FREQUENTLY
ASKED QUESTIONS (FAQs) on
1.0
GENERAL:
Q) What is “BarodaConnect”?
“BarodaConnect” is an umbrella for all the products
offered by the bank under eBanking (Internet Banking to start with).
Q) What is Internet
Banking?
Internet Banking
indicates banking facilities offered to the customers, on internet. Due to this
facility, you will be able to access the services, from your
ffice/house
using his/your own computer. With this facility, the customer will be able to
carry out following major activities….
Ø View balances in his all linked accounts.
Ø
Print and save
Mini statement
Ø
Print and save
statement of accounts
Ø
Query on txn
date, amount, debit/credit, cheque no. etc.
Ø
Cheque status
enquiry
Ø
Clearing cheque
status
Ø
View the
non-financial activities made
Ø
Change Password
Ø
Transfer funds
in self/linked accounts (between Home Currency, currency to currency and cross
currency)
Ø
Transfer funds
through Third Party Transfers (between Home Currency, currency to currency and
cross currency)
Ø
Bills module
(utility bills)
Ø
Request cheque
book, FD Renewal etc. (offline)
Ø
View Trade
finance details (for Corporate Users)
Ø
Modeling for
Deposit and Loans (Maturity calculator and EMI calculator)
Ø
Upload facility
for Multiple Credits and Debit credit transaction upload (for Corporate
Users)
Ø
SMS and email
alerts
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. How we will access Internet
Banking?
You can access Internet Banking despite having joint
account, provided operating instructions given are…
Ø
Either or Survivor.
Ø
Any one or Survivor.
For each customer, one individual user id
will be given by the bank, after applying for the same. He can access the
account and carry out operations, as desired.
Q) Is it
necessary to own a computer or
whether we can access
“BarodaConnect” 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
Ø
16 / 32 MB
RAM.
Ø
10-20 MB free
space Hard Disk Capacity.
Ø
Any operating
system that supports the browsers
like
Ø
Windows 2000,
Windows NT.
Ø
Access to the Internet.
Ø
Internet browser – Netscape Navigator 7.1 or Internet
Explorer
5.5 and
above.
(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
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.
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:
For
becoming an internet banking user for
following points will be considered
v
Should maintain
account with BoB branch in the territory.
v
In case of joint
account, then operating instructions should be ‘Either or Survivor’, ‘Any one or
Survivor’.
In
addition, following types of persons will not be eligible for Internet
Banking…
Ø
Blind
Ø
Illiterate
Ø
Dormant accounts
holder
Ø
Inoperative
accounts holder
Ø
Minor
Ø
Holder in
accounts where garnishee /attachment order is received.
Q) How can I apply for
The branch Relationship Manager (RLM) on verifying
the relevant details will arrange
for User Id and Password for the internet banking facility provided by Bank and
you will be informed for collecting the same from the branch as and when the
same is duly received by the branch.
After acknowledging the User id and password by you,
the branch will arrange for enabling your user id for internet banking services.
Q) How should I log in?
You will receive your user id and password in two
separate sealed envelopes in untampered form from the branch. You will be forced
by the system to change the same, when you will log in for the first time.
All queries to be made to barodaconnect.mauritius@bankofbaroda.com).
We request you refer the guidelines on password
security given in user guide.
Q) What if I am unable to login with the alloted
Password and a user Id?
In such case, while logging in for the first time,
please ensure that you are activated/enabled by the Bank for internet banking
services. While logging in for the first time, when you are not
activated/enabled, error message is displayed as ‘Invalid Login or Password’.
This message is also displayed when your user id is
disabled.
For activation, you may have to approach the
branch.
SMS will be sent on your registered mobile for
activation/enabling for the first time.
Ø
Necessary care
to be taken while logging in. Ensure that Caps lock is on/off. (passwords are
case sensitive).
Ø
Num lock is
on/off.
Ø
You have not
tried for more than 5 times (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…
It must be minimum 8
digit long and maximum 16 digit long.
