FREQUENTLY
ASKED QUESTIONS (FAQs) on BARODA CONNECT
Services:
1.0 GENERAL:
Q) What is “
Q) What is Internet
Banking?
“Baroda Connect” offers
following facilities:-
|
24 x 7 x 365 |
Round the Clock any where
online banking. |
|
Fund Transfer |
Online fund transfer
within BOB & to other Bank (NEFT/RTGS). |
|
Tax Payment |
FREE Direct / Indirect
tax payment and instant TAX receipt. |
|
Online Ticket |
FREE online RAIL / AIR
ticket booking. |
|
IPO / FPO |
FREE Online subscription
of IPO/FPO/Right issue through ASBA. |
|
On line
request |
For issue of Cheque book
| Switch Mailing Address | Stop Payment | FD renewal. |
|
E-Commerce |
FREE Bill presentment |
Bill Payment | On line Shopping | Receive and view bills online | Alert on
pending bills. |
|
Institution
fees |
FREE on line fees payment
of more than 125 Schools &
Institutions. |
|
Donation |
FREE online |
|
Mobile Alerts |
FREE Mobile Alerts of
Debit and Credit transactions. |
|
Services and
Support |
Centralized dedicated
Internet Banking Operations Team.
3200+ Support centers all over |
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. We have Partnership / Company account. How we
will access Internet Banking?
You can access Internet
Banking despite having joint account, Partnership, Company account provided
operating instructions given are…
n
Either or Survivor, Any one or Survivor, Karta of HUF, Any
one/two/three/all partner(s), All Partners Jointly, Any one/two/three
director(s).
For every joint account
holder/Partner/Director one individual user id will be given by the bank, after
you apply for the same. He/She 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…
n
Payable jointly, any two or survivor, Restrictive Operations, Manager of
HUF, Administrator, Official Liquidator.
Q) Is it necessary to own a computer or whether we can access
“Baroda Connect” 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
n
16 / 32 MB RAM.
n
10-20 MB free space Hard Disk Capacity.
n
Any operating system that supports the browsers like (Internet Explorer ver.5 or Netscape
Navigator 4.5 or above)
n
Access to the Internet.
(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, and stop payment 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 (at your request).
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
The form for
Baroda Connect is available on our Bank’s website (http://www.bankofbaroda.com/download/corporate.pdf
for Corporate or http://www.bankofbaroda.com/download/personal.pdf
or individual , on our Internet Banking portal or from
our branches. Please take this form and submit it to the branch where you are
maintaining your account. (Please refer terms and conditions, as given on www.bobibanking.com for details).
The branch Relationship
Manager (RLM) on verifying the relevant details will process your application.
You will receive User ID directly at your communication address within 07 days.
After receipt of user id
you will have to collect password from your base branch. Please note that based
on the proof of delivery signed by you at the Branch, your User ID will be
enabled by the branch. You will be able
to access “Baroda Connect” after 24 hours from the time User ID is enabled by
the branch.
However, you can apply for Baroda Connect account only
if…
n
You are having an account with any of the branches of our bank.
n
If you are having joint account, then operating instructions must be Either or Survivor, Any one or Survivor.
n
Karta of HUF, Any one/two/three/all partner(s), All Partners Jointly, Any
one/two/three director(s).
Following types of persons
will not be eligible for Internet Banking….
n
Illiterate.
n
Dormant accounts holder.
n
Inoperative accounts holder.
n
Minor.
n
Holder in accounts where garnishee / attachment order is received.
Q) How should I log in?
You will receive your user
id and password in two separate sealed envelopes in un-tampered form. (If they
are tampered, please inform IMMEDIATELY on barodaconnect@bankofbaroda.com).
To access “Baroda Connect”
start internet in your PC and type https://www.bobibanking.com
in the address bar and press enter.
The home page of the
“Baroda Connect” will appear, click on “Retail User” or “Corporate User” button
as the case may be and follow links.
You will be forced by the
system to change the password, when you will log in for the first time.
We request you refer the
guidelines on password security given in user guide, as also on printed on PIN
mailer.
Q)
What if I am unable to login with the allotted Password and a user Id?
In such case, please ensure
the following…
v Confirm from the branch
that your User ID is activated at least 24 hours back.
v You are using correct type of alphabets e.g. capital letter and/or small
letter as the case may be. (Passwords are case sensitive).
v Num lock is not off
inadvertently.
v You have not tried for more
than 5 times with wrong User ID and/opr Password (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…
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.
v If not changed in 365 days, system will force you to
change the password. However, we advise you to keep changing the passwords, at
a regular interval.
Q) What is the procedure for obtaining new password if the existing
password is blocked or forgotten?
v
If you have
forgotten your user ID/ password, please submit forgot password form and submit
to the branch. To download the form click here https://www.bobibanking.com/forgotpassword.pdf
v
Bank will generate new password and the same will be sent to your base
branch. Please note User ID will be sent again to your communication
address. On receipt of User ID, collect
the new password from the branch under acknowledgement.
v
The new password will be activated by
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.
