FAQ FOR INTERNET BANKING

E TOKEN is a small USB drive like device which has a digital certificate in it and sent to the customer.
It will be used as an additional authentication mechanism apart from password to secure your account during login and funds transfers.
Currently E-tokens are being given to corporate only.

To apply for E-Token login to internetbanking --> accounts --> apply for digital signature (this feature is available only for
corporate login)
Fill the form online and submit
ITD processes the request and sends the eToken by post
On receipt of eToken, log in to see a "Register Certificate" link on home page
Fill the details to activate the token
Rs 625 is charged per token
A separate token is to be used by each user of a corporate login

6. Multiple Login Concept

In case you have forgotten to logout from the Internet banking, it prompts for an additional OTP when you login next time.
OTP will be sent to your mobile number registered with the bank.
This feature is introduced as an additional measure of security.

7. Activation of account

Branch will activate you account once on receiving the application from you.

Once your account activated you will receive an e-mail saying that your account is activated
If account is not activated even after submitting the application form to branch, do mail us with the account details
to eseeadm[at]iobnet[dot]co[dot]in Or talk to us at 044-28519460/28889350

8. Deactivate accounts

Your account may be de-activated using the following steps. To again activate your account, contact your branch.

Login to Your Internet Banking account
Go to "Edit Profile"
Select Deactivate account
Select the appropriate account to be deactivated and then click "submit"

9. Change Password

To change the password for your internet banking follow the below procedures

Login to your Internet Banking account
Go to "Edit Profile"
Select the "Change Password" option
Enter the current password and new password in appropriate fields and click on "submit"

10. Change pin

To change the pin for your internet banking follow the below procedures

Login to Your Internet Banking account
Go to "Edit Profile"
Select "Change Pin"
Enter the current pin and new pin in appropriate fields and click on "submit"

11. Change Nickname

You can name your account using a nickname.
For e.g., if it is your salary account just name it as "salary".
Caution: never give same nickname to two accounts

Login to Your Internet Banking account
Go to "Edit Profile"
Select "Change Nickname"
Select the account for which you need to change the nick name, enter the new nickname and click on "submit".

12. Change services

You can disable fund transfer for your accounts

Login to Your Internet Banking account
Go to "Edit Profile"
Select "Change Services"
Select the account for which you need to disable fund transfer.
If you need to disable fund transfer uncheck the "allow fund transfer" checkbox and click "submit"
To enable fund transfer, you need to go to branch and give them a letter stating to allow fund transfer through online for
your account

13. Add accounts

At the time registering there is an option to add more than one account.
Otherwise when the first account gets activated, you can login with your login id and password.

Select Edit Profile --> Add Accounts and give the details of the accounts which you wish to add.
On completion of account addition, take a printout and submit it.

14. Forgot Pin

Please submit a letter to your branch to reset your PIN.
Bank will generate a new PIN and send to your e-mail.

15. Forgot Password

Click on the forgot password link in login window
Enter the login id
Screen prompts to enter the email address.Enter the email id registered with the bank
If the login id and email address matches with bank's record, OTP will be sent as SMS to the mobile number registered
Enter the OTP and click on submit
New Password will be sent to the registered email id

16. Secure accounts

While Internet Banking is safe, it is prudent to be alert and aware of the risks involved in it.
We at Indian Overseas Bank consider security to be of paramount importance and employ a range of security features like firewall, 128-bit Secure Socket Layer (SSL) encryption, Verisign Digital Certificate, Two levels of authentication
(password and pin) for financial transactions. We would like our customers also to be aware of the risks involved and take appropriate measures to secure their online banking.

