List Of Short Codes on the Public Notice Board.
10.LOTs and Consolidation of SB,RD,TD and PPF have been
changed. A new selection criteria "Delivery Channel ID" has been
added with default value as "BRN". When click on searcher, it shows
following channels:-
BRN-Branch Transactions
BWY- E-Banking -M-Banking Chanel ID
SWT-ATM Channel ID
In BRN, all counter/system transactions done for a SOL will
be shown. In BWY, all transactions done through Internet/Mobile Banking by
Savings Account holders of a SOL will be shown. In SWT, all transactions done
through ATM attached with the SOL will be shown. By default, BRN will be
displayed in these LOTs and consolidation. Any CBS SO/HO should not account for
transactions listed in BWY and SWT channel IDs. These offices can only see
these reports in case of any complaint/grievance/inquiry.
11.Only Bangalore GPO will generate SB,RD,TD and PPF
Consolidation by selecting BWY as channel ID and putting ALL as Set ID in the
MIS server for the previous working day and account for total amount shown
under different heads in the cash book showing amount as (Through E&M
Banking). One deposit and one withdrawal voucher for the total amount
(scheme-wise) has to be prepared by Bangalore GPO and transferred to SBCO
alongwith printed copy of consolidation.
12.For any complaint regarding Internet/Mobile/SMS banking,
customer has to either dial toll free number 1800-425-2440 or send an e-mail to
postatm@indiapost.gov.in. If customer complains at any CBS Post Office, his/her
complaint may be accepted and forwarded to this e-mail ID. CPC Bangalore will
handle such complaints till further orders.