INTERNET BANKING

Internet Banking is the facility which allows the bank's customer to do

banking transactions through Internet.
Internet Banking offers a convenience to the customers and his banking
needs can be sourced without physically visiting any of the branches,
some times right at his business place, residence, market or even while
traveling. Internet Banking Service is available to the customers of Core
banking branches of the Bank.
Services offered through Internet Banking
Union Bank of India offers you a wide range of services
through Internet Banking such as

1 Account Information: The user can get the information of the

operative accounts, deposit accounts, loan accounts and all
accounts. An user can get the following information :

1. Last "n" no. of transactions.

2. Statement of account – the user can have the statement of
account for any period starting from the date of migration of
his branch to CBS. The user can print or save the
statements.
3. Stop payment of cheques : Upon registering the stop
payment request successfully the system generates a
receipt with date and time. The user can save the
transaction details for all future references to Bank like the
date and time mentioned on the receipt.
4. Status of cheques issued.
5. Lien details.
6. Flexi deposit details.
7. Tax deduction at source details.
8. Temporary Overdraft details.

9. Nominee details etc.

2 Transfer of Funds: Under this option the user gets the facility
to transfer funds between different accounts. The options available
to him are as under:

1. Transfer of Funds between self accounts.

2. Transfer of funds from self account to any third party
 account within the Core banking branches of bank.
3. Scheduled Transfer for a future date.
4. status of fund transfers.

5. Status of pending as well as unapproved fund transfers.

3 Bills: This option is meant to facilitate payment of bills. Through
this feature the Internet Banking user can do the following:

1. Selecting payee from the list of payees registered by Bank

for bill payments. These will include utility companies like
Telephone, Electricity, Gas, mobile etc.
2. Setting up new payees personal to the user like his landlord,
relatives etc.
3. Making of payments.
4. Online payments as well as scheduling of payments for a
future date.
5. View pending payments as well as history of payments.

6. Sending of mails to the RM for bill payments.

4 Requests: A variety of request options are available to the user
under this module. All the requests are to be attended end to end
by the Relationship Manager of the branch. A user can make
request for
1. Issue of cheque book - the cheque books are to be mailed
to the address registered with the Bank and the courier
charges to be recovered from user.
2. Issue of Demand Draft- in case of online DDs the same are
to be printed at the branch and to be mailed to the address
of user registered with the Bank. Courier charges to be
recovered from the user.
3. FD account opening- in case of FDRs the same have to be
printed at the branch and delivered to the user against AOF
for the deposit. The AOF to include nominee details.
4. FD renewal- in case of FDR renewals the same have to be
printed at the branch and delivered to the user against AOF
for the deposit. The AOF to include nominee details.
5. FD breaking- these requests are off-line type in nature and
need to be executed as per the instructions of the user.
6. Account opening forms for SB/CD the users can make
requests for opening of additional accounts. The requests
need to be acknowledged and AOF sent to the user
promptly.
7. Switch mailing address- the user can select between the
different addresses registered with the Bank viz. present,
permanent and office address to be used as his mailing
 address.
8. Query on status and history of requests.
5 Mails: Every user of Union e-banking Retail service is linked to a
Relationship Manager who looks into the mails and requests made
by the user. For this purpose the user is provided with a mail
option, which he can use for communicating with the Relationship
Manager. The mails option enables him to

1. Compose and send mails to his RM.

2. Receive mails from the RM.
3. Create different folders for storing mails.
4. Mail alert box for receiving alert mails from Bank.

