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Your Financial Adviser Money Making MC
5Th
Aug 2016
Often,
we need to know the latest bank balance. For this we may log in
through the net or go to the nearest ATM centre or call the branch.
Some of us may be using phone-banking. But all these options are
time-consuming, particularly, the phone-banking facility, where you
have to press some numbers if you want to know something, and then
another number for going to a particular menu and then giving PIN and
then… and it continues! If you call the branch, the concerned staff
member will ask you a few questions to know your identity. However,
some banks do not entertain such requests over the telephone for
security reasons.The Total
Investment & Insurance Solutions
Readers
will be delighted to know that most banks have introduced a unique
facility which is very easy to use and not at all time-consuming.
Give a missed call to a specific number. It gets disconnected
automatically after one or two rings and, within seconds, you get an
SMS on your mobile giving details of your account number and the
balance. Generally, the first four and the last five digits of the
account number are shown in the SMS and digits in the middle are
encrypted with either XXXX or *****. Such SMS also gives details like
date, time and balance in the bank fixed deposit that is linked to
your account.
Remember
one thing; your mobile number must be registered with your bank for
availing this facility. If not, simply fill up a form available at
the branch, sign it and hand it over to the officer. Also, enquire if
there are any charges for the missed call and clarify whether there
are any hidden charges, particularly for the SMS that is sent by the
bank. Most banks do not levy any charge for missed-call banking
facility; but do check with you own bank.The Total Investment &
Insurance Solutions
An
official from HDFC Bank told Moneylifethat
there are no charges, for either the SMS sent by the Bank or the call
made by customers on its toll-free number for balance enquiry. A
wonderful thing in core banking environment is that you can link all
your accounts within the bank and then register your mobile number
for all of them. In such a case, only one SMS from the bank will give
your balance in all these accounts along with account type and
account number. Again, the balance shown is the real-time balance,
that is, the balance available in your account/s at that specific
time when you gave a missed call. If a cheque is presented through
clearing even after a second, it will not be considered. Very rarely,
it may happen that you do not receive an SMS. This generally takes
place when the data server is under tremendous pressure. So please
try again after a few minutes. We give below, for ready reference,
the phone numbers of some prominent banks. Please try out. If there
is no response, please verify the number. If your account number is
not linked with your mobile, you will receive an SMS. If your bank
name does not appear in the list, please contact them, to get the
number, if any.The
Total Investment & Insurance Solutions
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