Telebanking, also known as telephone banking, allows customers to perform financial transactions over the phone without visiting a bank branch. It provides services like checking account balances, transferring funds, paying bills, and more. Telebanking uses security features like passwords, PINs, and transaction limits to protect customer accounts. It offers customers convenient access to their banking needs at any time without needing to visit in person.

1. UNDERGUIDENCE :- SUBMITTED BY :-
REG.NO.: (39166)
NAME : SANTOSH
KUMAR
REG.NO.: (39166)
NAME : SANTOSH
KUMAR

2. TELEBANKING ?TELEBANKING ?

3. IntroductionIntroduction
• Today we are having a fairly well
developed banking system with
different classes of bank.
• Some have them have engaged in
the areas of consumer credit,
credit card, merchant banking,
Internet and phone banking ,
mutual funds etc.

4. WHAT IS TELEBANKING ?WHAT IS TELEBANKING ?
• Telephone banking is a service provided by a bank or
other financial institution, that enables customers to
perform a range of financial transactions over the
telephone, without the need to visit a bank
branch or automated teller machine. Telephone
banking times are usually longer than branch opening
times, and some financial institutions offer the service
on a 24-hour basis. Most financial institutions have
restrictions on which accounts may be accessed
through telephone banking, as well as a limit on the
amount that can be transacted.

5. ORGANIZATIONAL OF TELEBANKINGORGANIZATIONAL OF TELEBANKING

6. Function of TelebankingFunction of Telebanking

7. How secure is Telebanking?How secure is Telebanking?
• Before the Telebanking Service can be
used on your account we ask you to pre-
designate in writing the payees or
accounts to which you might wish to make
payments. We believe that combining this
with the protection of a password ensures
that access to your account through the
Telebanking Service is doubly secure.

9. Security aspects in Telebanking systemSecurity aspects in Telebanking system
 ID when accessing information
services.
 PIN when initiating transactions.
 Uses of code pages when transaction
authorised.
 Usage of dynamic sms passwords.
 Blocking access to the server if a pin is
entered incorrectly three times
 Setting of transactions limits.

10. Features of TelebankingFeatures of Telebanking
 Check account balance .
 Enquire on the status of cheques.
 Transfer funds between accounts
including third party fund transfer.
 Open time deposit accounts .
 Request for cheque book or
statement .

11. Marketing of Telebanking systemMarketing of Telebanking system

12. EVERY DAY TELEBANKINGEVERY DAY TELEBANKING
SERVICESSERVICES
• Check your balance
• Make payments
• Pay bills
• Transfer money
• Set up standing orders
• Update your details
• We also offer a 24 hour
automated service
which allows you to
check your balance,
make payments and
transfer money.

13. Features of TelebankingFeatures of Telebanking
 Check account balance .
 Enquire on the status of cheques.
 Transfer funds between accounts
including third party fund transfer.
 Open time deposit accounts .
 Request for cheque book or
statement .

15. Cash Management/Online ServicesCash Management/Online Services
• Essential tools to keep you
informed and efficient
• Easy to use extras that save
you time and money
• Remote Deposit
• Sweep Services

16. Essential tools to keep you informed andEssential tools to keep you informed and
efficientefficient
• With our secure and easy Business Online Banking
System, you can manage your finances whenever it is
convenient for you. This free service delivers the ability to:
• Access account and loan balances and history
• Designate multiple users for your business, and define
what they can see and do
• Transfer funds, advance on your credit line, and make loan
payments
• Export account history to your accounting software or
spreadsheets
• Access and download bank statements and check images
• Search 12+ months of transactions

17. Easy to use extras that save you timeEasy to use extras that save you time
and moneyand money
• Direct deposit payroll for your employees
• ACH Payments to vendors
• Initiate electronic ACH Receipts* from your
customers
• Initiate Wire Transfers
• Bill Pay
• On the go access with Mobile Banking
• Built-in security features, plus optional Alerts and
Dual Authorization

18. Sweep ServicesSweep Services
• If you wish to maximize use of your cash
balances, explore the possibilities of our Sweep
Services. You may automatically sweep funds
between your interest bearing investments,
business checking account and line of credit.
• Transaction fees may apply and if applicable
will be included in the monthly service charge
calculation. Our earnings credit may offset the
monthly service charge. For additional details,
contact your business banker.

19. IMPORTANT CONSUMERIMPORTANT CONSUMER
DISCLOSURESDISCLOSURES
• The information contained on this site is not intended
for distribution to, or use by, any person or entity in
any jurisdiction or country where such distribution
would subject BankIowa, Nations Financial Group, Inc.
(NFGI), or any affiliates, to any registration
requirement within such jurisdiction or country. The
information obtained on this site is intended for
informational purposes only and does not constitute a
solicitation or offer to initiate a transaction in any
securities product or investment advisory service.
Further, nothing on this site should be construed as
rendering legal or tax advice.

20. • Advice can only be rendered after a
person has had personal contact,
completed the BankIowa planning
processes, and upon the execution of all
appropriate account forms. BankIowa will
not affect or attempt to effect transactions
in securities, or the rendering of
personalized investment advice for
compensation over the Internet.

21. THANK’S