5. Storing of sent items.

6 Trade : The trade module gives query on status and history of

1. All the import and export LCs.

2. All the inland and foreign bills.
3. All the bank guarantees and forward contracts.

The module also allows the corporates to make request to Bank

for

1. Opening of LCs.
2. Amendment of LCs.
3. Lodgment of Inland and foreign bills

All the requests mentioned above shall be accepted by Bank as

advance information and shall be acted upon only when the
original documents relating to the LC or bills are produced at the
branch.
7 Limits: The limit module enables the corporate to query upon the
various limits sanctioned to it by the Bank. The corporate also gets
the status of utilization against each of these limits both in rupee
terms and in percentage terms.
8 Currency: All the transaction options available in Union e-
banking corporate module of Internet baking are in Indian rupee
INR only.
9 Uploads : The Union e-banking corporate allows bulk upload of
both debits and credits type of transactions. The corporates can
use this facility for salary disbursements, dealer credits and dealer
debits where the debits and credits are intended to several
accounts at a time.
 10 Customization: This option enables the user to customize the
Internet Banking options as under:

1. Changing of passwords – both login and transaction

passwords.
2. Changing of own profile by nicknaming of accounts like
salary a/c, expenditure a/c etc.
3. Changing of date format viz. dd/mm/yy to mm/dd/yyyy.
4. Changing of amount format from lacs to millions

5. Changing address, phone no, primary accounts etc.

11 Activity: The option enables the user to query on his own
activities as under

1. Financial enquiries i.e. third party fund transfer, breaking an

FD, FD account opening etc.

2. Non Financial enquiries i.e. Check book request, Mail request

etc.

ONLINE BANKING SAFETY

(Tips to improve your protection while banking online )
Union Bank of India has gone to extraordinary lengths to ensure that your
online transactions are secure, by placing its devises in most secured
environment as evidenced by the digital certificate issued by “VERISIGN”.

However, as a customer, if you follow few simple security practices as detailed

below, it will go a long way in ensuring maximum security to your
transactions.

1. General Security
• ·Digital Certificate from Verisign

Above symbol is found on the index page of the Internet banking website
of the Bank which guarantees that you are dealing with a secure
website.
• Also look for the padlock symbol on the bottom bar of the browser in
 Internet banking logon screen to ensure that the site is running in secure
mode before you enter sensitive information. Clicking on the lock will
allow you to see the Verisign Certificate authenticating the site. Please
check it every time you do Internet Banking.
• Log off after completing your transactions every time. Do not just close
your browser.
• Avoid online banking from a shared computer or cyber cafes. If this
cannot be avoided, please change your password once you come back to
your personal computer.
• Log on regularly to monitor your transactions and verify transaction
history. Further, while logging on, make it a point to verify the date and
time of your last log.
• Get your PC updated with operating system and browser patches.
• Ensure that your PC is loaded with updated anti virus software.
• Use anti spy ware/ windows defender.
• Use personal firewall available in Windows XP.
2. Password Security
• Keep your Passwords confidential. Do not use guessable passwords like
your name, place, birthdays, etc. Use alphanumeric passwords,
preferably with some special characters such as #, $, %. *.
• Change your password regularly.
• Never fill e-mail with input fields that ask you for sensitive data such as
User ID, Passwords, PINs, ATM and account number information.
3. Browser Security
Although Internet browsers have built-in security, small Internet files are
downloaded to your computer whenever you are online. Some of the files may
pose a security risk. Enhance your security by taking the following actions:

• Clear your browser's cache and history after each session so that your
account information is removed, especially if you are using a shared
computer.
• Use an Internet browser that supports 128-bit encryption.
• If you use Internet Explorer, configure the browser to not remember
passwords by disabling Auto Complete as below:
1.Launch your Internet Explorer and click on "Tools">> "Internet Options">>
"Content"
2.Under "Personal Information", click on "AutoComplete".
3.Uncheck "User names and passwords on forms" and click on "Clear
Passwords".
4. Click "OK"
4. Navigate Safely
Navigate the Internet safely to reduce the likelihood of online fraud.
• To ensure that you are going to an authentic Union Bank site, type in the
entire website address in your browser’s address bar instead of clicking
on the links provided in mails or third party websites. You can also add
the URL to list of favorites for quick and secure access.
• Beware of pop-up windows that ask for your confidential information
such as account number, PIN, passwords etc. Union Bank’s Login pages
are always on a web page and never in a pop-up window.
• If you suspect a website is fraudulent, leave the site. Do not follow any of
the instructions it may present to you.
Phishing/ e-mail/ Online Identity Frauds

