Banking has evolved a lot! we have already come a long way when it comes to the development of banking infrastructure. There was a time when we had to visit the branch of the bank for everything that is related to our bank account. But now things have been changed.
95% of the things can be done from the convenience of your home. There is no need to go to the branch of the bank. All you need to have with you is your internet banking details, a stable internet connection, and a desktop or laptop computer. I also recommend you use antivirus software.
There are a lot of bad guys out there on the internet who has eagerly waiting to steal access to your bank account. If you don’t take the necessary steps then you may end up giving your account access to these people. Here I am talking about hackers and other people who run phishing websites.
When we are talking about internet banking technology. Then it is very important that you should know about the phishing websites. These are the websites that are not officially owned by your bank. But these websites pose themselves as the official websites.
The main goal of these websites is to steal the bank account information from the people. In many cases these phishing internet banking websites are successful. That is because people don’t spend time on verifying the website if it is the official one or not.
They just enter the login details and click on the proceed button. And when they do it the data is saved on the servers where these phishing websites are hosted on. Later the hackers will use the same details and login to your bank account using the official internet banking portal of the bank.
How Can You Check Account Balance using Internet Banking?
I hope you have now understood how phishing websites work. Already I have mentioned that you should use anti-virus software on your computer. That is because these Softwares detect the phishing websites and alert you before you access such websites.
Step 1: Open the Official Website of your Bank
The first thing you have to do is open the official website of your bank on your computer. If you are not sure about the URL of the website. Then you can use your ATM Card or the passbook to find it. Usually, the banks print their website’s URL on these things. You can also use Bank With Us to find the official website of your bank.
Step 2: Enter your Login Details
The login details of your internet banking or online banking account should be entered on the official website of your bank. I am mentioning it again “Only Enter Your Details on the Official Website.” In most of the case, you have to enter your Netbanking ID or Username or User ID along with the password.
Step 3: Complete the Two-Step Verification
Two-step verification is a breakthrough technology in terms of protecting our accounts. Once you enter your login details. Your bank will send the two-step verification code on your registered mobile number or email id. Enter that code on the website to login to your internet banking account.
Step 4: Select Your Bank Account
It happens that we have multiple accounts with the same bank. In that case, once you successfully login to your internet banking account. You will have to select the bank account as well. And if you have only one account with your bank then that account will be selected by default.
Step 5: View Your Account Balance
If you have multiple accounts then select the account of your choice to check it’s balance. And if you have a single account it will be selected by default. And the bank account balance that is remaining in the selected account can be viewed on the webpage.
This is how you can use internet banking to check your bank account balance online. You have to activate internet banking before you can proceed with the login. If you have not activated the internet banking feature for your account. Then you can contact your bank for more information on the activation procedure.