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  • June 18,2018
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internet banking

  • Introduction

    Introduction

    OBC's iBanking Services have been launched to maximize the customer satisfaction. OBC's iBanking Services are available to all the customers of the Bank branches under Centralized Banking Solution (CBS). The authorized customers can view their various accounts Anytime (24x7) and anywhere besides making various transactions i.e. fund transfer (NEFT/RTGS), E-commerce within Bank transfer, online FDR/CDR, Central and State Tax payments. iBanking Services are offered free of cost to the customers and can be availed by any saving/ current/ CC/ OD account holders. The iBanking URL is www.obconline.co.in

    If you are using Oriental Bank's I Banking for the first time and you have received both the user-id & password, follow the steps given below for login successfully:

    Step 1 : Logon to the internet and visit the website www.obcindia.co.in and click on the Oriental Bank's iBanking Link or visit the website https://www.obconline.co.in.

    Step 2 : Enter your user-id and sign-on Password to authenticate yourself.

    Step 3 : It is mandatory for you to change the passwords (Both Login and Transaction passwords) allotted to you. You need to first type in the Password given in the mailer to do so.

    Step 4 : Enter the new password of your choice and confirm it by retyping it.

    Step 5 : Click on 'UPDATE' to confirm the change. Message confirming the same will be displayed on the screen. Subsequent password changes can be down using Customise (Personal Profile) >> Change password option. You can also view Personal Details, set preference, update user ID and account Nick Name through this option.

    Step 6 : You need to browse through various options as per choice & in case of any transaction viz Fund Transfer etc, you need to enter your transaction password to authenticate the transactions.

    You can now continue using Oriental Bank's I Banking - the most comprehensive, safe and easy way to access your account.

  • Services offered

    Services Offered

    Presently following online facilities are offered through Internet Banking Channel:-

     

    1) Funds Transfer and Other Services

    • Funds Transfer to own linked accounts and other accounts within OBC.
    • Inter-Bank transfers through NEFT,RTGS & IMPS(through IFSC-P2A, AADHAAR-P2U, MMID-P2P). NEFT/RTGS can be scheduled for future date, without incurring any cost
    • Online Account statement in PDF, CSV , XLS & TXT formats for different search criteria. Customer can also generate mini statement
    • PPF account linking, Account & Nominee Details, Account Statement, Deposits and Online Account opening request
    • Tax payment : GST, Direct Taxes, Indirect (Central Excise, Service Tax & Customs Duty) taxes, CST/VAT/non-tax revenue payment for State of Maharashtra, West Bengal, Rajasthan, Odisha, Tamilnadu, Andhra Pradesh (Seemandhra), Delhi , Maharashtra GRAS, Gujarat, Uttarakhand
    • Loan Interest Certificate generation
    • Registration for e-statement functionality after registering email ID online.
    • Facility for Stop payment of Cheques, Cheque Status Inquiry and Clearing Instruments
    • Online Mobile Banking Services : Registration, De-Registration, MPIN Reset, Block, Unblock & MMID generation
    • Online creation of e-FDRs/ e-CDRs , Offline request for Cheque Book & Demand Draft
    • Pension slip generation facility for Defence, Railway, Telecom as well as central government pensioners
    • FORM 26AS View, e-Filing, Aadhaar Registration, ASBA, DEMAT services and Online submission/withdrawal of Form 15G/15H
    • CANARA HSBC OBC (CHOICE) premium payment
    • View TDS details – Consolidated & Account level TDS
    • Registration for social schemes viz PMJBY, PMSBY and APY
    • Self User Registration
    • Forgot User ID/Password
    • ONLINE SHARE TRADING in collaboration with M/s Sharekhan Ltd, M/s Karvy Stock Broking Ltd, IDBI Ltd, Geojit BNP Paribas , Kotak Securities Ltd Fund etc
    • Major Merchant Aggregators viz IRCTC, BillDesk, CCAvenue, Techprocess, ATOM, EBS, PAYTM, PAYU, Citrus, Paynear, Zaakpay, Paynet, SBI ePay etc
    • Pre-Authorization for Shopping Mall Transactions in Corporate Application
    • Bulk NEFT/RTGS Transfer & Salary upload functionality for Corporate Users
    • User Defined Transaction limits – Set limit option for Retail Net-Banking customers
    • Limits for Funds transfer Transaction are as follows-
     
