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ALLAHABAD BANK
Department of Information Technology
HEAD OFFICE: 2, NETAJI SUBHAS ROAD, KOLKATA 700 001
Instruction Circular No. 10037/DIT/2008-09/04
Date: 09.05.2008
To All Branches & Offices

INTRODUCTION OF INTERNET BANKING, MOBILE (WAP) BANKING
and SMS BANKING SERVICES
(For Customers of CBS Branches)
1.0
Introduction:
The banking today is fast becoming technology driven. .com culture and
Banking have become synchronized in the present days financial activities
too. The advent of technology has made sweeping changes in the banking
industry enabling banks to provide best of the convenience to the customers.
The accent is now on making banking business more caring, convenient and
attractive to the customers. Recognizing that the institutions which employ
right technology as a tool for improving customer service and efficiency will
have better competitive edge, our Bank is also poised for inculcating this
technology culture with implementation of CBS and has taken the initiative of
introducing Internet Banking, Mobile Banking and SMS Banking services
to its customers.
2.0
Internet Banking:
Internet Banking refers to systems that enable Bank Customers to access
their Accounts and General Information on Bank Products and Services
through a Personal Computer (PC) or other Intelligent Device using Internet.
Mobile (WAP) Banking:
Mobile (WAP - Wireless Application Protocol) Banking Services (A subsystem
of Internet Banking Services) refers to systems that enable Bank customers to
access their Accounts in a restrictive way through a Mobile device. This
facility would be available to customers on their GPRS enabled mobile.
SMS Banking:
SMS Banking Services (Independent of Internet Banking Services) refers to
systems that enable Bank Customers to access their accounts in a restrictive
way in the form of SMS Messages through a Mobile Device (handset).
2.1
Benefits to the Customers:
Anywhere Banking: Banking from any convenient location, be it

office or home or while on the move.
Any time Banking: Convenience banking on 7 days a week, 24

hours a day.
Access Banking: Online / Offline Requests, Account Summary,

Funds Transfer, e-payment, Enquiry, Modeling etc.
Information Banking: Online availability of information about

Banks various products.
2.2
Benefits to the Bank:
Efficient and Cost effective delivery mechanism for banking

services.
3.0
Widening customer base;
Customer transition from manual to electronic channels;
Fostering customer- bond and relationship
Features of Internet Banking, Mobile Banking and SMS Banking Services

The detailed features, systems and procedures, duties and responsibilities for
these services are covered as under in this circular:Part A
Internet Banking Services [Including Mobile (WAP) Banking]
Part B
SMS Banking Services
Essential information for these channels is provided in brief below, while the
detailed features are given in Annexures:
Sl.
No.
Features
Brief Particulars
1.
Internet Banking
Website
2.
3.
4.
5.
Customer Care
e-mail address
Internet Banking
ibteam@allahabadbank.co.in
Team
e-mail
address
Incoming Number : 9795244444
SMS
Banking
Outgoing Number : 9795344444
Number
Only
CBS
Branches
Branches which
i.e.
On-line
and Off-line Transactions are possible
can provide these
in
customers
accounts maintained in Core
Services
Banking Branches only
Details of
Annexures
6.
General Terms &

Conditions ::
Eligibility Criteria
& Other
Guidelines
These Services / Facilities would be provided on

request of the account holders of all CBS
branches for doing financial / non-financial
transactions through these delivery channels.
Services are restricted to Account holders and
Indian Residents only and not offered in other
jurisdiction, at present.
Applicability of Terms will be in addition to and
not in derogation of the TERMS and Conditions
relating to any account of the User.
7.
Services Offered
8.
Forms
Note: Presently the facility is available to

Individuals only.
On-Line (Real Time) & Off-Line (through Manual
Intervention) Services viz.
Balance Enquiry, Account details, Transaction
Details, Fund Transfer, Issued Cheque status
enquiry, Deposited Cheque Status enquiry, View
of Contact Details, Change of passwords,
Account Statement down load for specific period
etc.
Application Form along with Terms & Annexure-1 (A)
Conditions
Annexure-1 (B)
Acknowledgement Form
Customer Feedback Form on Internet Banking
9.
10.
Incident Response Form

Internet Banking / Mobile Banking / SMS
Customer
Banking User Guide
Education
Handout on Frequently Asked Questions
(FAQs)
Privacy Policy (On Site)
Disclaimer Clauses (On Site)
Safety & Protection from Frauds
Phishing
Presently no charges and commission is being
Charges,
Commission
& levied for providing these facilities. In future
Minimum Balance Bank may at its discretion, stipulate at any time
for maintaining certain minimum balance or levy
any charges for availing these services of the
Bank.
Annexure-1 (C)
Annexure-1(D)
Annexure-2 (A)
Annexure-2 (B)
Annexure-2 (C)
Annexure-2 (D)
Annexure-2 (E)
Annexure-2 (F)
However, for off-line requests like delivery of

Account statement, cheque book etc., made
through Internet / Mobile / SMS Banking, branch
should levied charges / commission as per
existing Service Charges of the Bank.
11
12.
Fund Transfer:
Minimum
&
Maximum Limit of
transaction
through Internet
Banking
Glossary
Minimum Amount per Transaction : Re.100/Maximum Amount per Transaction: Rs.20,000/Maximum Amount per Day
: Rs.50,000/-
Brief descriptions about terminologies used.
Annexure 3
4.0
Other Guidelines:
The Bank has launched Internet / Mobile / SMS Banking services for
customers of all CBS branches.
Further, we are also in the process of
launching Phone Banking services for customers; in this regard a separate

circular shall be issued in due course. However, the customer may request
for Phone Banking facility also in the application form [Annexure-1(A)], so
that after the launch of Phone Banking services, the customer need not to
apply again for the same.
Necessary arrangements have been made for printing and supply of

stationery (application form along with Terms & Conditions etc.). However, a
soft copy of the Application Form and Terms & Conditions are also uploaded
on our Internet Banking Website as well as on our CBS Intranet Site, which
may be downloaded for use.
At present, these facilities would be available to Individual Customers only.

These facilities would be extended to corporate customers in due course of
time.
However, the Internet Banking facility would be made available to
corporate customers for the purpose of carrying out their e-Payment

transactions only, after taking e-Payment mandate form as provided in ePayment instruction circulars issued separately for the purpose (circular nos.
9998/DIT/08-09/02 and 9999/DIT/08-09/03 both dated 10.04.2008 for CBDT
and CBEC payments respectively).
All Offices / Branches are advised to note carefully the contents of this circular
for compliance.
(Shrawan Kumar)
General Manager (IT)
Encl. As above
PART- A
INTERNET BANKING SERVICES
Internet Banking Services:

Internet Banking refers to systems that enable Bank Customers to access their
Accounts and General Information on Bank Products and Services through a
Personal Computer (PC) or other Intelligent Device using Internet.
Internet Banking Service / Facility would be provided on request of the account
holders of all CBS branches for doing financial / non-financial transactions
through this delivery channel.
1.0 Eligibility Criteria:
Customers willing to avail of the facility of the Allahabad Bank Internet
Banking
System
must
have
respective
product
account
such
as
Savings/Current/Overdraft Account etc. with Allahabad Bank Branch under

CBS.
The Customers are required to submit the relevant Application Form
alongwith duly signed Terms & Conditions [Annexure-1 (A)] to avail of the
facility of the Internet Banking. The User-Id and Password(s) will be
allotted to the Internet Banking User on submission of Application Form.
Presently, the Personal Banking facility under Internet Banking
would be provided only to individual customers of single / joint accounts
but not corporate accounts.
In case of Joint Accounts, the facility would only be made available
where mode of operation is Either or Survivor(s)/Any one, and all the
account holders should sign the relative Application Form authorizing one
person amongst themselves as the authority to receive the user-id and
password and operate the joint account. However, in case of Former or
Survivor, this facility would be made available to Former only and formal
mandate in this regard is to be given to the Bank.
The User-ID/Password will not be issued to non-account holders of the
Bank.
2.0 General Terms and Conditions & Guidelines for Internet Banking
Facility:
The Bank reserves the right to disable the Internet Banking user account and
stop its operation at any time without prior notice to the Internet Banking
User.
The Internet Banking user shall be allotted two passwords namely Net
Banking Login Password and Net Banking Transaction Password.
The Internet Banking User must change the Password immediately upon the
Bank issuing the PIN Mailer. The Password can also be changed periodically
or whenever required, by the Internet Banking User.
The Password should remain secret, only to the Internet Banking user. The
Internet Banking User shall not inform / disclose the password to any person
under any circumstances whether voluntarily or otherwise. The Internet
Banking user should not keep any written record of their Password in any
place or manner, which may, enable a third party to use the Internet Banking
facility.
The Internet Banking User shall be fully responsible for all transactions put
through by the use of the Internet Banking facility using his/her/their user-id
whether or not with the knowledge/ authority of the Internet Banking user.
The powers and authorization conferred on the Bank by the customers are
irrevocable.
The Internet Banking User will be responsible for all transactions effected by
the use of the Internet Banking facility whether authorized by the Internet
Banking user or not and the Bank is no way liable or responsible for any
transactions effected by Internet Banking and User shall indemnify the Bank
for all losses / damages caused by any unauthorized use of his/her User-Id
or related Password.
The record of the Bank for transactions put through the Internet Banking
module shall be conclusive and bindings for all purposes unless verified
otherwise and corrected by the Bank.
The User's account would be debited with such charges as the Bank may
from time to time consider reasonable in respect of the Internet Banking
User.
Transactions in the account would be allowed as per Internet Banking
instructions received from Internet Banking Module to the extent of fund
transfer limit fixed by the bank from time to time, subject to availability of
sufficient balance in the account of Internet Banking user.
The Internet Banking User should immediately notify the Bank if the
Password is forgotten or accidentally divulged or any other reason.
The Bank shall not be liable for any failure to provide any service or to
perform any obligation under this facility where such failure is due to any
malfunction of the network, any dispute or other circumstances beyond its
control.
The Internet Banking Facility User shall not use or permit to use or any
related service for any illegal or improper purpose.
The Internet Banking User shall not attempt or permit others to attempt
accessing the account information stored in the computers of the Bank
through any means other than the Banks Internet Banking website.
An Internet Banking user shall be deemed to have read, understood and
agreed to be bound by the Terms and Conditions subsisting. The Internet
Banking user shall be also deemed to have read, understood and agreed to
be bound by the Terms and Conditions, Disclaimers and Privacy Policy as
posted on the Allahabad Bank Internet Banking website.
3.0 Product and Services Offered through Internet Banking Facility:
Presently Internet Banking Services intends to provide following On-line & OffLine Services to our customers. New Products and Services would keep on
adding through Internet Banking in order to cater the needs of our customers
in future:
(A) ONLINE Services:

Account Summary: Accounts which are Internet Banking Enabled may
be displayed along with the Current Balance, Total Balance, Unclear
Balance and Available Balance etc. (Savings / Current / Overdraft /Term
Deposit / Loan Accounts).
Overdraft Details: Limit and Drawing Power for OD Accounts,
Repayment Schedule for Loan Accounts may be viewed.
Transactions Details: User may view, download and print of the last 14
transactions or for specified period of selected account.
Online Requests: User may request for Stop Payment for a particular
Cheque or Range of Cheques in select accounts, Revoke of Stop Payment
of Cheques already stopped. User may also change his contact no. (phone
no., mobile no., email etc.).
Funds Transfer between own Accounts: User may transfer funds from
one account (with requested transaction facility) to his/her another
account to the extent of fund transfer limit fixed by the bank from time to
time, subject to the available balance, by selecting from & to accounts.
Adding of Account in Beneficiary List: If amounts are frequently
transferred to a particular account, then the facility of adding that account
in beneficiary list will be available by providing a nick name to that
account.
Viewing of Beneficiary Accounts: User may view all the beneficiaries
that have been added and may also modify the details of a beneficiary by
selecting that beneficiary.
Fund transfer to other Beneficiary Account: User may transfer fund
from his/her account (with requested transaction facility) to any other
third party account, maintained with any of our CBS Branch, to the extent
of fund transfer limit fixed by the bank from time to time, subject to the
available balance, by selecting his/her account and giving either third
partys account number or selecting a beneficiary.
Standing Order: User may give standing order for transfer of funds from
one account to another to be executed on a predefined frequency (daily /
monthly / month end). User may also amend or cancel the standing order
so given.
E-Payment Facilities: User may use E-Payment facility for payment of