Online Identity Fraud also known as "Phishing" occurs when fraudsters pose as
trusted organizations and send out thousands of fraudulent e-mails to random
e-mail addresses and ask to update/ respond with sensitive personal
information such as user Ids, PINs, Passwords etc.
How to differentiate between a genuine e-mail and fraudulent one
• Union Bank of India frequently communicates with its clients via e-mail.
The majority of these communications are to provide customers with
product information and updates about the Bank’s services. The Bank
will never send an e-mail requesting confidential account information.
• Fraudulent e-mails usually contain a link to a look-alike website to
mislead into entering sensitive financial information such as account
number, User ID, Internet Banking Password etc. This will enable the
fraudsters to capture the account information to access the customer’s
bank accounts.
How to tackle the problem
• The Bank will never send you urgent or time-sensitive e-mails that ask
you to provide, update or confirm sensitive data like your Credit Card
number or Internet Banking User ID, Password etc. Delete such e-mails
even if they appear to have come from Union Bank of India.
• If the link from e-mail goes to a login page or a pop-up window, do not
follow it and part with your account information. Always type in the
entire website address (http://www.unionbankonline.co.in) to access the
Bank’s websites. You can add the above address to favorites/ bookmark
 for easy and secure access.
• Check the sender e-mail address to verify that it is from a valid e-mail
account. Never open e-mail attachments from sources that cannot be
trusted.
• Always scan e-mail attachments for viruses before opening them. If you
are unsure about the source of an attachment, delete it.
• Be alert for spam e-mails. These are designed to trick you into
downloading a virus or jumping to a fraudule
nt website and disclosing sensitive information.
What you should do in case of e-mail or phishing threats
If you suspect that you have responded to a fraudulent e-mail or believe that
some one is trying to commit fraud by sending a mail pretending to be from
Union Bank of India, please contact us immediately at:

1. phishing@unionbankofindia.com or ebanking@unionbankofindia.com or
itsecuritygroup@unionbankofindia.com
2. Call on us at 022 22892231 or 022 22896605 or
3. Inform to the nearest branch of Union Bank of India.

Q1. What is Union e-Banking?

You can access various services of Union Bank of India at anytime, anywhere
and from any place provided you have access to an Internet Connection.
With Union e-Banking, your bank travels with you everywhere. You have
online, real time access for different services provided under a completely
secure environment, using 128-bit encryption Secure Socket Layer ( SSL ).
Q2. Why Union e-Banking?
e-Banking opens up an entirely new way of doing your banking, anytime and
from anywhere in the country 24 hours a day, 365 days a year.

Q3. Who can use Union e-Banking?

Union e-Banking is available to all the customers of Union Bank of India.
Resident Customer holding accounts with a joint operating mandate can only
view details on these accounts. They however will not be permitted to do all
financial transactions on Internet Banking. However in case of joint accounts
with operating mandate "Either or Survivor" both the holders can be allowed
to view and transact subject to submission of application with joint
signatures.

Disclaimer: Union Bank of India reserves the right to offer Union e-Banking to
selected customers at its discretion and at such limited locations as may be
specified by the Bank from time to time.

Q4. Security
The Bank maintains the highest of standards as far as security technology is
concerned, some of which are : 128 bit SSL encryption - This is the highest
level of security available for communication and transactions on the
Internet. SSL encryption allows the Bank to encrypt information, so that
when it travels through the internet, it is encrypted and cannot be accessed
by anyone . SSL also ensures that information is sent to the correct place
and that it is not tampered with.

IDRBT Certification - This Internet Banking site is certified by IDRBT. IDRBT

Certifying Authority (IDRBT CA) is the licensed Certifying Authority in India
under Controller of Certifying Authorities (CCA), Ministry of Communications
and Information Technology, Government of India.