Beware of spam emails which may contain a virus or have a link to a fraudulent website designed similar to
that of the bank. The intention could be to compromise your confidential data like login-id, password, pin, etc.
Keep confidential the personal details like login id, password and pin.
Change the password and pin on a frequent basis. Do not disclose them even to the employees of the Bank
Use a combination of alphabets and numbers for your password.
Use Virtual Keyboard provided for entering your password for security
Check the web-site address in the browser. It should be that of the Bank (http://www.iobnet.co.in).
This check is very essential as there could be surrogate sites with similar names, which can capture the users' id and password
Phishing Alert
The modus operandi followed by the fraudsters is to send an email which claims to be from your bank.
It does not mean that your e-mail address, name, or any other information has been taken from our systems.
It may ask for your security details or it may ask you to follow a link to a site where you will be asked to provide your
security details like login-id, password or pin
Clicking on this link takes you to a fake site, which though looks like your banks site,is operated by a fraudster.
Fraudulent e-mails and websites can be very convincing.
Treat all unsolicited emails with caution and never click on links from such emails and enter any personal information.
If you receive any email asking you to enter your ebanking password/PIN etc, do not open the
link or give your login id / password / PIN lest the same may be misused.
We do not send emails to customers asking for their login id, password or PIN
If you get any message that seem like they are coming from Indian Overseas Bank seeking confidential information be
cautious and never respond to such emails
Please contact our nearest branch for more information or email to eseeadm[at]iobnet[dot]co[dot]in.

To check balance enquiry of your account, login to Internet banking with login id and password.
Select Accounts --> Balance enquiry, the available balance and current balance of the account will be displayed.

2. Last few Transactions

You can view the last few transactions of your account on net banking service.

To check last few transactions login to internet banking with login id and password
Select Accounts --> Last few transactions, transactions details will be displayed.

3. Account Statement

To view or print the account statement login to internet banking with login id and password
Select Accounts --> Account Statements --> view/print
Select the account, from date and to date for which statement is required and then click on submit.
You can save the account statement. Select Accounts --> Account Statements --> view/print
Select the account, from date and to date for which statement is required and then click on export.

4. Cheque Book Request

Now You can request for cheque book online

To place the request login to internet banking with login id and password
Select Accounts --> Cheque Book Request --> Select the account and click on submit

5. Search cheque paid

You can see whether your cheque is paid or not.

Login to internet banking with login id and password
Select Accounts --> Search Cheque Paid.
Select the account type, date and enter the cheque number then click on submit

6. Civil pension view

Now you can view your civil pension account online through internet banking

Login to internet banking with login id and password
Select Accounts --> Civil pension view
Select the account and pay slip/ledger view and click on submit

7. Loan/deposit view

The status of your loan and deposit account can be known online through internet banking.
(You need to add the account to internet banking)

Login to internet banking with login id and password
Select Accounts --> Loan/deposit view
Select the account and click on submit

8. PPF loan/deposit view

You can view the account statement for loan/deposit account

Login to internet banking with login id and password
Select Accounts --> ppf Loan/deposit view
Select the account, from date and to date for which statement is required and then click on submit.

1. Add payee

You may transfer funds to other accounts in IOB by adding the beneficiary details under "ADD PAYEE - IOB Account" and then approve it. Once the bank activates it, you will be in a position to debit your account and credit the account of the beneficiary

Login to internet banking using login id and password
Select Remittances --> add payee --> IOB account
Enter the name and account number of the person and click on submit.
In next screen, enter the OTP (one time pin) that you have received on your mobile and email id and click on
"approve payee"

Login to internet banking using login_id and password
Select Remittances --> add payee --> other bank account
Enter the beneficiary details like name,address,account type,account number and IFSC code for the bank to which the account belongs(to know the correct IFSC code click on get IFSC code and give the bank name and branch name) and click on submit.
In next screen, enter the OTP (one time pin) that you have received on your mobile and email id and click on
"approve payee"

2. Fund Transfer

Select Remittances --> Funds Transfer --> IOB account
Select the debit account, credit account and enter the amount and narration for debit and credit entries and click on
proceed
Enter the funds transfer pin and click on Pay Now/Schedule Later
Screen will prompt for OTP.Enter the OTP received through mobile and click on submit.

From amt /th>	To amt	Enter by	Verify by	Authorized by
1	10000	JM	-	-
10001	100000	JM	MM	-
100001	1000000	JM	MM	TM