Direct (CBDT) and Indirect (CBEC) taxes by debiting the account online
and may print cyber receipt & challan also.
(Note: Please refer separate circulars for E-Payment Facilities)
Online Enquiry:
1)
Cheque Enquiry: User may enquire status of a Cheque or Range of

Cheques issued in an account.
2)
Cheque Books: User may enquire for Cheque books issued in an

account.
3)
Outward Cheques Enquiry: User may enquire status of specific

Cheque or all Cheques deposited in an account.
4)
TDS Detail: User may view the Tax Deducted at Source details.
MAIL:
Mail: User may send and receive mails to and from Internet Banking
Administrator.
OTHER OPTIONS:
1)
Contact Details: User may view address details.
2)
Change Login Password: User may change login password as per

guidelines available on website.
3)
Change Transaction Password: User may change transaction

password as per guidelines available on website.
4)
Change User Preference:

User can change their User-Id, however the same can be changed
only once.
User may set his/her display preference.
5)
Login History: User may view login history.
(B) OFFLINE SERVICES;

Deposit Account Opening: User may request for opening of deposit
account by selecting the account from which the amount is to be debited
and giving the deposit details.
Deposit Amend/Renewal: User may request for amendment of
deposit
account
(only
Interest
repayment
mode,
and
Maturity
Instruction).
Closure of Deposit Account: User may request for closure of deposit
account by giving the repayment details.
Issuance of demand drafts and delivery options: User may request

for issue of Demand Draft by giving the details of Draft and delivery
options.
Account Statement: User may request for account statement by
selecting account, period of statement and delivery options.
Cheque Book Issue: User may request for issue of Cheque book in
selected account and delivery option.
Funds Transfer Facility: User may request for Funds Transfer Facility
(Transaction) in an account by selecting account.
Account Transfer: User may request for transfer of account from one
branch to another branch (the types of account eligible for transfer may
be decided by the Bank).
Phone Banking: User may request for Phone Banking Facility by giving
one default account.
SMS Banking: User may request for SMS Banking Facility by giving one
default account.
Loan Account Opening: User may request for a Loan by giving details
of loan type, amount, period, annual income etc.
Request Status Enquiry:
User may view the status of a request
already submitted by giving request Id or date range or request status.

The present status of the request is displayed (Processed/Pending/
Rejected).
MODELLING:
Viewing of EMI: User may view the EMI for selected Loan Product for
a given amount and loan period.
Deposit Modelling: User may view the maturity amount for selected
Deposit Product for a given amount and deposit period.
Note:
Some of the above services may not be available presently. The customers
should be advised to refer our Internet Banking website for presently
available facilities.
4.0 Customer Education:
In order to buildup Customer Relationship and also to impart the necessary
information to customers following forms / brochures etc. should be used:
Application Form for Internet / SMS / Phone Banking along with Terms &
Conditions :: Annexure - 1 (A);
User Guide :: Annexure - 2 (A);
Handout on Frequently Asked Questions (FAQs) :: Annexure - 2 (B)
Privacy Policy :: Annexure 2 (C)
Disclaimer Clauses :: Annexure 2 (D)
Safety & Protection from Frauds :: Annexure 2 (E)
Phishing :: Annexure 2 (F)
5.0 Systems & Procedures:
At Customer Level
Stage: I (Filling the Application Form)
1. Applicant must be an Account Holder of our Bank and Indian Resident only. The
Internet Facility is not offered in other jurisdictions.
2. Applicant has to submit a duly filled in & signed Internet Banking Application
Form and Terms & Conditions (As a token of acceptance of Terms & Conditions):
Annexure-1 (A) in physical form to the Base Branch for availing of Internet
Banking Facility.
3. Each page of Terms & conditions must be signed by the account holder(s).
4. Besides other information, applicant has to provide option for availing of the
financial transaction rights (y/n) in an account.
5. The Account Number mentioned at Sl. No. 1 shall be considered as Primary
Account. However, applicant may avail of Internet Banking Facility in one or
more accounts which are linked to the same CIF.
6. In case of Joint Account, the Mandate by Joint Account Holders has to be
provided in the relevant space in application form.
Note:
a) Base Branch: Branch which has created a particular CIF for the customer and keeps
all the residential / identity records/proofs of the customer and maintains his
account.
b) Primary Account: The Account mentioned at Sl. No. 1 in the Application Form,
shall be treated as Primary Account for Internet Banking, SMS Banking and Phone
Banking services.
c) Transaction facility would only be provided in SB, C/A and OD Accounts (within limit).
However, applicant would be able to transfer fund from the above said accounts to
other accounts like RD and other Term Loan/Demand Loan Accounts.
Stage II:
(Receiving of Acknowledgement, Welcome Kit, Passwords etc. by the

applicant)
After processing of the application at Branch and CBS Project Office level, the
applicant would receive the following:
Acknowledgement from the base branch in a standard format (Annexure1 (B)) for receipt of application.
The Welcome Kit from CBS Project Office, comprising the following
documents at the applicants address recorded with the Bank:
Letter of Welcome from CMDs Desk
Letter of Thanks from GMs Desk
User Guide
Handouts on Safety tips, dos and donts etc.
Net Banking Login Password to be collected from the branch by the
applicant after receipt of the Welcome Kit and acknowledging the receipt of
the same.
Net Banking Transaction Password from CBS Project Office at the
applicants address recorded with the Bank.
Stage III:
(Request for Regeneration of Password)

In case the customer has forgotten the Password, he/she may request for
regeneration of Password (Login or/and Transaction password) in following two
ways:
1. Through written request to base branch
Customer has to inform the branch for regeneration of Password in writing.
The Branch will verify the request and forward the same to CBS Project Office
for regeneration of password.
2. Through On line request
In case of On line, following procedures are to be followed:
Customer has to visit our Internet Banking Website
Click on Personal Banking button to get the Login screen wherein
Forgot Password Tab has to be clicked.
In the new screen, customer has to enter Primary CIF No. / User-ID,
Base Branch from the drop down, Date of Birth, and banking modes as
applicable.
Customer has to select relevant box in which password needs to be
generated and submit.
On submitting, a Reference number will be generated. The customers
should be advised to note this reference number for future use.

Note: After regeneration of Password (Login or/and Transaction) from
CBS Project Office, the Login Password will be dispatched to the base
branch from where the customer has to collect the same. The Transaction
Password will be dispatched to the customers address recorded with the
Bank.
At Branch Level
Stage I: (Processing of Application Form at Branch Level)
Note:
Branch has to first scrutinize the address of the applicant as provided in
Internet Banking Application Form against the existing address recorded
in the bank, generated from CIF so provided. In case of variation in
address, the applicant should be persuaded to change his/her address to
comply with KYC norms and the same must be updated in CBS system.
1. After receiving the duly filled in Internet Banking Application Form from the
applicant, the branch has to first note down the receipt of the same in Internet
Banking Register, the format of which is provided below:
FORMAT OF INTERNET BANKING REGISTER
ALLAHABAD BANK
Branch:
Date of
Applicati
Name of
Receipt
on
the
No.*
Applicant
Branch Code:
Mobile No.
CIF
Account
Financial
No.
Nos. on
Transaction
which
Right (Y/N)
other
contact no.
facility is
required
(Giving
primary
a/c first)
(1)
(2)
(3)
(4)
(5)
(6)
(7)
Processing of Application
Date
Journal No.
(8)
New
(9)
Please ( )
Date of
Date of Receipt of
Signature
for
Dispatch
Net Banking Login
having received the Net
to CBS
Password from the
Banking Login Password
CBS
with Date
Regeneration
PROJECT
OFFICE
(10)
(11)
PROJECT
of
Applicant
OFFICE
(12)
(13)
(14)
2.* Procedure of Allotting Application No.

Branch has to allot Application No. sequentially in following pattern:
Application NO.: INB / Branch Code / Sl. No.
For Example:
INB/ 0031 /1
INB/ 0031 /2
The allotted Application No. should be noted in the Application Form also for
future reference.
3. Branch
has
to send an
acknowledgement
as
per the format given in
Annexure-1(B) to the applicants address as provided in the application form,

acknowledging the receipt, mentioning the allotted Application No.
4. Branch has to verify all the particulars mentioned in the application form. In case
of any variation with the existing master data recorded in CBS (like address, date
of birth etc.) or any other particular not presently recorded in CBS (like Date of
birth, mobile no., email-id, telephone no. etc.), the same has to be
amended/recorded in CBS master data (CIF) after obtaining the relevant
documents from the applicant and following the Banks procedures/guidelines
(including KYC norms) in the matter.
5. After verifying the particulars and making necessary amendments in CBS master
data (if required), the branch has to enter the details in the following manner in
the CBS system (B@ncs 24) to link the requested channels.
Case (A):
Menu Navigation: Internet Banking Access to Particular CIF
Customer Management Amend Customer Details
Screen No. \\ SCR: 067050 CIF: Change Details will be displayed.

In the Field Customer No: Enter the CIF No. of Primary Account (Search
button is also available)
In the field Option: Select 9: Miscellaneous Details from the drop down
menu and
Transmit
On transmission next Screen \\ SCR: 067108 Create/Amend Miscellaneous
Details will appear.
The CIF and the Name of the Customer will be displayed automatically.
In the field Mode of Delivery: Select 01 for email or 02 for Mail from the
drop down.
In the field Access Channels: Enter 02: Internet from the drop down
menu.
Note: Twenty (20) Access Channels are available. They should be utilized from left to
right sequentially.
Other fields should be left blank.

Transmit
An OK message will be displayed with Journal Number.
Note down the Journal Number on the Application Form under the heading for Branch
Use and enter the same in the appropriate column of Internet Banking Register along
with the Date.
Case (B):
Menu Navigation: For Enabling Transaction Right
Deposit/CC/OD Accounts & Services Create Account Channel Link
Screen No. \\ SCR: 007082 Deposits: Create account\Channel linkage will be

displayed.
In the field Customer: Enter the CIF Number of Primary Account
In the field Account: Enter the account number linked to that above said
CIF (Search button is also available)
In the field Channel: Select INTER: Internet Banking from the drop down.
In the field Access Allowed Select V: view only or O: Transaction & View
as the case may be from the drop down.
Transmit.
Queue will be generated for authorization.
On successful authorization a Journal Number will be displayed.
Note down the Journal Number on the Application Form.
Note: If the customer having more than one account as mentioned in the application
form, is linked to CIF, the same procedure should be followed for enabling View /
Transaction Right (as the case may) for those accounts.
Case (C):
Menu Navigation: Linking of Accounts to CIF
Note: If the customer is having accounts maintained in same/different branches, linked
to different CIF, the branch may link only those accounts to one CIF on which the
applicant wants to have Internet Banking facility and the branch is Base Branch for all
those accounts, as mentioned in the application form. For other accounts which are
maintained at other branches, customer needs to submit a separate application at those
branches.
Customer Management Amend Link CIF to Account
Screen No. \\ SCR: 060455 CIF: Link Customer Information will be

displayed.
In the field CIF No.:
Enter the CIF Number of Primary Account (Search

In the field Primary System: Enter the word CIF.
In the field Associated Account: Enter the Account Number which are not
linked to Primary CIF.
In the field System: Select DEP: Deposits or LON: Loans as the case may
be from the drop down.
In the field Link Indicator Select C: CIF Link from the drop down.
Delete Indicator: By default N: No
Transmit.
Queue will be generated for authorization. On successful authorization, a Journal
Number will be displayed
Note: If the customer is having more than one accounts not linked to CIF, the same
procedure should be followed for linking those accounts to the CIF.
6. After verifying the details of the customer and linking of accounts with Primary
CIF, the authorized official should certify the declaration under For Branch Use
at appropriate place in the application form with Branch seal.
7. A Photocopy of the application form alongwith Terms & Conditions (T&C) has to
be made. The photocopy of the Application Form and T&C has to be retained in
the Branch (to be filed properly for future reference) and the original has to be
send to CBS PROJECT OFFICE through Courier/Registered Post. The date of
dispatch should be recorded in the Internet Banking Register.
Stage II:
(Receiving the PIN Mailer containing Net Banking Login Password)

Note: After receiving the PIN Mailer (Net Banking Login Password) from the CBS
PROJECT OFFICE, Branch has to preserve it intact in sealed condition, without any
tampering in its safe custody.
1. Record the Receiving Date in the INTERNET BANKING REGISTER.