Ø
It must contain
an alphabet (A-Z or a-z) and a number (0-9) and a special character (@,$,#,*
etc.), all the three.
Ø
It should not
contain all the letters used in your user id.
Ø
It is case
sensitive i.e. if password is in small letters use the same. If you use capital
letters, it will not work.
Ø
For your safety,
your password will be blocked, if attempt to log in fails for 5 times. (If
your password is blocked (i.e. you perfectly remember your password, but while
keying in, you keyed in wrongly for 5 times and it got locked) please submit the
form (available at the home page of he Bank for the territory) to the branch for
enabling the password. Your password will be enabled and you will be able to
access
Ø
While changing
the password subsequently, you can’t use any of your last 1 password.
Ø
If not changed
in 360 days, system will force you to change the password. However, we advise
you to keep changing the passwords, at a regular interval.
Ø
If you have
forgotten your user ID/ password, please submit forgot password form
(available at the home page of he Bank for the territory) to the branch.
Bank will generate new password, send you the same in mailer (the way in which
you got your first password) and you will be forced to change the password on
your log in.
Q) What is
the procedure for obtaining new password if the existing password is blocked or
forgotten?
If your password is blocked (i.e. you
perfectly remember your password, but while keying in, you keyed in wrongly for
5 times and it got locked) please submit the form to the branch for enabling the
password. Your password will be enabled and you will be able to access Baroda
Connect, using the same password.
If you have forgotten password, please submit
the same form to the branch, but for forgot password. Bank will generate new
password, send you the same in mailer (the way in which you got your first
password) and you will be forced to change the password on your log
in.
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.
Q) What should I do, if I have to stop using services for some time?
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).
Balance enquiry etc. are some of the services which will be offered online.
Transfer of funds, Mini statement etc.
Offline services indicate that this facility will not be carried out immediately but will be done in span of few days. Services like
Ø Account summary will be offered offline.
Ø Requests
Q) What
are the other facilities available?
Ø
Transaction
Query
Ø
Mini
statement
Ø
Cheque Status
enquiry
Ø
Clearing
Instrument status
Ø
Alerts on Home
page
Ø
Profile
Ø
Activity
Inquiry
Ø
Transfer of
funds between self/linked accounts (in any currency)
Ø
Transfer of
funds to Third party transfers (in any currency)
Ø
Upload facility
for Multiple credits, debit credit transaction (for
Corporates)
Ø
Trade finance
enquiry (for Corporates)
Ø
Requests such as
Cheque Book, FD renewal etc. (offline requests)
Ø
Modeling for
Deposits and Loans (Maturity amount and EMI calculator)
5.0
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.
Q) Are there some important
Security Tips:
Do’s:
Ø
Always type full URL
i.e. address of the Internet Banking website. For eg:
https://cbs.intl.bobibanking.com/intl/kenya/kenya.htm You may store the URL in
your favorites or create a link for the same.
Ø
Ensure your computer is
equipped with latest antivirus packages and the same is upgraded from time to
time.
Ø
Install advanced version
of Browsers for Internet Browsing for higher security.
Ø
Change the passwords
immediately, if you feel someone knows the same.
Ø
Make it a habit to
change the login and transaction passwords at a regular interval of time (you will be forced to change the
password by the system, if you do not do so after 360 days)
Ø
The recommended browsers
are
Internet Explorer Version 5.5 and above
Netscape Navigator Version 7.1 and above
Don’ts:
Leave your computer
unattended while you have logged in.
Ø
Write these passwords
anywhere.
Ø
Reveal your password to
any one including the bank staff since the bank does not require this
information. (Even if you receive a mail asking for the password and posing
as if it has come from higher offices, neglect it, since it can be dummy
mail).
Ø
Use name of your spouse,
children etc. as a password, since they are very easy to crack. Further, avoid
using important dates (wedding
anniversary, birthdays of you/ spouse/ children etc.) as your
password.