Introduction:
Department of Posts has introduced Internet Banking facility for
Post Office Savings Bank customers for CBS migrated Post Offices.
Eligibility Criteria for
availing Internet Banking
a) Customer should have
Savings Bank account in CBS Office
b) Either Single or Joint "B" account are eligible
C) Joint "A", Minor, Lunatic, Illiterate, BO accounts are not allowed for
availing Internet Banking
Pre-requisites
a) Customer
should provide a valid Email ID
b) Customer should
provide a valid PAN number
c) Customer should
provide a valid mobile number
d) CIF ID should be
updated with correct First name, Last name, DOB,
Father's Name,
Gender, valid Identity and address proof, Correct
present address,
Mobile number, PAN Number and Mother's
Maiden Name
Procedure to be adopted by
the CBS POs for enabling internet banking facility for eligible SavingsBank
account holder is as under:
1) Eligible Post Office
Savings Account customer may apply for Internet Banking facility. Savings Account
must be standing at any CBS Post Office but not in Branch Offices in account
with CBS Post Office.
2) Account Holder has to
apply for Internet Banking by filling Post Office Savings Bank (POSB) ATM Card
/ Internet / Mobile / SMS banking service request 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 single sheet KYC form along with ATM Card / Internet
/ Mobile / SMS banking service request form.
3) This form has to be
submitted only in the CBS Post Office where the SB account stands. If a
depositor having SB account in any other SOL wants to apply for
internet Banking at any other SOL, he/she has to first get his/her account
transferred to the same SOL by following already laid down procedure. CPA/SU
should check the current SOL ID of the account which was transferred in either
in HACCDET/HACLI menu and confirm the same before enabling internet banking.
4) Once the form along with required documents is submitted,
Counter PA should go to IES
menu of Finacle to verify signature and photograph of the
applicant.
5) Once customer's signatures and other documents are verified,
Counter PA has to ensure
that all required fields in ATM Card / Internet / Mobile / SMS
banking service request form have
been properly filled. Counter PA will invoke CMRC menu and click on
modify option. In CMRC menu, Counter PA has to click on Enable Internet banking
after ensuring that the eligibility criteria and pre-requisite conditions are
fulfilled. Mobile number should be
unique for each customer and same mobile number should not be used for any
other CIF.
Refer below screen shot:
6) Supervisor has to verify the modifications done in CMRC menu.
After verification, Supervisor will make entry in a Register to be maintained
in manuscript in CBS SO/HO showing following information:
7) Customer should be informed
that he/she will get an SMS alert to the registered mobile number after 24
hours with a link for internet banking login after processing the request.
Customer should go to the link and activate his/her Internet banking. Customer
should be informed that CIF ID will be the User ID and set the Login and
Transaction password during first time login using the provided link.
8) Till FSI-CSI GL integration is rolled out, nodal office
Bangalore GPO will centrally account all the eBanking transactions initiated on
previous day for entire India based on the basis of daily report shared by the
CEPT Report Building Team. "Total
deposits and withdrawals initiated in eBanking channel for entire set ID
"ALL" across schemes (SB/ RD / PPF / TD) should always match".
9) One deposit and one
withdrawal voucher for the total amount (scheme-wise) has to be prepared by
Bangalore GPO for entire India and transferred to SBCO along with printed copy
of consolidation. Total deposits and withdrawals initiated in eBanking channel
for set ID "ALL" should always match and then only eBanking
transactions amount has to be accounted by nodal accounting office "Bangalore
GPO"
10) In case the customer approaches home branch PO to disable
Internet banking, Post office should modify Internet banking option in CMRC
menu as "NO", then submit and verify. Internet Banking will be
disabled after 24 hours.
11) If any customer requests
for issuance of passbook for RD or TD accounts opened through eBanking, same
has to be processed by concerned home branch PO and provide duly printed and attested
passbook to the customer.
12) For any complaint regarding Internet banking, customer has to
either dial toll free number 1800-425-2440 or send an e-mail to dopebanking@indiapost.gov.in If
customer complains at any CBS Post Office, his/her complaint may be accepted
and forwarded to this e-mail ID.
13) Facilities which can be availed by these account holders in
Internet Banking is provided in Annexure - I.
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