2. On the request of the customer hand over it to customer after taking his/her
signature as a token of acknowledgement on the INTERNET BANKING
REGISTER.
3. If the PIN Mailer is received in torn / tampered condition, the same must be
promptly informed to CBS PROJECT OFFICE through fax or email to the Internet
Banking Team (ibteam@allahabadbank.co.in).
4. Branch will request CBS Project Office for activation of customers IB account
through fax / e-Mail so that the same can be activated within 24 hours.
Stage III:
(Regeneration of Passwords)
Branch has to receive the written request from the customer for regeneration of
password. The Branch will verify the request, make the necessary entries in Internet
Banking Register and forward the same to CBS Project Office.
After receiving the regenerated Password (Net Banking Login Password) from CBS
Project Office it has to be handed over to Customer after taking the
acknowledgement as explained above.
The Net Banking Transaction Password shall be dispatched to the customers
address recorded with the Bank.
At CBS PROJECT OFFICE Level

The Internet Banking Team at CBS PROJECT OFFICE will be formed for carrying out
the following activities.
Stage: I (Processing the Application Form)
On receipt of verified and authenticated application form from the branch, following
procedures should be adopted by the Internet Banking Team:
1. A rubber stamp should be affixed on the reverse of the application form and the
date of receipt should be recorded. A format of the Rubber Stamp is provided
below:
Allahabad Bank CBS Project Office
Application Received On:
_________________
Processing Date:
_________________
Reference No.:
_________________
______________
Generated By
_______________
Authenticated By
2. The date of receipt and other particulars should be recorded in the Internet
Banking Password Generation Register. A format of such register is given below:
Format of INTERNET BANKING PASSWORD GENERATION REGISTER
ALLAHABAD BANK
Date of
Branch
Receipt
Code
CBS PROJECT OFFICE

Application
No.
Name
/Reference
Name of
Mobile /
the
other
applicant
contact
(2)
(3)
CIF No.
No.
No.
(1)
Code:
(4)
(5)
(6)
(7)
Account Nos.
Financial
Processing of Application
Signatures with Name
on
which
Transaction
Date
Generated By
is
Right (Y/N)
facility
Reference
Authenticated
By
No.
required
(Giving
primary
a/c
first)
(8)
(9)
(10)
(11)
(12)
(13)
Date of
Password Generation ( )
Dispatch
of
Welcome
Kit to
customer
Regenerate
New
Login
Transn.
Login
Transn.
Password
Password
Password
Password
(14)
(15)
(16)
Date of Dispatch
Remarks
of Password
(if Any)
To
To
Branch
Customer
(17)
(18)
(19)
Stage: II
(Processing & Generation of Password)

Case (A): For New Accounts:
1. Verification & Updating of User Details for Internet Banking
Verify the user details like CIF, Name, Date of Birth, Address, Contact details,
Mode of Banking for the new user who has requested for the facility through
Internet Banking Administration module.
Note: If the information so displayed is found correct as per the Application Form,
then proceed further, otherwise contact the branch for rectification.
2. Generation of Passwords
Fill up relevant details like User Type, UserID and relevant boxes for Passwords
to be generated in Internet Banking Administration module. Reference Number
generated should be recorded in the recommended register.
The Passwords (login & transaction) so generated should be authorized by the
Checker through Internet Banking Administration module when the branch
requests for activation of the account after delivering the PIN Mailer containing
login password to the customer.
Note:
1. PIN Mailer consists of manifold three carbonized pages in a sealed condition.
2. Carbonization is placed in different locations in different pages as per requirement.
3. The Passwords will be generated by the system automatically.
3. After generating the passwords, the following information will be printed on the
PIN Mailer automatically:
a) Name & Address of the Customer on the left side of PIN Mailer, which is visible
only on the Second sheet.
b) The Password will be printed on the third sheet under the black rectangle,
which is not visible. That can be viewed by the customer only by tearing the PIN
Mailer.
Note: The first Page of the PIN Mailer should be torn off and must be destroyed
completely to safeguard against any possible frauds & forgery.
After generation of Passwords, following procedures have to be adopted:
4. Processing Date, Reference No., should be noted on the reverse of the

application form at relevant places under the signature of Maker & Checker.
5. Also the relevant columns of the INTERNET BANKING PASSWORD GENERATION
REGISTER should be filled up accordingly.
6. After detaching and destroying the first page of the PIN Mailer containing Login
Password, it should be dispatched to the concerned branch through Registered
Post/Courier.
7. After detaching and destroying the first page of the PIN Mailer containing
Transaction Password, it should be dispatched to the Customer through
Registered Post/Courier at the address recorded with the Bank.
8. Welcome Kit comprising Letter of Welcome from CMDs Desk & Letter of
Thanks from GM(IT), User Guide, and Handout on FAQs etc. will be dispatched
to Customers Address requesting him/her to collect the Login Password from the
base branch.
Note: Welcome Kit, Login Password and Transaction Password must be
dispatched through separate registered post / courier services.
9. The date of dispatch should be recorded in INTERNET BANKING PASSWORD
GENERATION REGISTER.
Case (B): For Regeneration of Password
In case of customer forgetting his/her password, he/she may use either of the
following options:
(i)
(i)
Through written request to base branch
(ii)
Through On line Request
For Regeneration of Password through Branch

After receiving the request from the base branch in writing for regeneration of
password, CBS Project Office should follow the same procedure as for
generation of New Password as explained and also adopt the following
navigation for Regeneration of password etc.
Regeneration of Password for Internet Banking

Fill up relevant details like User Type, UserID and relevant boxes for PINs
(passwords) to be generated with Pin Status to be changed to field selected
as FORGOT in Internet Banking Administration module. Reference Number
generated should be recorded in the recommended register.
Note: Mode of banking for Pin Change should be done one at a time.
The regenerated LOGIN password should be send to the concerned branch, from
where the customer has to collect it.
The regenerated TRANSACTION password should be send to the customers
address recorded with the Bank.
The Password(s) so generated should be authorized by the Checker through

Internet Banking Administration module when the branch requests for
activation of the account after delivering the PIN Mailer (containing Login
Password) to the customer. In case of regenerated Transaction Password,
on receipt, the customer shall request for activation through mail to be sent
from Internet Banking Administrator using the Internet Banking facility.
(ii)
For Regeneration of Password through Online Request

On request of regeneration of Password online from the customer, the
Administrator will receive a mail containing relevant details.
CBS PROJECT OFFICE should follow the same procedure as for regeneration
of Password as explained above.
Note: CBS Project Office should send an SMS alert to customer informing
him/her the receipt of request for regeneration of the password(s).
6.0 Duties & Responsibilities:

A. Overview
(i)
Responsibility for maintaining accurate and complete access control

privileges as per Internet Banking Policy
(ii)
Ensure appropriate procedures are in effect to protect the integrity,

confidentiality and security of the information used or created within their
area.
(iii)
Reviewing and approving all requests for access authorizations
(iv)
Implementation of awareness / education program to ensure that the

customers / employees and the related third parties (vendors, suppliers)
are aware of and observe their respective responsibilities for the
maintenance of Internet Banking / SMS Banking and Phone Banking (to

be launched in due course).
(v)
Coordination and cooperation with other functionalities
(vi)
Performing security audits for compliance
(vii)
Reporting of information systems security incidents and provisions for their

resolutions to CBS Project Head and other relevant authorities, as
applicable.
(viii)
Identification of exceptions or deviations from the system and initiation of

appropriate action when problems are identified
B. Detailed
Branch
Note: Branch should identify an Officer for handling Delivery Channels
like ATM, Internet Banking etc.
I: Receiving the application, process it and sending the same to CBS

PROJECT OFFICE
1. The designated officer should examine the application form and ensure that
all the requisite information is filled-in by the customer.
The mandatory information required in the form is as under:
a. Name:
b. CIF No.:
c. Date of Birth
d. Account Numbers which the user wants to link for Internet Banking:
e. View / Transaction facility (For funds transfer / e-payment facility,
customer must tick transaction facility):
f. Address of the customer should be complete and correct in the form and it
should match with that in the CBS System. If it differs, the branch has to
take necessary proof from the customer to fulfill KYC norms and change
the same in CBS system.
g. Mobile No. (Required for SMS Banking):
h. Email:
i. Fax No.:
j. Whether Customer is Resident of India
k. Signature of customer on Internet Banking application form and each page
of Terms & Conditions
l. Signature of other account holders on Internet Banking application form
and each page of Terms & Conditions, if the IB facility is requested in a
Joint Account
Branch should ensure that all the above information is filled-in by the
customer correctly.
2. After receiving the above mentioned application form, the branch should put
a running serial no. on the application and make appropriate entry in the
Internet Banking Register.
3. Branch must acknowledge the request of the customer for Internet Banking
and give an acknowledgement to the customer for the same.
4. Branch must update the information in CBS System as per the application
form after taking the relevant documents from the customer, wherever
required.
5. Branch has to process the application and perform the following activities
after receiving the application:
a. Link the accounts maintained in that branch, as per customers request
mentioned in the application form, to his/her CIF for which he/she has
requested Internet Banking facility
b. Link the customers CIF No. for the Internet Banking Delivery Channel
c. Allow View / Transact facility in customers accounts as requested by the
customer in the form
d. Designated Officer must put his signature along with his signature no. with
seal of the branch in the application form.
e. The application form should also be authorized by Manager (Operation) /
Branch Manager.
6. Branch should retain a photocopy / Xerox copy of the above application form
alongwith Terms & Conditions for their record purpose and send the original
to CBS Project Office for further processing.
II: Receiving the PIN Mailer from CBS-Project Office
1. The PIN Mailers sent by CBS Project Office containing the Login Password
must be kept securely by the Branch in safe custody.
2. Customer will approach branch for Login Password after he / she has received
the Welcome Kit sent by CBS Project Office. The branch must hand over PIN
Mailer containing Login Password to the customer after verification of his
credentials and should request CBS Project Office to activate customers IB
account / User-Id.
3. The branch will obtain signature of the customer in the IB Register
acknowledging the receipt of the PIN Mailer. The customer should be
informed that his/her IB account / User-Id will be activated within 24 hours.
4. The branch will send a letter to CBS-Project Office through e-mail / fax
informing the list of customers to be activated. This must be done daily so as
to ensure that the customer IB Account is activated within 24 hours.
III: Handling Off-line requests