    Type of Transaction Per Transaction Limit Per Day Limit
    Within Bank Transfer ₹ 25 lakh ₹ 25 Lakh
    NEFT/RTGS Bank Transfer ₹ 25 lakh ₹ 25 Lakh
    IMPS Transfer ₹ 50000 ₹ 1 Lakh
    e-Commerce Payment ₹ 25 lakh ₹ 25 Lakh
    Direct & Indirect Taxes ₹ 10 Crore ₹ 10 Crore
     
     

    2) Utility Bill Payment

    • e-Commerce (eShoppe):- Almost all available Merchant establishments have been integrated with Bank’s Internet Banking Services for utility payment / e-commerce transaction.
    • User can make payment of various Utility Bills online viz. Electricity, Telephone, Mobile, LIC Premiums, Credit cards, Travel & Ticketing, Mutual Funds etc.

    3) Request for Issuance of Cheque Book, Demand Draft etc

    NetBanking Customers can also put their request for renewal of FD, Demand Draft for operative accounts, issuance of Cheque Book, closure of FCNR deposits which are processed at Backend by the Relationship Manager.

    4) Mails

    Customer can also exchange mails through Internet Banking for any queries.

    5) Customized facilities

    • Change Signon or Transaction password (Combination of letters, digits and atleast one special character. Minimum length of Password - 8 character, Maximum length of password – 28 character).
    • Add Nick names to customer’s accounts for easy identification.
    • Change display formats as per customer’s preferences like Date Format, Primary Account.
    • Update User ID
  • Operational and Security guidelines

    Operational & Security Guidelines About "I Banking"

    As security is of paramount concern for using Internet Banking Services, you must take care and follow the security tips as under:

    General

    • The portal is compatible of browsers as Internet Explorer (IE) version 9.0 & above, Mozilla Firefox, Google Chrome and Safari etc.
    • Customer can get the information about browser version from the browser e.g. in Microsoft Internet explorer, in dropdown menu "Help", "About Internet Explorer", it gives information about Browser version as well as Cipher strength (128 bit).
    • Beware of fraudulent websites which look similar to the OBC I-Banking Ensure that you are on the Oriental Bank's Internet Banking site before disclosing any confidential information (iBanking password, Transaction password etc.) by checking the URL of the webpage.
    • Beware of scam e-mails which may contain a virus or be linked to a fraudulent website in order to elicit your confidential information.
    • Install good anti-virus software, configure it properly & update it regularly.
    • Always check the "padlock symbol" on the bottom right hand corner of webpage to ensure that you are connected to a secure session with Oriental Bank of Commerce. This is the VeriSign security symbol and confirms that the site you are interacting with is secured.

    Safeguard your Password

    • Upon receipt of Oriental Bank's iBanking password mailer from the Bank, the customer should change the password assigned by the Bank.
    • The new password should be of minimum 6 characters and preferably be a combination of Alpha, Numeric and Special characters.
    • Customers should regularly change their both Signon & Transaction passwords.
    • Customers should be advised to maintain strict secrecy of the passwords.
    • The password should be memorized.
    • While selecting the password, the customers should avoid numbers and letters that could be easily associated with them. Contact numbers, name, initials and birth date should be avoided as passwords.
    • In case of doubt about compromising of the password, the customer should immediately change the password.

    Log-in / Log-out

    • unts to check unauthorized use of the facility.
    • The customers should Log on regularly to iBanking web site : https://www.obconline.co.in to verify their iBanking accounts to check unauthorized use of the facility.
    • The customer should always log out/sign off from Oriental Bank's iBanking web site, whenever he has finished using the service or whenever he is away from his PC.