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).
Fund transfer (self, third
party),
Stop payment
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
Cheque Book request,
CBS Account Opening,
FD renewal request
Account summary will be
offered offline.
In these cases, Your
request for (say) Cheque book will go 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) Can I transfer the funds
to any of the branches in Bank of
You can transfer funds to
any of the branches of Bank of Baroda.
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 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.
Another Safety feature is
the timed logout, which means the session is automatically terminated if it is
not active for a certain duration.
Q) Are there some important Security Tips:
Dos & Don’ts
|
Destroy Password mailers |
Destroy Password mailers immediately after
Password is changed. Do not write
Password any where, try to memorizing them. |
|
Change Password |
Change Password in frequent interval. To change
PW login to www.bobibanking.com
and click profileàChange Password. |
|
Log off page properly |
Log off properly every time after online banking
session is over. To log off, always
select “Log Out” button. Do not close your browser directly by clicking on
‘X’ button. |
|
Subscribe Alert |
To subscribe Alert log on to www.bobibanking.com
and click on AlertsàSubscription and click on
check boxes as per your requirement. |
|
Check Alert regularly |
Check Alert received in registered |
|
Tracker ID |
Tracker ID is required for Beneficiary
Registration and sent to registered |
|
Anti Virus Software |
Keep your PC / LAPTOP protected with effective
Anti Virus and update Anti Virus software regularly. |
|
Review Account Statement |
Review your account statement to spot any
doubtful / un authorized transaction. |
|
Do not disclose personal detail (Phishing / Vishing / Mishing) |
We never call any personal detail such as User
ID, Password, Tracker ID, password of email etc. Never disclose all these personal
information to any body over Phone, e-mail, Mobile etc. |
|
Avoid Cyber Cafes |
Avoid using Internet Banking in Public Domain
like Cyber Cafes or where Computers are in shared mode. |
5.0 Registration of
Q) How shall I register my Mobile Number / New
To
register Mobile Number / to change Mobile Number you are required to submit “Mobile
Number Updation” form to your base branch.
The form is available under “Download Forms” section of
www.bobibanking.com
To
down load the form click here https://www.bobibanking.com/MobileNoRegnForm.pdf
6.0 Fund Transfer Rule:
Q) How much fund I can transfer?
The Fund Transfer limits for
Retail Customers are given below: -
|
Services à |
Self linked accounts |
Third
Party within BOB |
NEFT RTGS |
No. of Transactions |
|
Per Transaction |
Unlimited |
2,00,000 |
5,00,000 |
N.A. |
|
Daily |
Unlimited |
4,00,000 |
10,00,000 |
5 |
|
Weekly |
Unlimited |
12,00,000 |
30,00,000 |
35 |
|
Monthly |
Unlimited |
30,00,000 |
50,00,000 |
150 |
|
Yearly |
Unlimited |
1,50,00,000 |
4,00,00,000 |
1820 |
The Fund Transfer limits for Corporate
Customers are given below: -
|
Services à |
Self linked accounts |
Third
Party within BOB |
NEFT RTGS |
No. of Transactions |
|
Per Transaction |
Unlimited |
5,00,000 |
10,00,000 |
Unlimited |
|
Daily |
Unlimited |
15,00,000 |
50,00,000 |
Unlimited |
|
Weekly |
Unlimited |
45,00,000 |
2,00,00,000 |
Unlimited |
|
Monthly |
Unlimited |
1,00,00,000 |
5,00,00,000 |
Unlimited |
|
Yearly |
Unlimited |
6,00,00,000 |
30,00,00,000 |
Unlimited |
*Please note that all e-commerce transactions
are treated as Third Party Transfer within BOB.
Q) What are the charges for fund transfer?
Fund
transfer to self linked accounts, to third party accounts within BOB and all
e-commerce transactions are available at free of cost basis.
*In order to further incentives our customers to use our ADCs,we have waved services charges for NEFT transactions carried through Baroda Connect i.e. "NO CHARGES for NEFT
through "Baroda Connect(w.e.f. 18.06-2012)"
The
charges of RTGS transactions as prescribed by Reserve Bank of
|
Transaction |
Total Charges (Incl. Service Tax) Rs 2 Lacs to Rs 5 lacs
|
Total Charges (Incl. Service Tax) Above Rs 5 Lacs
|
|
Between 9.00 hrs to 12 hrs |
28/- |
55/- |
After 12 hrs. to 15.30 hrs
|
29/- |
56/-
|
After 15.30 hrs to 17.30 hrs |
33/- |
61/- |
After 17.30 hrs |
33/- |
61/- |
********