1. Many services under these channels work in off-line mode i.e. customers can
lodge their requests through these channels and branches need to perform
necessary activities based on the requests / instructions from the customers.
Account Statement Request, Cheque Book Request, DD Issue are example of
these requests. When a customer lodges such request, the request travels
from Internet Banking to CBS Application and gets stored in the system. The
designated officer needs to scan through (in CBS System by screen no.
60025) all the requests coming from these channels and take appropriate
action like printing the account statement and dispatching it, issue cheque
book / DD and dispatching it. The status of the requests be changed from
Unprocessed to Processed.
2. The designated officer to ensure that the system has debited necessary
service charges like cheque book charges, DD commission etc. from
customers account. Other charges, if applicable, like courier charges etc.
must be debited from the customer account by the designated officer.
Necessary vouchers etc. must be prepared & signed by the designated officer
and authorized by the Manager (Operations) / Branch Manager and kept for
records.
3. All offline requests made by the customer should be taken care by the
designated officer appropriately and in timely manner and status should be
advised to customer accordingly, wherever required.
4. Printouts of the requests lodged by the customer may be kept for records,
wherever necessary, by the designated officer.
IV: Internet Banking Transaction Reports at branches
1. Internet Banking Transaction Report containing all the transactions happened
in the accounts maintained by the branch must be checked / reviewed daily
by the branch to ensure the following:
a. To be vigilant with the Internet Banking Transactions happening in the
branch
b. To be aware with the customers transaction behaviour / pattern, in case
of any untoward incident / fraud / complaint
c. Routing of transaction is happening properly
d. Collection of taxes (Indirect) may also be confirmed from this report as a
double check
CBS PROJECT OFFICE (CBS-PO)
I: Receiving the Application Forms, process it, generate passwords
1. The Internet Banking team at CBS-PO will receive the Application Forms,
stamp the Date of Receiving on the application and make appropriate entry in
the register.
2. CBS-PO should also verify the user details as mentioned in the application
form vis--vis as recorded in CBS system. In case of any irregularity, CBS-PO
should contact the branch to rectify the same.
3. CBS-PO to confirm with the branch that they have performed the necessary
activities at their end. If not, request the branch to complete their activities as
mentioned in the guidelines.
4. On receipt of confirmation from the branch, IB Team (Admin user) to
generate the passwords on the PIN Mailer stationery. The generation along
with activation of password to be done under maker / checker as prompted
by the system. The designated user who has generated the password for the
customer can not activate it. Another user would need to activate the same.
Date of Password generation and the name/signature of the officer must be
put on the application form for record. The same must be verified by the
Delivery Channel Head at CBS-PO.
5. The IB Team must ensure that the customer is attached to an appropriate
group which has been granted the requisite services.
6. Welcome Kit containing all details of Internet Banking must be sent to the
customer directly through registered post / courier on the same day.
7. The Login password (PIN Mailer) must be dispatched to the branch on the
same day through the separate registered post / courier.
8. The Transaction password (PIN Mailer) must also be dispatched to the
customer on the same day through the separate registered post / courier.
9. On receipt of the Welcome Kit from CBS-PO and PIN Mailer (Login Password)
from the branch by the customer, Branch would contact CBS-PO for activating
IB account of customer which should be done immediately by the designated
officers at CBS-PO.
II: Performing Administrative Functions
1. Internet Banking Team must perform administrative functions in the Internet
Banking Application on day to day basis.
2. The administrative functions may be enlisted as below:
a. generate passwords for customers
b. attend to emails coming from customers to admin mail-ID in the
c.
d.
e.
f.
application and take necessary action for resolving the issue, if any
attend to emails coming from customers / branches
to
customercare@allahabadbank.co.in / ibteam@allahabadbank.co.in mail-ID
and take necessary action for their resolution
ensure to make/implement necessary changes on the website to keep it
updated
ensure to make available necessary services to the customers as per their
request
ensure proper configuration of branches, services, products etc. for
smooth running / functioning of various services and application
g. reports etc. should be regularly analyzed by the team for review and
reporting to the higher authorities, if necessary

h. review of the audit logs / exception reports on day-to-day basis and report
problems / suspect users to CBS Project Head and, accordingly, taking up
the matter with Branch / customer.
III: Redressal of Complaints
1. IB Team should be continuously vigilant to see that complaints from
branches, customers regarding Internet Banking are redressed appropriately,
effectively and on time.
2. The complaint should be logged in a complaint register with description, date
and time stamp of logging and signature of the officer logging the complaint.
3. On redressal of the complaint, the same must be noted in the register.
4. The register must be placed to the CBS Project Head from time to time for
review.
Internet Banking Co-ordinator
Should assume responsibilities as detailed out in IB Policy from time to time.
Internet Banking Team (including Admin User)/ Phone Banking Team
The team to perform duties and responsibilities as detailed herein in the circular
for Internet / SMS / Phone Banking.
Co-ordinate with DBA, Network Administrator and Security Administrator for
Security Audit.
Security Officer / Group
Security Officer / Group to perform duties and assume responsibilities as defined
in Banks IT Security Policy and Procedures.
Security Officer / Group also to follow Banks Internet Banking / SMS Banking /
Phone Banking Policy and abide by RBI directives for the delivery channels as per
their circulars from time to time.
Data Base Administrator
DBA to perform duties and assume responsibilities as defined in Banks IT
Security Policy and Procedures.
DBA also to follow Banks Internet Banking / SMS Banking / Phone Banking Policy
and abide by RBI directives for the delivery channels as per their circulars from
time to time.
Network Administrator
Network Administrator to perform duties and assume responsibilities as defined
in Banks IT Security Policy and Procedures.
Network Administrator also to follow Banks Internet Banking / SMS Banking /

Phone Banking Policy and abide by RBI directives for the delivery channels as per
their circulars from time to time.
Duties & Responsibilities are subject to change from time to time subject to
change in:
The coverage and scope of the services offered under Internet Banking
Channel;
Banks IT Security Policy & Procedures;
Banks Internet Banking Policy;
Directives from Regulatory Authorities
7.0 Reports:
A list of reports is available and may be obtained from Internet Banking
Administration module at CBS PROJECT OFFICE Level as per requirement.
Reports so generated at frequent intervals should be preserved.
Lists of such reports are provided in a tabular form
Sl No.
1.
2.
Menu
Details of Menu
Particulars
Log
i) Transaction Log
Details of transactions carried out
Maintenance
ii) Session Log
Details of Particular Session held
iii) Error Log
Details of errors during the session
iv) Audit Log
Details of modifications by Administrator
i) Usage Statistics
Number of Services hits on a day
ii) Customer PIN Generation
Details of PIN Generation
Reports
Report
iii) Branch-wise Generation &
Activation Summary
iv) Circle-Wise PIN Generation
Summary
Activation Report
Branch-wise
of
PIN
Generation
and
Activation Branch wise

Branch-wise PIN Generation Summary
Report
v) Branch Generation &

vi)
Summary
Transaction
Details of User-Wise PIN Generation &

Activation Report
Summary of Branch-wise Transaction hit
Hit Log
vii) Locked User Report
Details of Locked User
viii) Access Channel Customer
Branch-wise access report on different
Based Report
banking modes provided through delivery

channels
ix) Response Failure Report
Details of Time-out transactions
x) Queries Report
Details of User-wise Validity Period
8.0 Incident Reporting:

In case of every breach or failure of security systems and procedures, Bank has
to report to RBI immediately through Head Office in the Format enclosed at
Annexure - 1 (D).
9.0 Redressal of Customer Complaint/Suggestion:
Customer may lodge his / her complaint regarding the Internet Banking Facility
through either of the following modes:
Written Complaint
Through Online
Branches, after receiving the complaint from the customer should first record it in
complaint register with description, date and time stamp of logging and signature of
the officer logging the complaint and immediately try to redress the grievances at
their level first otherwise should take help of CBS PROJECT OFFICE.
CBS PROJECT OFFICE at its level should fix the matter and inform the customer.
In case the complaint is routed through the branch, CBS-PO should also intimate the
Branch after redressal.
10.0Customer Feedback on Internet Banking:
Branches have to receive the feedback from the Customer regarding the
services provided in the Customer Feed back on Internet Banking Form
[Annexure - 1 (C)].
These should be forwarded to CBS PROJECT OFFICE.
Internet Banking Team has to collate the feedback so received from the
branches.
Since customer can also extend their feedback online, Internet Banking Team
has to collate feedback received online as well.
After analysis of the feedback by Internet Banking Team, the report has to be
submitted to Management along with recommendations. After approval,
necessary measures should be taken to rectify the deficiencies, if any for
improvement in the services.
11.0Security Features:
In order to provide a secure and safe Online Banking environment, to build up
a confidence in protection of customers data, business availability and level of
comfort in Internet Banking Facility amongst our customers, Bank has adopted
a Privacy Policy. Bank has recognized the importance of protecting the
confidentiality and security of any personal information obtained from the
customer to our website.
At the same time in order to mitigate the Compliance, Strategic, Reputation,
Legal and Transaction Risks, Bank has adopted necessary measures to maintain
security standard and procedures to help prevent unauthorized access to
confidential information about customers and also ensures delivery of IB
services on a consistent and timely basis in accordance with high customer
expectations for constant, rapid availability & potentially high transaction
demand.
To minimize Operational, Legal and Reputation risks arising from unexpected
events, including internal & external attacks, effective incident response
mechanisms have been devised and following Security Features have been
included for our Internet Banking Services:
Robust Firewall protection
128 bit secure socket layer
Digital Certificate
Two levels of passwords for Online Banking i.e., login password and
transaction password
Besides these, customers are also been facilitated with information in

connection with the onsite facility on Tips for Safe Banking, Privacy Policy,
Disclaimer, Safety & Protection from Frauds, Phishing etc.
Under Customers Education the account holders are informed about the
following to have a safe and secure Internet Banking:
Online Frauds
Phishing
Offline Frauds
Secure Banking
Number of Login Attempts; Timed Logout
Expiry of passwords
Internet Banking Tips
Password Protection
PC Protection
Dos & Donts
MOBILE (WAP) BANKING SERVICES
(As an additional facility to Internet Banking Services)
The Mobile (WAP) Banking Facility would be available as an additional facility to

all those applicants who have availed of the Internet Banking Facility. Please
note that this facility can not be given exclusively without Internet Banking
facility being offered.
Mobile (WAP) Banking Services:

Mobile (WAP) Banking Services (A subsystem of Internet Banking Services) refers to
systems that enable Bank Customers to access accounts in a restrictive way through
a Mobile device.
This facility would be available to customers on their GPRS enabled mobile. The URL
would be same as for Internet Banking i.e. https://www.allbankonline.in. The
user_Id and password for WAP Banking are same as for Internet Banking.
Prerequisites for Accessing the Mobile (WAP) Banking Services:
Following two conditions are essential for Mobile Banking Services:
1.
Customer should have the Internet Banking Facility
2.
Mobile Device (Handset) of the customer should be GPRS (General

Packet Radio Service) enabled.
Website for Mobile (WAP) Banking Services:

Website for availing the services is:
Eligibility Criteria & Other Guidelines:

The Eligibility Criteria and Other Guidelines are same as meant for Internet Banking
Facility described above.
Service Offered to Customers:
Balance Enquiry
Mini Statement Request (Last 5 Transactions only)
Statement Request
Cheque Book Request

Cheque Status
Account Enquiry
Stop Payment (On Line)
Systems & Procedures:
Customer has to follow the under noted guidelines for accessing Mobile Banking
Services:
Customer needs to get his mobile GPRS enabled by requesting his service
provider
Access
Web
site
through
mobile
device
(handset)
Since, this is an additional facility provided to the customers who are availing
Internet Banking Services, the system & procedures would be same as for Internet
Banking. However PIN generation etc. does not need to be done specially for this
facility as the UserId / Password for Internet Banking is valid for this service.
Duties & Responsibilities:
Duties & responsibilities will be same as applicable for Internet Banking.
PART- B
SMS BANKING SERVICES
(This facility is independent of Internet Banking Facility)
SMS Banking Services:

SMS Banking Services (Independent of Internet Banking Services) refers to systems
that enable Bank Customers to access their accounts in a restrictive way in the form
of SMS Messages through a Mobile Device (handset).
Prerequisite for Accessing the SMS Banking Services:
Following conditions are essential for SMS Banking Services:
The Mobile Number should be registered with Bank for availing of this
facility. Only on this Registered Number, customer can avail this facility
on his/her device (handset).
The facility would be available to all those accounts which are linked to
CIF.
The Account mentioned at Sl. No. 1 in the Application Form, shall be
treated as Primary Account for SMS Banking service.
Only standard Op Codes (SMS Banking Message Codes) provided by the
Bank are valid for availing the facility.
SMS Banking PIN (4 digit number) is the password needed with Stop
Payment (STPPAY) and Revoke Stop Payment (STPREV) messages for
additional security.
SMS Banking Numbers:
The SMS Banking Services are available on following numbers:
Sl.
No.
1.
I/C or O/G
Mobile Number
Incoming
9795244444
2.
Outgoing
9795344444
Purpose
To be used by
Request Message by Customer Only

Customers
Corresponding Reply Bank Only
Message from Bank
Eligibility Criteria & Other Guidelines:

The Eligibility Criteria and Other Guidelines are same as meant for Internet Banking
Facility as provided in Part-A of this circular.
Service Offered to Customers:

Help on Usage
Change PIN (Password)
Balance Enquiry
Mini Statement request (Last 5 transactions only)
Statement Request (on Address)
Cheque Book request (on Address)
Stop Payment
Revoke Stop Payment
Cheque Status
Customer Education:
In order to buildup Customer Relationship and also to impart the necessary
information to customers following forms / brochures etc. should be used:
Application Form for Internet / SMS / Phone Banking along with Terms &
Conditions :: Annexure - 1 (A);
User Guide :: Annexure - 2 (A);
Opcodes:
The SMS messages sent by customers to Bank for enquiry & request need to be in a
specific format which is given below:
HELP
CHGPIN
Help on How to Use

Change SMS Banking
PIN
HELP
HELP <Message Code>
CHGPIN <New PIN> <Old PIN>
BALAVL <A/c no>
BALAVL
Balance Inquiry
For Primary A/c

