Indian Overseas Bank
    Internet Banking

FAQ FOR INTERNET BANKING


GENERAL
ACCOUNTS
FUND TRANSFER SERVICES
BULK REMITTANCES
CREDIT/DEBIT CARD SERVICES
TAX/UTILITY PAYMENTS


I GENERAL

1. Internet Banking

Internet Banking is the online banking service provided by Indian Overseas Bank for the benefit of customers
to access and transact on their account 24*7 on all 365 days

2. Services provided

You can access the following services using Internet banking

• Balance enquiry
• Last Few transactions
• Account Statement
• Cheque Book Request
• Cheque Paid Status
• Deposit Opening
• Transfer money to any of your bank accounts(within and outside IOB)
• Schedule your funds transfers
• Schedule Credit Card Payment
• Suspend your IOB debit card

Also you can pay your

• Direct Taxes
• Indirect Taxes
• College Fees for the students of SASTRA-Tanjore
• Utility bills like Insurance, mobile etc and many more.
• Tamilnadu Electricity board bills
• Recurring deposit/Loan installments
• IOB Credit card dues

3. Who can register

• Savings/ Current account holders
• Deposit / Loan account holders
• Proprietary firms
• Partnership companies
• Limited Companies
• Societies/Trusts
• HUFs

4. How to register

Step 1:

• Login to www.iobnet.co.in
• Click on “Register Individual” if you are an individual or a proprietary firm.Else click on “Register Corporate”
• Once registered submit the application forms and the annexure displayed to you(in case of Companies/Partnership
  firms/Societies/Trusts) to your branch
• An active E-mail id is necessary to open internet banking.
• Note down the PIN number which is to be used for all Funds transfer transactions
  (Don’t share this with anyone! Do we keep a blank cheque carelessly? NO ! Your password and PIN are as important as that!)
• Your account will be activated by the branch on receipt of the application

Step 2:

• Login with your password.
• Passwords are case sensitive (b is different from B)
• Login Password & transaction PIN are different where password is used to login and PIN for funds transfer.
• Please be careful while entering your passwords, as your online account may be blocked for entering consecutive wrong   passwords.

User id for corporate login

Every company account (other than proprietary firm) can be viewed by any number of persons.
The name of the company can be the corporate id and the name of the user is the user id.
For instance, for GM Finance of ABC Limited, corporate id can be abc ltd and the user id can be gmfin, accounts etc.
This enables any number of users to view/transact on their account with their own identity.

5. E-Tokens

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@iobnet.co.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 eseeadmin@iobnet.co.in.


II ACCOUNTS

1. Balance enquiry

You will be able to view balance for your account through online
• 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.


III FUND TRANSFER SERVICES

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

1. Add payee
a. IOB Account

• 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"

b. Other Bank Account

• 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

a. IOB Account

• 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.

b. Other Bank Account

• Select Remittances --> Funds Transfer --> other bank account
• Select the credit account, debit account and enter the amount and sender information and then click on "transfer funds".
• 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.

3. Funds transfer instructions for Corporate account

The funds transfer instructions should confirm to the instructions in your board resolution/letter of authority.
To say in simple terms, your cheque signing powers are translated to Internet banking funds transfer authorization instructions.
There are three levels of users in funds transfer.

• Junior management – JM
• Middle management – MM
• Top management – TM

The amounts of funds transfer limits have to be specified in the funds transfer authorization form along with the level of user (JM/MM/TM).
For e.g. the company ABC Ltd has 3 users User1, User2 and User3. Let’s assume that

• User 1 is a JM
• User 2 is a MM
• User 3 is a TM
• User 1 has only limits to authorize payments unto 10,000
• User 2 has only limits to authorize payments unto 1,00,000 along withUser 1
• User 3 has limits to authorize payments unto 10,00,000 along with User 1 and User 2

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


IV BULK REMITTANCES

With IOB Internet banking you will be able to do bulk remittances to IOB accounts and other bank accounts as well.

1. IOB Account
i. Create batch

• Login to internet banking using login id and password
• Select Remittances --> Bulk Remittances --> IOB Account --> create batch
• Enter the bulk file name and select upload file to Upload the bulk file (please follow the below instructions to create
   the bulk file) and click on upload file.

1. Please ensure that the file is a CSV(comma separated values) file (for eg.IOBULK.CSV)
2. For each credit transaction there should be a row in the file
3. Each row should contain Name of the beneficiary and account number
4. Name of the beneficiary should not exceed 30 characters and account number should be 15-digit number.
5. The sample row is as follows
    Ram Kumar,15480100002211
6. For each credit transaction a similar row as of the above should appear in the CSV file which is uploaded
7. All the values must contain alphabets and numbers only. No special characters allowed
8. Comma (,) should only be used as a field seperator

ii. Execute Batch
• Once the batch is created select execute batch, select the corresponding batch and click on "execute batch"

2. Other Bank Account

i. Create batch
• Login to internet banking using login id and password
• Select Remittances --> Bulk Remittances --> Other bank Account --> create batch
• Enter the bulk file name and select upload file to Upload the bulk file (please follow the below instructions to create
  the bulk file) and click on upload file.