    The customer should always remember to close the browser application after logout by clicking on Cross button.

    • To ensure confidentiality of his information, he should always click on exit button.

    Clear Cache browser/ Delete Temporary Internet Files - The customer should be advised to follow

    The following instructions:

    For Microsoft Internet Explorer 9 & above, select Tools> Internet Options. Choose the "General" tab and click "Delete Files" on the "Temporary Internet Files" section

    Other Security measures to be followed by the customer

    At the Browser level:
    Disable profile assistant in browser
    Disable stored / per-session cookies in the browser
    At the O/S level:

    Disabling user-id & p/w storage assistance in Windows.

    • The user-id & both passwords (Signon/ Txn) should not be disclosed to anyone including Bank staff.
    • Avoid accessing Oriental Bank's iBanking web site from PCs installed in Public / open areas like cyber-cafes or libraries, which may have S/w (or viruses) for capturing keystrokes / sensitive information in memory swap files.
    • Do not disclose Personal Information like passwords, PIN, credit/ debit card numbers not to be provided to any entity in response to e-mail request.
    • Do not transact any Financial Transaction sitting infront/ alongwith any person for Protection of Transaction password.

    Security Measures in "Oriental Bank's I Banking Services"

    Bank realizes that product and service design requires a strong commitment to the proper management of the risks associated with electronic commerce.

    Your system Requirements

    To use online banking, applications, or other secure forms on our site, you will need Microsoft Internet Explorer 9.0 or higher, Mozilla Firefox, Chrome, Safari etc. You may use / get information about browser version from the browser e.g. In Microsoft Internet explorer, in dropdown menu "Help", "About Internet Explorer" gives information about Browser version as well as Cipher strength.

    User ID/Password

    No one can access your Oriental Bank's iBanking account(s) without your User-id and Password. The bank generates your User-id at the time of account setup and communicates this information to you.You may change your Password as often as you like after successfully logging in to our online banking system. If you enter your Password incorrectly FIVE times, our system will lock out access. Only authorized bank personnel can unlock the account based on positive identification, when you make such a request. This policy is intended to protect you from hackers or other unauthorized individuals attempting to access your account(s) at OBC Internet Banking. Further, through 'Personal Profile' option, user can change the signon/transaction password. In case, password has been forgotten by the user, it can be revived through Ónline password reset' from the "forget password ?" option on the home page.

    You may change your Password as often as you like after successfully logging in to our online banking system. This option is located in the Content web page. If you enter your Password incorrectly THREE times, our system will lock out access. Only authorized bank personnel can unlock the account based on positive identification of you when you make such a request. This policy is intended to protect you from hackers or other unauthorized individuals attempting to access your account(s) at OBC Internet Banking

    Secure Environment Banks computer system does not connect directly to the Internet. Any and all requests for data must pass through two distinct validation and control centers also known as Firewalls. Secure Socket Layering (SSL) protects all data transmissions between your PC and banks' computer system. SSL utilizes authentication and encryption technology developed by RSA Data Security, Inc. This method of cryptography means that your private information cannot be deciphered by unauthorized individuals.

    In addition, the Oriental Bank's iBanking In addition, the Oriental Bank's iBanking system has been subjected to stringent security reviews and penetration tests by an independent firm.

    VeriSign Global Secure Site IDs used by the bank enable secure online communications through Secure Sockets Layer (SSL) technology. Global Secure Site IDs enables the negotiation of SSL sessions using strong 128-bit RC2 or RC4 encryption.

  • Internet Banking Form

    Internet Banking Form

    You can fill the internet banking form and submit the same in the parent OBC branch to avail the net banking facility. Link to download the form is as given below :

    Corporate Net Banking application form DownloadDownload
    Retail Net Banking application form DownloadDownload
  • Terms and Conditions

    Terms and Conditions


    Click Here

  • Apply Now
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