BALAVL
LATRAN <A/c no>
LATRAN
Last 5 transactions
For Primary A/c

LATRAN
STMACC
Account Statement
STMACC <Start date> <End date>
Request [<Date> in
<A/c no>
<DD/MM/YY>]
For Primary A/c
CHQREQ <No of Leaves> <A/c

CHQREQ
Cheque Book Request
no>
For Primary A/c
CHQREQ <No of Leaves>
STPPAY <Chq no> <A/c no>
STPPAY
Stop Payment
<PIN>
For Primary A/c
STPPAY <Chq no> <PIN>
STPREV <Chq no> <A/c no> <
STPREV
Revoke Stop Payment
PIN >
For Primary A/c
STPREV <Chq no> <PIN>
CHQSTS
Issued Cheque Status

Inquiry
CHQSTS <Chq no> <A/c no>

For Primary A/c
CHQSTS <Chq no>
For e.g. To Know Your A/c Balance, send BALAVL as SMS to 9795244444
SYSTEMS & PROCEDURES:

For Customer
For filling up the application form to avail SMS Banking Services, receiving the
welcome kit and request for regeneration of password, the similar procedure
as of Internet Banking facility has to be adopted as prescribed in Part-A of
this circular.
The applicant has to mention Mobile No. in the Application Form for IB / SMS
/ Phone Banking (attached at Annexure 1 (A)).
The SMS Banking PIN will be dispatched by CBS Project Office to the
applicants address recorded with the Bank.
For Branch
The Branch will process the application form as per the procedure prescribed for
Internet Banking as mentioned in Part-A of this circular. However, branch has to
record all the details including Mobile Number in SMS banking Register, the Format
of which is provided below:
FORMAT OF SMS BANKING REGISTER
ALLAHABAD BANK
Branch:
Branch Code:
Date of
Application
Name of
CIF
Mobile
Primary
Processing of
Receipt
No.*
the
No.
No.
Account
Application
Applicant
No
Date
Journal
No.
(1)
New
(2)
(3)
Please ( )
Date of
for
Dispatch
Regeneration
(4)
(5)
(6)
(7)
(8)
to CBS
PROJECT
OFFICE
(9)
(10)
(11)
Menu Navigation: Allocation of SMS Banking to Particular CIF


In the field Option: from the drop down menu and Select 1: Customer
Details
Transmit
On transmission next Screen \\ SCR: 067108 Create/Amend Customer
In the field Mobile Number: Type Mobile number prefixing 91.
Other fields should be left blank and unaltered.
Transmit

Use and enter the same in the appropriate column of SMS Banking Register along with
the Date.

In the field Option: Select 9: Miscellaneous Details from the drop down
menu and
Transmit
On transmission next Screen \\ SCR: 067108 Create/Amend Miscellaneous
In the field Access Channels: Enter 05: Mobile Banking from the drop
down menu.
Note: Twenty (20) Access Channels are available. They should be utilized from left to
right sequentially.
Other fields should be left blank.

Transmit
Use and enter the same in the appropriate column of SMS Banking Register along with
the Date.
A Photocopy of the application has to be made. The photocopy of the Application

Form has to be retained in the Branch and the original has to be sent to CBS
PROJECT OFFICE through Courier/Registered Post. The date of dispatch should be
recorded in the SMS Banking Register. CBS Project Office will process the application
and dispatch the SMS Banking PIN to Customer at the address recorded with the
Bank.
Regeneration of SMS Banking PIN (Password)
Branch has to receive the written request from the customer for regeneration of PIN.
The Branch will verify the request, made the necessary entries in SMS Banking
Register and forward the same to CBS Project Office for regeneration of PIN. CBS
Project Office will regenerate the PIN and dispatch the same to the customer at the
address recorded with the Bank under intimation to Branch.
For CBS PROJECT OFFICE
After receiving the Application from the branch, CBS PROJECT OFFICE has to note
down the details in SMS Banking PIN Generation Register. The format of which is
given below:
FORMAT OF SMS BANKING PIN GENERATION REGISTER
ALLAHABAD BANK
Date of
Branch
Application
No.
Receipt
Code
Name
/Reference
CBS PROJECT OFFICE

Name of
CIF No.
The
Code:
Mobile
Primary
Processing of
No.
A/C no.
Application
applicant
Date
Reference
No.
(1)
(2)
(3)
(4)
Signatures with Name

Generated By
Authenticated By
No.
(5)
(6)
(7)
PIN Generation ( )
New
Regenerate
(8)
(9)
Date of
Remarks
Dispatch
(if Any)
To
Customer
(11)
(12)
(13)
(14)
(15)
(16)
Procedures to be followed here are the same as for Internet Banking. However,
after generation of SMS Banking PIN from the system, it should be dispatched to the
Customer at his/her address recorded with the Bank, after recording in the relevant
columns of the Register. Opcodes and other related documents of the Welcome Kit
should be sent to the customer.
Regeneration of SMS Banking PIN (Password)
The procedure as explained for regeneration of password for Internet Banking

should be adopted for regeneration of PIN for SMS Banking.
The regenerated PIN should be dispatched to the Customer at his/her address

recorded with the Bank.
(10)
Duties & Responsibilities for SMS Banking

Duties & responsibilities for SMS Banking would be same as applicable for
Internet Banking except that this facility / delivery channel would be
available to customers through Mobile. Only non-financial transactions are
permitted through this channel.
Duties & Responsibilities are subject to change from time to time subject to change
in:
The coverage and scope of the services offered under SMS Banking Channel;
Banks IT Security Policy & Procedures;
Banks Internet Banking Policy;
Directives from Regulatory Authorities
Annexure-1(A)
Allahabad Bank
(A Govt. of India Undertaking)
APPLICATION FOR INTERNET / SMS / PHONE BANKING

(For Individual)
To
The Branch Manager
I wish to register as a user of Allahabad Bank Internet Banking / SMS Banking / Phone
Banking Service.
CIF No.
Full Name
Address
Date of Birth :
D D
M M
Y Y
Pin Code :
Nationality
Tel. No. :
Mobile No.
Fax No. :
E-mail ID
My following accounts in your Bank may please be linked to the services indicated below. The first account may be considered
as the primary account.
S.
No.
Account Numbers
Facility needed for

Single /
SMS
Internet
Phone
Joint*
Accounts Banking Banking Banking
Financial
Transaction
Rights (Y/N)
* Rights for the above services will be same as that in your account at the branch.
I have read and understood the Terms & Conditions, Disclaimers and Privacy Policy of Allahabad Bank and I accept and agree
to be bound by the said Terms & Conditions and to any changes that may be made from time to time by the Bank at its sole
discretion including and limiting the Bank's liability. I agree that the transactions executed over the above mentioned delivery
channels (Internet,SMS or Phone) will be binding on me.
Place
Signature
Date
Mandate by Joint Account holders
We authorise ............................................................ to use the above mentioned services and link it with our Joint account (which has
its mode of operation as 'Either or Survivor', 'Former or Survivor') mentioned above on behalf of us. We have read and understood the
Terms & Conditions for INTERNET BANKING / SMS BANKING / PHONE BANKING and accept and agree to be bound by the same. We
hereby confirm that all transactions arising from the use of requested services in the joint account shall be binding on all the joint account
holders, jointly and severally.
A/c. No.
Name & Signature
Name & Signature
Name & Signature
For Branch Use

Application No. :
Branch Code :
Branch Name :
Certified that all particulars of the above customer have been verified and found to be correct. The
aforesaid account(s) are KYC compliant and have been linked to the requested channels at our end. We
recommend the request of the customer for Internet Banking/SMS Banking/Phone Banking facilities.
Date
Name of Authorised Signatory
Signature & Signature No.
Allahabad Bank
A tradition of trust
(A Govt. of India Undertaking)
Terms and conditions governing Internet Banking Service of Allahabad Bank

(For Individual)
1. Definitions:
In this document, the following words and phrases shall have the
meanings as set below unless the context indicates otherwise:
"ACCOUNT(S)" refers to the user's bank account, home loan account,
vehicle loan account, consumer durable loan account and/or any other
type of account (each account hereafter referred to as an "Account" and
collectively as "Accounts"), so maintained with Allahabad Bank are
eligible Account(s) for purposes of Internet Banking. One of these
Accounts shall be designated as the Primary Account and all other
Accounts, if any, of the user shall be referred to as Secondary
Account(s).
complying with Allahabad Banks credit parameters and submitting all

documents required by Allahabad Bank in a physical form to
Allahabad Bank. Allahabad Bank may in its sole discretion reject the
application for the facility by the User.
The Internet Banking Service is restricted to account holders and
Indian residents only and not offered in other jurisdictions.
The information provided to the User through the Internet Banking is

not updated continuously but at regular intervals. Consequently, any
information supplied to the User through Internet Banking will pertain
to the date and time when it was last updated and not as the date and
time when it is supplied to the User. Allahabad Bank shall not be liable
for any loss that the User may suffer by relying on or acting on such
"ALLAHABAD BANK" or BANK refers to Allahabad Bank, a information.
body corporate constituted under the Banking Companies (Acquisition
and Transfer of Undertaking) Act, 1970 and having its Head Office at Allahabad Bank may keep its records of the transactions in any form it
2, Netaji Subhas Road, Kolkata 700 001.
wishes. In the event of any dispute, Allahabad Bank's records shall be
binding as the conclusive evidence of the transactions carried out
"INTERNET BANKING" or "INTERNET BANKING SERVICE" through Internet Banking in the absence of clear proof that Allahabad
refers to the internet banking service offered by Allahabad Bank to the Bank's records are erroneous or incomplete.
user including services such as enquiry about balance in the Account,
details about transactions in the Account(s), statement of Account, Any request for any service, which is offered as a part of Internet
transfer of funds and any other service as Allahabad Bank may decide Banking, shall be binding on the User as and when Allahabad Bank
to provide from time to time through internet. The availability/non- receives such a request. If any request for a service is such that it
availability of a particular service shall be communicated to the user cannot be given effect to unless it is followed up by requisite
through email, web page of Allahabad Bank or in writing as may be documentation on part of the User, Allahabad Bank shall not be
deemed fit by Allahabad Bank. Such Internet Banking may be required to act on the request until it receives such documentation from
provided by Allahabad Bank directly or through its associates or its the User.
service providers.
In case of any request for a service relating to any foreign currency
"USER" or User refers to a customer of Allahabad Bank, authorised transaction made by the User, the exchange rates quoted by Allahabad
to use Internet Banking.
Bank shall only be provisional and shall be subject to future variations
in the exchange rate. The rate at which the transaction is given effect to
PAYER refers to the person who holds the Account which is would be the effective rate for all intents and purposes.
authorised for debit
The User shall ensure that Internet Banking or any related service is
"PAYEE refers to the person to whom User will transfer Fund(s).
not used for any purpose which is illegal, improper or which is not
"PERSONAL INFORMATION" refers to the information provided authorised under these Terms.
by the User to Allahabad Bank.
4. Internet Banking Access:
"TERMS " refer to Terms and Conditions for use of Internet Banking The User would be allotted a confidential Internet Banking User-id and
Service as specified in this document.
a set of secret passwords by Allahabad Bank in the first instance. The
BENEFICIARY REGISTRATION CONFIRMATION refers to User will be required to change the password assigned by Allahabad
confirmation of Payee Registration to whom User will transfer Fund(s). Bank on accessing Internet Banking for the first time. As a safety
measure, the User shall change the password as frequently thereafter as
"WEBSITE" refers to the website owned, established and maintained possible. In addition to User-id and password Allahabad Bank may, at
by Allahabad Bank or its service providers for and or on behalf of its discretion, advise the User to adopt such other means of
Allahabad Bank located at the URL https://www.allbankonline.in or authentication including but not limited to digital certification and/or
www.allbankonline.com.
smart cards. The User shall not attempt or permit others to attempt
In this document all references to the User being referred in masculine accessing the Account information stored in the computers of
Allahabad Bank through any means other than the Internet Banking.
gender shall be deemed to include the feminine gender also.
5. Unauthorised Access:
2. Applicability of Terms:
These Terms form the contract between the User and Allahabad Bank
for availing Internet Banking. The User shall apply to Allahabad Bank
in the prescribed form for use of Internet Banking. Allahabad Bank
shall be entitled at its sole discretion to accept or reject such
applications as may be submitted by the Users without assigning
reasons therefore. By applying for or availing Internet Banking, the
User acknowledges and accepts these Terms. These TERMS will be in
addition to and not in derogation of the TERMS and conditions relating
to any account of the User.
The user shall take all necessary precautions to prevent unauthorized