V CREDIT/DEBIT CARD SERVICES

1. Credit card Payment

Through IOB internet banking you can make payment for your IOB credit card online.

a. Register card

• Login to Internet banking.
• Select IOB Card --> IOB Credit Card --> Register card.
• Enter the card number and card holder’s name as appears on the card and select confirm.

You can make payment to the card once your card registration is approved by the IOB

b. Make payment

• Login to Internet banking.
• Select IOB Card --> IOB Credit Card --> Make Payment
• Select the debit and credit account and enter the amount to be paid and then click on proceed.

2. Debit card Suspension

You need not run to your branches in case if you have your debit card.
Go to IOB internet banking on follow below instructions to suspend your card immediately.

Suspend card

• Login to Internet banking
• Select IOB Card --> IOB Debit Card --> suspend debit card
• Select the debit card to be suspended and click on submit


VI TAX/UTILITY PAYMENTS

1. Direct Tax

• Please visit https://onlineservices.tin.nsdl.com/etaxnew/Index.html and click link
• Select applicable challan
• Fill up the challan particulars and choose Indian Overseas Bank (now you are redirected to IOB site)
• Fill up amount details
• Fill up PIN and submit
• In case of single level authorization, account is debited and cyber receipt generated online
• In case of multi level authorization, this is kept in pending transaction and next user can log into his corporate login and
  pass the transactions available under direct tax -> pending transactions
• You can view / re-print cyber receipt for past transactions under direct tax - print cyber receipt
• Please keep your E-Banking password / PIN ready !
• Contact us at 18004254445, 044-28519460
• Email us: eseeadm@iobnet.co.in

2. Indirect Tax

• Please visit https://cbec.nsdl.com and choose E-Payment (Excise & Service Tax) and click E-Payment link
• Enter the Assessee Code and select the appropriate Accounting codes
• Choose Indian Overseas Bank and Submit
• Choose Individual / Corporate Login. After logging in Enter the amounts
• Enter your PIN and submit
• In case of single level authorization, account is debited and cyber receipt generated online
• In case of multi level authorization, this is kept in pending transaction and next user can log into www.iobnet.co.in with
  corporate login and pass the transactions available under Indirect tax -> pending transactions
• You can view / re-print cyber receipt for past transactions under Indirect tax - print cyber receipt
• Please keep your E-Banking password / PIN ready !
• Contact us at 18004254445, 044-28519460
• Email us: eseeadm@iobnet.co.in

3. VAT/TAX Payments

You can now make payment of VAT through IOB online payment
• Login to www.iobnet.co.in
• For Example Click on "Maharashtra VAT" available on left panel and enter your "TIN number"
• Please provide the necessary details and proceed to make payment
• The site will automatically direct you to the IOB payment gateway where you need to enter you internet login id and
  password
• Ensure the amount to be paid and make payment.

4. Delhi VAT

Indian Overseas Bank renders its customers the facility to make online payments towards New Delhi CST/VAT.
This can be availed by customer of any IOB branch of the bank.
The customers should have IOB's Internet Banking User-id & passwords.
By using this facility, the customers can make payments at any time of the day.
This facility is available only for account holders of IOB. Steps for DVAT / CST payments - online are mentioned below
• First step is customer need to register their TIN along with other details like Name, address etc.
  Once registration is completed, customer can proceed for E-Payment. Registration is one time process
• Customer has to fill the challan details. Select the payment type (either CST or DVAT) and click on submit
• Choose Individual / Corporate Login.
• Select your debit account and Enter your PIN and submit
• In case of single level authorisation, account is debited and cyber receipt generated online
• In case of multi level authorisation, this is kept in pending transaction and next user can log into www.iobnet.co.in with
  corporate login and pass the transactions available under Value Added tax -> pending transactions
• You can view / re-print cyber receipt for past transactions under Value Added tax - View Transactions
• Please keep your E-Banking password / PIN ready !
• Contact us at 18004254445, 044-28519460, 044-28889350
• Email us: eseeadm@iobnet.co.in
• Click on Proceed for Payment

5. SASTRA College fees

You can pay the fee for SASTRA College – Tanjore now through IOB internet banking facility
• Login to www.iobnet.co.in
• Select "Sastra" and enter your registration number and date of birth and click on submit
• Enter your Internet login id, password and check the amount to be paid and make payment.

6. Utility payments

You can make online payments to most of the following Merchants/Biller like cochin port trust, Sripuram Temple donations, Insurance premia , Ticket booking , Telephone/Mobile payments, Electricity bill payments through your
Internet Banking Account

• Login to the corresponding merchant’s site and enter the necessary details asked
• When asked to select the bank for making payment select "Indian Overseas Bank", the site will be redirected to
   internet banking login of IOB
• Enter your login id and password of your IOB internet banking account
• Enter the funds transfer PIN number to complete the transaction