and illegal use of Internet Banking and unauthorized access to the
Accounts provided by Internet Banking. Allahabad Bank shall take all
commercially reasonable care to ensure the security of and to prevent
unauthorised access to the Internet Banking using commercially
reasonable technology available in India to Allahabad Bank.
6. Internet Banking Password:
The User acknowledges, represents and warrants that the password

which will be issued to him, provides access to the Account and that
3. Internet Banking:
User is the sole and exclusive owner and is the only authorised User of
For the purpose of availing Internet Banking, the User would need to the password and accepts sole responsibility for use, confidentiality
have legal and valid access to the Internet and Allahabad Banks and protection of the password, as well as for all orders and
Internet Banking Service. The User shall have the option of applying information changes (i.e. change of address) entered into Accounts
for facilities provided by Allahabad Bank on Internet Banking. The using such password. The User grants express authority to Allahabad
facility to a User shall be extended to the User subject to the User
Bank for carrying out transactions and instructions authenticated by Internet Banking which will be notified by Allahabad Bank to the user
such password.
from time to time. Any change in such service charges will also be
notified to the user. The user authorises Allahabad Bank to recover all
The User unconditionally undertakes to have Internet Banking charges related to Internet Banking as determined by Allahabad Bank
password of such number of letters/digits as may be notified by from time to time by debiting one or more of the Accounts.
Allahabad Bank from time to time and ensure that the same is kept
confidential; and to not let any unauthorised person have access to the Allahabad Bank may withdraw the provision of Internet Banking,
internet while the User is accessing the Internet Banking.
wholly or partly, if at any time the balance amount falls short of the
required minimum as aforesaid and / or if the service charges remain
If the User forgets the Internet Banking password or the Internet unpaid, without giving any further notice to the user and / or without
Banking Password gets locked after a number of incorrect attempts, incurring any liability or responsibility whatsoever by reason of such
upto such number as may be intimated by Allahabad Bank from time to withdrawal.
time, then the User may request for the issue of a new password
through the 24-Hour Phone Banking Service, Internet Banking 10. Funds Transfer through Internet Banking:
Channel or the Allahabad Bank Branch and this shall not be construed
as the commencement of a new contract. Such Password may be issued The User accepts that he will be responsible for keying in the correct
within such time as may be intimated by Allahabad Bank from time to account number for the fund transfer request. In no case, Allahabad
time. The User agrees and acknowledges that Allahabad Bank shall in Bank will be held liable for any erroneous transactions incurred arising
no way be held responsible or liable if the User incurs any loss as a out of or relating to the User entering wrong account numbers.
result of information being disclosed by Allahabad Bank regarding his The User shall not use or attempt to use the Internet Banking for funds
Account(s) or carrying the instruction of the User pursuant to the transfer without sufficient funds in the relative Account or without a
access of the Internet Banking and the User shall fully indemnify and pre-existing arrangement with Allahabad Bank for the grant of an
hold harmless Allahabad Bank in respect of the same.
overdraft. Allahabad Bank will endeavour to effect funds transfer
The User shall maintain the secrecy of all information of confidential transaction received through Internet Banking subject to availability of
nature and shall ensure that the same is not disclosed to any person sufficient funds in the Account and Confirmation of Beneficiary
intentionally, voluntarily, accidentally or by mistake. The User shall Registration by the User. Allahabad Bank shall specify from time to
comply with such guidelines, instructions or TERMS as Allahabad time the limit for carrying out various kinds of funds transfer or any
other services through Internet Banking. The said facility will be
Bank may prescribe from time to time with respect to the password.
provided as per conditions specified by Allahabad Bank from time to
7. Joint Accounts:
time.
In case of Joint Accounts, transactions through Internet Banking shall
be available if the mode of operation is indicated as 'either or survivor'
or 'former or survivor'. The User desirous of using the Internet Banking
should either be the Account holder and sole signatory or authorised to
act independently in case of a joint account. For such joint accounts,
one User-ID and password for Internet Banking will be issued to one of
the joint account holders when requested. The other joint account
holders shall expressly agree with the arrangement and give
undertaking on the application form for use of Internet Banking. In
case of joint accounts operated by more than one User, Allahabad Bank
shall act on the instruction received first and any subsequent instruction
shall not be considered. All correspondence will be addressed to the
first named person only. All transactions arising from the use of
Internet Banking in the joint account shall be binding on all the joint
account holders, jointly and severally.
8. Charges:
Allahabad Bank reserves the right to charge and recover from the user
service charge for providing the Internet Banking (including but not
limited to the right of charging the user for the use of funds transfer).
The user hereby authorises Allahabad Bank to recover the service
charge by debiting one or more of the Accounts of the user. Failure to
do so shall result in recovery of the service charge by Allahabad Bank
in a suitable manner along with interest, if any, and/or suspension of
the facility of Internet Banking without any liability to Allahabad Bank
and without any intimation to the User in this respect.
Allahabad Bank shall not be liable for any omission to make all or any
of the payments or for late payments due to circumstances beyond its
reasonable control including non-confirmation of Beneficiary
Registration. Allahabad Bank reserves the right to charge the User for
the use of funds transfer by giving due notice on the website about
such charges.
If funds transfer is made available to the user, it may be used for
transfer of funds from user account to his other accounts or to third
party accounts, maintained at Allahabad Bank or at any other Bank
which falls under the network of Reserve Bank of India's Electronic
Fund Transfer system.
11. Hot Payment Facility:
Allahabad Bank provides the facility of payment for transactions
executed on internet through different sites. Allahabad Bank will
execute such transactions only for the sites specified on its website
https://www.allbankonline.in or www.allbankonline.com and will be
responsible for transferring the amount debited to the customer to the
Account maintained by the Service Provider however it will not be
held responsible for any information content on any other site.
12. Application for Facilities through Internet Banking:
The User shall have the option of applying for facilities provided by
Allahabad Bank on Internet Banking. The facility to a User shall be
extended to the User subject to the User complying with Allahabad
Banks credit parameters and submitting all documents required by
9. Minimum Balance:
Allahabad Bank in a physical form to Allahabad Bank. Allahabad
The Bank may, at its discretion, stipulate at any time for maintaining Bank may in its sole discretion reject the application for the facility by
certain minimum balance or levy any charges for availing the Internet the User.
Banking services of the Bank. The user shall ensure that there are The User can check the availability of a pre-approved offer by
sufficient funds (or prearranged credit facilities) in any Account for Allahabad Bank to him through Internet Banking. The eligibility of a
transactions through the Internet Banking, and Allahabad Bank shall User for a facility provided by Allahabad Bank shall be decided by
not be liable for any consequences arising out of its failure to carry out Allahabad Bank. Any pre-approved offer by Allahabad Bank to the
the instructions due to inadequacy of funds and/or credit facilities User does not constitute grant of facility to the User and shall be
provided always that Allahabad Bank shall at its sole discretion, be subject to the User complying with Allahabad Bank's credit parameters
entitled to carry out the instructions notwithstanding such inadequacy and submitting all documents required by Allahabad Bank in a physical
without seeking the prior approval from or notice to the user and the form to Allahabad Bank.
user shall be responsible to repay with interest the resulting overdraft,
advance or credit thereby created and for all related to costs and 13. Authority to Allahabad Bank for Internet Banking:
charges.
The user irrevocably and unconditionally authorises Allahabad Bank to
Allahabad Bank may, at its discretion, levy penal charges for non- access all his Account(s) for effecting banking or other transactions
maintenance of the minimum balance. In addition to the minimum performed by the user through the Internet Banking. The instructions
balance stipulation Allahabad Bank may levy service charges for use of of the user shall be effected only when such instruction is in
accordance with the prescribed procedure.
Allahabad Bank shall have no obligation to verify the authenticity of

any transaction / instruction received or purported to have been
received from the user through Internet Banking or purporting to have
been sent by the user other than by means of verification of the Internet
Banking user-Id and the password.
The read-out, the faxed /email output or the printed output, if any, that
is received by the user at the time of operation of Internet Banking is a
record of the operation of the computer by the user and shall be
accepted as conclusive and binding for all purpose. All the records of
Allahabad Bank generated by the transactions arising out of the use of
the Internet Banking, including the time the transaction recorded shall
be conclusive proof of the genuineness and accuracy of the transaction.
While Allahabad Bank shall endeavour to carry out the instructions
promptly, they shall not be responsible for any delay in carrying on the
instructions due to any reason whatsoever, including due to failure of
operational systems or any requirement of law. All the transactions
arising through the use of the Internet Banking to operate a joint
account shall be binding on all the joint account holders, jointly and
severally.
14. Instructions:
16. Liability of the user and Allahabad Bank:

Allahabad Bank shall not be liable for any unauthorised transactions
occurring through the Internet Banking and the user hereby fully
indemnifies and holds Allahabad Bank harmless against any action,
suit, proceeding initiated against it or any loss, cost or damage incurred
by it as a result thereof. Allahabad Bank shall under no circumstance
be held liable to the user if the Internet Banking is not available in the
desired manner for reasons including but not limited to natural
calamities, legal restraints, faults in the telecommunication network or
network failure, or any other reason beyond the control of Allahabad
Bank. Under no circumstances shall Allahabad Bank be liable for any
damages whatsoever whether such damages are direct, indirect,
incidental consequential and irrespective of whether any claim is based
on loss of revenue, interruption of business or any loss of any character
or nature whatsoever and whether sustained by the user or by any other
person. Illegal or improper use of the Internet Banking shall render the
user liable for payment of financial charges as decided by Allahabad
Bank or will result in suspension of the operations through the Internet
Banking.
Notwithstanding anything contained in the terms, due to the nature of

Internet Banking, Allahabad Bank shall not be responsible for any loss
All instructions for Internet Banking shall be given, through computer or damage to the Users data, software, computer, telecommunication
or any other medium/channel enabled by Allahabad Bank for the or other equipment caused by using the Internet Banking.
purpose, by the User in the manner indicated by Allahabad Bank. The
User is also responsible for the accuracy and authenticity of the 17. Indemnity:
instructions provided to Allahabad Bank and the same shall be
considered to be sufficient to operate the Internet Banking. Allahabad In consideration of Allahabad Bank providing the user the Internet
Bank shall not be required to independently verify the instructions, and Banking, the user shall, at his own expense, indemnify and hold
the instruction shall remain effective till such time the same is Allahabad Bank, its directors and employees, representatives, agents
and/or the Affiliates, as the case may be, indemnified against all losses
countermanded by further instructions by the User.
and expenses on full indemnity basis which Allahabad Bank may
Allahabad Bank shall have no liability if it does not or is unable to stop incur, sustain, suffer or is likely to suffer in connection with Allahabad
or prevent the implementation of an instruction which is subsequently Banks execution of the user's instructions and against all actions,
countermanded. Where Allahabad Bank considers the instructions to claims, demands, proceedings, losses, damages, costs, charges and
be inconsistent or contradictory it may seek clarification from the User expenses as a consequence or by reason of providing a service through
before acting on any instruction of the User or act upon any such Internet Banking for any action taken or omitted or to be taken by
instruction as it deems fit. Allahabad Bank states that it has no liability Allahabad Bank, its officers, employees or agents, on the instructions
or obligation to keep a record of the instructions to provide information of the user. The user will pay Allahabad Bank such amount as may be
to the User or for verifying User's instructions. Allahabad Bank may determined by Allahabad Bank to be sufficient to indemnify it against
refuse to comply with the instructions without assigning any reason any such, loss or expenses even though they may not have arisen or are
and shall not be under any duty to assess the prudence or otherwise of contingent in nature.
any instruction and have the right to suspend the operations through the
Internet Banking if it has reason to believe that the User's instructions Further, the user agrees, at its own expense, to indemnify, defend and
will lead or expose to direct or indirect loss or may require an hold harmless Allahabad Bank, its directors and employees,
indemnity from the User before continuing to operate the Internet representatives, agents, and its Affiliates against any claim, suit, action
or other proceeding brought against Allahabad Bank, its directors and
Banking.
employees, representatives, agents, and Affiliates by a third party, to
Any instruction, order, direction, request entered using the password of the extent that such claim, suit, action of other proceeding brought
the User shall be deemed to be an instruction, order, directive, request against Allahabad Bank, its directors and employees, representatives,
received from the User. All instructions, requests, directives, orders, agents, and Affiliates is based on or arises in connection with the user
directions, entered by the User either electronically or otherwise, are of Internet Banking with reference to:
based upon the User's decisions and are the sole responsibility of the
User. The User understands that entering an instruction, direction, (i) a violation of the Terms contained herein by the user;
order, and request with Allahabad Bank, either electronically or (ii) any deletions, additions, insertions or alterations to, or any
otherwise, does not guarantee execution of such instruction, direction, unauthorized use of, Internet Banking by the user;
order, request. Allahabad Bank shall not be deemed to have received
any instruction, direction, order, request electronically transmitted by (iii) any misrepresentation or breach of representation or warranty
the User until it confirms the receipt of such instruction, direction, made by the user contained herein;
order, request.
or
15. Accuracy of Information:
(iv) any breach of any covenant or obligation to be performed by the
The user is responsible for the correctness of information supplied to user hereunder. The user agrees to pay any and all costs, damages and
Allahabad Bank for use of the Internet Banking / while using any expenses, including, but not limited to, reasonable attorneys' fees and
facility of Internet Banking or through any other means such as costs awarded against it or otherwise incurred by or in connection with
electronic mail or written communication. Allahabad Bank accepts no or arising from any such claim, suit, action or proceeding attributable
liability for the consequences arising out of erroneous information to any such claim.
supplied by the user. If the user notices an error in the information The user further indemnify, in case the password is forgotten or gets
supplied to Allahabad Bank either in the application form or any other locked after a number of incorrect attempts or accidentally divulged or
communication, he shall immediately advise Allahabad Bank which any other reason and a new password is allotted to him by the Bank at
will endeavour to correct the error wherever possible on a "reasonable his request; the bank and its successors or assigns against all action
efforts" basis. Be it stated that Allahabad Bank is not responsible/ proceeding claim, demand, cost, losses, expenses and liability
liable for the consequences arising out of erroneous information before whatsoever which may be brought or made against Bank and its
its correction as indicated before.
successors or assigns, its directors, employees, representatives, agents
and/or affiliates in consequences of issuing New Password to him
and shall keep the Bank harmless in case of any financial loss suffered
by t he Bank due to misuse of his Previous / New password by the user

or any third person and operate the Banks account or whatsoever by
way of availing Internet Banking facility of the bank, which may result
into loss to t he bank for issuing such Password.
time. The availability of the new services will be notified to the User as
and when they become available. Any changes to the Terms and
conditions due to introduction of new services will be communicated to
the User. By using any new services as may be introduced by
Allahabad Bank, the User shall be deemed to have accepted the
The user hereby agrees that under no circumstances, Allahabad Bank's changed Terms and Conditions applicable.
aggregate liability for claims relating to Internet Banking, whether for
breach of in tort (including but not limited to negligence) shall be 23. Non-Transferability:
limited to the transaction charges/fees or consideration paid by the user
within the previous twelve (12) months for Internet Banking, excluding The Internet Banking Service of the Bank shall be used only by the
User and is not transferable under any circumstance.
any amount paid towards transactions.
24. Termination of Internet Banking Service:
18. Disclosure of Information:
The User agrees that Allahabad Bank and/or their contractors may hold
and process his personal Information and all other information
concerning his Account(s) on computer or otherwise in connection
with the Internet Banking Service as well as for analysis, credit scoring
and marketing. The User also agrees that Allahabad Bank may
disclose, in strict confidence, to other institutions, such personal
Information as may be reasonably necessary for reasons inclusive of
but not limited to for participation in any telecommunication or
electronic clearing network, in compliance with a legal directive, for
credit rating by recognised credit scoring agencies, or for fraud
prevention purposes.
The user may request for termination of the Internet Banking any time
by giving a written notice of at least 15 days to Allahabad Bank. The
termination shall take effect on the completion of the fifteenth day. The
user will remain responsible for any transactions made through the
Internet Banking until the time of such termination.
Allahabad Bank may withdraw or terminate the Internet Banking
anytime either entirely or with reference to a specific service or user; or
in case of breach of Terms by the user without a prior notice; or if it
learns of the death, bankruptcy or lack of legal capacity of the user.
The closure of all accounts of the User will automatically terminate the
Internet Banking Service.
19. Banks Lien:
25. Notices:
To the extent of all outstanding dues, whatsoever, arising as a result of
using Internet Banking Service extended to and/or used by the User, Notices under these Terms may be given by Allahabad Bank and the
Allahabad Bank shall have the right of set-off and lien, irrespective of User:
any other lien or charge, present as well as future, on the
electronically to the mail box of either party. Such notices

deposits/scrips held in the Users Account(s) or in any other account,
will be regarded as being in writing
whether in single name or joint name(s).
in writing by delivering them by hand or by sending them by

20. Proprietary Rights:
post to the last address given by the User and in the case of
Allahabad Bank to its Head Office address as set out
Allahabad Bank shall make reasonable efforts to advise from time to
hereinabove. Allahabad Bank shall in no way be held
time the Internet software such as browsers which are required for
responsible for non receipt of the same.
availing of Internet Banking. There will be no obligation on Allahabad
Bank to support all or any versions of the Internet software as may be In addition, Allahabad Bank may also publish notices of general
required for offering Internet Banking. The user acknowledges that the nature, which are applicable to all Users in a newspaper or on its web
software underlying the Internet Banking as well as other Internet site located at www.allbankonline.in or www.allbankonline.com. Such
related software which are required for accessing Internet Banking are notices will have the same effect as a notice served individually to each
the legal property of the respective vendors. The permission given by User.
Allahabad Bank to access Internet Banking will not convey any
proprietary or ownership rights in any trade mark, logos, service rights 26. Governing Law:
or in any such software or reports / logs generated from such software.
The user shall not attempt to modify, translate, disassemble, decompile These Terms and/or the operations in the Accounts of the user shall be
or reverse engineer the software underlying Internet Banking or create governed by the laws of India. The Parties hereby agree that any legal
action or proceedings arising out of the Terms for Internet Banking
any derivative product based on the software.
shall be brought in the courts or tribunals at Kolkata in India and
21. Disclaimer of Warranties:
irrevocably submit themselves to the jurisdiction of such courts and
tribunals. Allahabad Bank may, however, in its absolute discretion,
The Client expressly agrees that use of the Website is at its sole risk. commence any legal action or proceedings arising out of the Terms for
The Website is provided on an "as is" and "as available" basis.
Internet Banking in any other court, tribunal or other appropriate
Except as warranted in the Terms, Allahabad Bank expressly disclaims forum, and the user hereby consents to that jurisdiction. Any provision
all warranties of any kind, whether express or implied or statutory, of the Terms for Internet Banking which is prohibited or unenforceable
including, but not limited to the implied warranties of merchantability, in any jurisdiction shall, as to such jurisdiction, be ineffective to the
fitness for a particular purpose, data accuracy and completeness, and extent of prohibition or unenforceability but shall not invalidate the
remaining provisions of the Terms or affect such provision in any other
any warranties relating to non-infringement in Internet Banking.
jurisdiction.
Allahabad Bank does not warrant that access to the Website and
Internet Banking shall be uninterrupted, timely, secure, or error free The user confirms to adhere to all applicable regulations & guidelines
nor does it make any warranty as to the results that may be obtained prevalent currently or issued in future by the Reserve Bank of India.
from the Website or use, accuracy or reliability of Internet Banking.
27. Applicability to Future Accounts:
Allahabad Bank will not be liable for any virus, malicious code /
contaminant that may enter the User's system as a result of the User
using Internet Banking. Allahabad Bank does not guarantee to the User
or any other third party that Internet Banking would be virus, malicious
code free.
22. Change of Terms and Conditions:
Allahabad Bank shall have the absolute discretion to amend or
supplement any of the Terms at any time and will endeavour to give
prior notice of fifteen days for such changes wherever feasible except
for changes to interest rates and/ or other variations that are subject to
market changes. The Bank may introduce new services from time to
Allahabad Bank and the User agree that if the User opens further
Accounts with/subscribes to any of the products/services of Allahabad
Bank, and Allahabad Bank extends the Internet Banking to such
Accounts or products or services and the User opts for use thereof, then
the Terms shall automatically apply to such further use of the Internet
Banking by the User.
28. General :
(a) The clause headings herein are only for convenience and do not
affect the meaning of the relative clause. Allahabad Bank may subcontract and employ agents to carry out any of its obligations under
this contract. Internet Banking service would be available to the users
during timings specified by Allahabad Bank from time to time and

transactions would be carried out on the same day or on the next
working day depending upon the time of logging of the transaction.
The user would have to ensure that the equipment used for availing of
Internet Banking meets the criteria as may be specified by Allahabad
Bank from time to time. All costs incurred by the user including
telecommunication costs to use the Internet Banking would be borne
by the user.
in one currency to another currency at a rate determined at the sole

discretion of Allahabad Bank.
29. Assignment: Allahabad Bank shall be entitled to sell, assign,

securities or transfer Allahabad Bank's right and obligations under the
Terms and any security being in favour of Allahabad Bank (including
all guarantee/s) to any person of Allahabad Bank's choice in whole or
in part and in such manner and on such terms and conditions as
Allahabad Bank may decide. Any such sale, assignment, securitisation
As a tool to correct misunderstandings, the user understands, agrees or transfer shall conclusively bind the user and all other persons. The
and authorises Allahabad Bank, at its discretion, and without further user, his heirs, legal representatives, executors, administrators and
prior notice to the user, to monitor and record any or all telephone successors are bound by the Terms. Allahabad Bank may sub-contract
conversations or electronic communications between the user and and employ agents to carry out any of its obligations under this
Allahabad Bank and any of its employees or agents.
contract. However, the user shall not be entitled to transfer or assign
any of his rights and obligations hereunder.
These terms and conditions contain Allahabad Bank's entire agreement
(except as otherwise expressly provided herein) and supersede and 30. Communications through Electronic means: Documents sent by
replace any previously made proposals, representations, understandings electronic delivery will contain all the information as it appears in the
and agreements, express or implied, either oral or in writing between printed hard copy version as prepared and distributed by the originator,
the user and Allahabad Bank for Internet Banking. The user with the possible exception of graphic insertions such as photographs
acknowledges that it has not relied on any representation made by or logotypes. Electronic delivery may be in the form of an electronic
Allahabad Bank or any of its employees or agents and has made its mail, an attachment to the electronic mail, or in the form of an
own independent assessment of Internet Banking. No third party will available download from the Website. Allahabad Bank would be
have any rights or claims under these terms and conditions.
deemed to have fulfilled its legal obligation to deliver to the user any
document if such document is sent via electronic means. Failure to
b) i) Allahabad Bank shall have the paramount right of set-off and lien, advise Allahabad Bank of any difficulty in opening a document so
irrespective of any other lien or charge, present as well as future on the delivered within twenty-four (24) hours after delivery shall serve as an
deposits of any kind and nature (including fixed deposits) held/ affirmation regarding the acceptance of the document.
balances lying in any accounts of the User/s, whether in single name or
joint name(s) and on any monies, securities, bonds and all other assets, 31. Privacy Policy: At Allahabad Bank (AB), we recognize the
documents and properties held by/ under the control of Allahabad Bank importance of protecting the confidentiality and security of any
(whether by way of security or otherwise pursuant to any contract personal information that we obtain from visitors of this web site. We
entered/ to be entered into by the User/s in any capacity) to the extent are strongly committed to safeguarding your privacy online and have
of all outstanding dues, whatsoever, arising as a result of any of established the following privacy policy that will apply to you, as a
Allahabad Bank's services extended to and/or used by the User/s and/or visitor of the site:
as a result of any other facilities that may be granted by Allahabad
You are not required to provide any personal information on

Bank to the User/s. Allahabad Bank is entitled without any notice to
this website unless you choose to do so. By submitting your
the User/s to settle any indebtedness whatsoever owed by the User/s to
personal information and pressing the 'submit' button, you
Allahabad Bank (whether actual or contingent, or whether primary or
consent to the content of this Privacy Policy and accept the
collateral, or whether joint and/or several) hereunder or under any
conditions set out herein;
other document/ agreement, by adjusting, setting-off any deposit(s)
We do not sell or rent personal information.

and/or transferring monies lying to the balance of any account(s) held
Employees of the Bank will not discuss the business affairs

by the User/s with Allahabad Bank notwithstanding that the deposit(s)/
of any client with any other employee, except on a strict
balances lying in such account(s) may not be expressed in the same
need-to-know basis
currency as such indebtedness. Allahabad Bank's rights hereunder shall
We do not release client information, except upon a client's

not be affected by the User/s bankruptcy, death or winding-up. It shall
authorization or when permitted or required by law.
be the User/s sole responsibility and liability to settle all disputes/
We will not sell your personal information to any third

objections with any such joint account holders.
parties. We will only share the information with such third
parties if and to the extent required by law or for regulatory
(ii) In addition to the above mentioned right or any other right which
purposes.
Allahabad Bank may at any time be entitled whether by operation of
This site may contain links to other sites. AB does not

law, contract or otherwise, the User authorises Allahabad Bank: (a) to
control the information collection of sites that can be reached
combine or consolidate at any time all or any of the accounts and
through links from this or any site controlled by AB. If you
liabilities of the User with or to any branch of Allahabad Bank; (b) to
have questions about the data collection procedures or
sell any of the User/s securities or properties held by Allahabad Bank
privacy policy of linked sites, please contact those sites
by way of public or private sale without having to institute any judicial
directly.
proceeding whatsoever and retain/appropriate from the proceeds
AB reserves the right to add, amend, revise, or suspend the

derived there from the total amounts outstanding to Allahabad Bank
privacy policy from time to time.
from the User/s, including costs and expenses in connection with such
sale; and (c) in case of cross currency set-off, to convert an obligation
I/we hereby declare that I/we have read the above terms & conditions and understood and accept them & agree to abide by it &
shall be binding on me/us.
______________________________________
Signature with
Seal (where applicable)
Annexure-1 (B)
ALLAHABAD BANK
BRANCH_____________________________________
Acknowledgement for Application of Internet / SMS/ Phone Banking

CIF NO.
NAME:
ADDRESS:
Application NO.: INB/

Date:
Dear Sir / Madam,

We extend our thanks for showing interest in our Banks Services and acknowledge the receipt of your
application for registration of our Internet Banking / Phone Banking / SMS Banking Facility. However,
this acknowledgement does not imply the acceptance of the form and grant of the facility.
For future correspondence please quote your CIF No. & Application No.
____________________
Authorized Signatory
Annexure 1(C)
Customer Feedback Form

(Please tick
whereever applicable)
1. Is the service available on all seven days in a week
without interruption?
Yes
No
Yes
No
Yes
No
Home
Office
Cyber Caf
Instantaneous
Reasonable
Poor
A/C Balance Status
Fund transfer
Status of Cheque
Stop Payment /
deposited
Revocation
Cheque Book
Change of
A/C Transfer
Issue
Address
2. User Guideline given to you by the Bank is
comprehensible without any ambiguity?
3. Do you keep your login password & transaction
password completely secret?
4. The place you normally access the Service from?

While on move
5. Response time to access the Service?
6. Which type of Service you avail most?
A/C Statement
7.
DD Issue
Any other
(Please specify)
Have you ever used the above Service through

GPRS in Mobile?
Yes
No
Excellent
Good
8. Overall assessment of the Internet Banking Service

Moderate
Poor
Brief Details of the Customer
Name of the Customer
Any other Suggestions :
Name of the Branch

where A/C maintained
Type of A/C
maintained
A/C Number
Annexure-1(D)
ALLAHABAD BANK
Incident Reporting From for INTERNET BANKING
Incident Tracking Number: AB/IB/
Date:
1. Contact Information for this Incident:
Name: CBS Project Office
Organisation: Allahabad Bank Title:
Phone No.: (022) 27836060
Fax No.: (022) 27833811
Email: cbscell@allahabadbank.co.in
Address: 5th & 6th Floor, CIDCO Banking-II, Plot No. 9 & 10, Sector 19A, Vashi, Navi Mumbai-400705
2. Sector : Banking
3. Physical Location of Affected Computer/Network and name of ISP:
4. Date and Time Incident Occurred:

Date:
Time:
5. Is the affected system/network critical to the organisation? (Yes/No). Details
6. Information of Affected System:
IP Address:
Computer/Host
Name:
Operating
System(incl.
Ver. Release
No.)
7. Unusual behaviour/ symptoms

System crashes
New user accounts/Accounting discrepancies
Failed or successful social engineering
attempts
New Files
Changes in file lengths or dates
Attempts to write to system
Data modification or deletion
Denial of service
Unexplained, poor system performance
Anomalies
Suspicious probes
Suspicious browsing
Door knob rattling
Unaccounted for changes in the DNS tables
, router rules, or firewall rules
Unexplained elevation or use of privileges
Last Patched/Updated
Operating of a program or sniffer device to

capture network traffic
Unusual time of usage
An indicated last time of usage of a user account
that does not correspond to the actual last time
of usage for that user
Unusual usage patterns
A system alarm or similar indication from an
intrusion detection tool
Unusual log file entries
Presence of new setuid or setgid files
Changes in system directories and files
Altered home pages, which are usually the
intentional target for visibility, or other pages on
the Web server
Presence of cracking utilities
Activity during non-working hours or holidays
1
8. Has this problem been experienced earlier? If yes, details
9. When and how was the incidence detected?
Hardware
Vendor/Model
10. Agencies notified?

Law Enforcement
Private Agency
Infected
Product Other___________
Vendor
11. Additional Information : (include any other details noticed, relevant to the Security Incident)
Whether log being submitted
Mode of submission
12. Type of Incident (If possible to decide at this stage)
IP Spoofing
Break-in
Intrusion
Root Compromise
Prank(s)/Hoax
Denial of service
Web Site Defacement

Virus/Malicious Code
User account Compromise
Email Spoofing
Email Bombardment/Spam
System Misuse
Social Engineering
Network Scanning/Probing
Technical Vulnerability
Other(Specify)____________
Optional Information
13. IP Address of Apparent or Suspected Source:
Source IP address:
Other information available
14. Security Infrastructure in place:

Name
OS
Version/Release
Last
Patched/Update
Anti-Virus
Intrusion Detection
Security Auditing Tools
Secure Remote
Access/Authorisation Tools
Access Control List
Packet Filtering /Firewall
Others
15. No. of Host(s) Affected
1 to 10
10 to 100
More than 100
16. Actions taken to mitigate the intrusion/attack:

No actions taken
System Binaries checked
Log Files examined

System(s) disconnected from
network
Restored with a good backup

Others________________
USER GUIDE
FOR
INTERNET / MOBILE / SMS
BANKING SERVICES
ALLAHABAD BANK INTERNET BANKING

SERVICES
Welcome to 24X7 Internet Banking Services of
Allahabad Bank.
The banking services are now
accessible by you from your home, office or while on
the move. The user guidelines appended below will
help you make the best use of this facility.
You have to go to https://www.allbankonline.in.
This will lead you to login page of the Internet
Banking. HTTPS provides the security thereby
ensuring that your information is secured and
confidential while traveling over the net. A pad lock
image in your Status Bar on the screen indicates
that you are working on a secured site. Allahabad
Bank Internet Banking Site is secured site under
certificate from IDRBT, Hyderabad. Browsers that
support 128-bit encryption are required to access
our Internet Banking facility. Internet Explorer 5.0 or
above (or) Netscape Communicator 4.7 or above,
offer this feature. In case you do not have the
required version, you may kindly upgrade your
browser.
To access the Internet Banking facility you need
(i) Your User ID i.e. CIF No. obtained from the
Bank.
(ii) Your login password and
(iii) Your transaction password
Allahabad Bank
(A Government of India Undertaking)
Head Office: 2, N. S. Road

KOLKATA 700001
Your CIF No. is your User Id. You must collect

your login password from the branch. Please
contact your branch for activation of your User
Id. Your Transaction Password is being sent to
you separately.
You need to remember and keep the passwords
always secret for security reasons. Do not reveal
your password to any one, not even to bank officials.
Please note to change your passwords (login as well
as transaction passwords) the first time you login to
Internet Banking.
You can get in touch with our Internet Banking
Team through the mail facility provided in your
Internet Banking account.
Website: http://www.allahabadbank.in
Internet Banking Website: https://www.allbankonline.in
SMS Banking No.: 9795244444
Phone Banking & Call Centre: 1800 22 6061 (Toll Free)
For any further information, you may also get in

touch with us at customercare@allahabadbank.co.in
Annexure- 2(A)
GUIDELINES FOR THE PERSONAL BANKING
You would be provided two Password Mailers, one

containing NetBanking Login Password and the
other NetBanking Transaction Password.
You
have to Log - in to the system using your User
ID and the NetBanking Login Password. Transaction
Password is required in certain options where
financial transactions are involved.
After the first login, the system takes you to change
login password screen for changing Login Password
and thereafter to change transaction password
screen for changing Transaction Password. Your
password should contain:
Minimum of 8 characters and maximum of 16

characters
Preferably, at least one numeric, one upper case

alphabet and one special character (space not
permitted)
Please note that the Login and Transaction Password

can not be same and you can not repeat your last
passwords.
You can also change the Passwords using change
password option, which is available separately in the
Menu.
After successful login, the system displays the Main
Menu. You can expand the Main Menu and opt the
submenus as per your requirement as under:
ACCOUNTS:
a) Account Summary:
Account Summary
Screen where all your accounts which are
Linked to Particular CIF are displayed
along with the current balance. By clicking
an account, you can see the account detail
which includes total balance, unclear
balance, available balance etc.
b) Transactions:
You can view, print and
download the last 14 transactions or
transactions for the specified period of the
selected account.
OFFLINE REQUESTS:
a) Deposit Account Opening: You can request
for deposit opening by selecting the account
from which the amount is to be debited and
by giving the deposit details.
b)
Deposit Amend/Renewal: You can request

for amendment of deposit account (only
Interest repayment mode, and Maturity
Instruction).
c) Closure of Deposit Account: You can
request for closure of deposit account by
giving the repayment details.
d) Demand Draft Issue: You can request for
issue of Demand Draft by giving the details
of Draft and delivery options.
e) Account Statement: You can request for
account statement by selecting account,
period of statement and delivery options.
f) Cheque Book Issue: You can request for
issue of cheque book in selected account
and delivery options.
g) Funds Transfer Facility: You can request
for Funds Transfer Facility (Transaction) in
an account by selecting account.
h) Account Transfer: You can request for
transfer of your account from one branch to
another branch (the types of account eligible
for transfer may be decided by the Bank).
i) Phone Banking: You can request for Phone
Banking Facility by giving one primary
account.
j) SMS Banking: You can request for SMS
Banking Facility by giving one primary
account.
k) Loan Account Opening: You can request for
a Loan by giving details of your loan type,
amount, period, annual income etc.
l) Request Status Enquiry: You can view the
status of a request already submitted by
giving request Id or date range or request
status. The present status of the request is
displayed (Processed/Pending/ Rejected).
REQUESTS (ONLINE):
a) Stop Payment: You can stop a single
cheque or range of cheques in selected
account by giving the reason.
b) Revoke Stop Payment: You can revoke stop
payment on cheques already stopped.
c) Change Contact No.: You can change your
phone no., mobile no., email etc
FUND TRANSFER:
a) Own Accounts: You can transfer funds
from one account (for which you have
b)
requested transaction facility) to your other

account to the extent of fund transfer limit
fixed by the bank time to time, subject to
available balance, by selecting from & to
accounts.
Beneficiary Accounts: You can transfer fund
from your account to any other third party
account maintained with any of our CBS
Branches to the extent of fund transfer limit
c)
d)
fixed by the bank time to time, subject to

available balance, by selecting your account
and giving either third partys account
number or selecting a beneficiary.
Add Beneficiary: If you have to transfer
amount frequently to a particular account,
you can add that account in your beneficiary
list by providing a nick name to the account.
View Beneficiary:
You can view all the
beneficiaries you have added and modify
details of a beneficiary by selecting that
beneficiary.
Standing Order:
You can give standing orders for transfer of
funds from one account to another, to be
executed
on
a
predefined
frequency
(daily/monthly/month end). You can also
amend or cancel the standing order so
given.
E-PAYMENT:
Using E-Payment facility, you can pay Direct
(CBDT) and Indirect (CBEC) Taxes by debiting
your account online. You can print cyber
receipt and challan.
ENQUIRY:
a) Cheque Enquiry: You can enquire status of a
cheque or range of cheques issued in an
account.
b) Cheque Book Enquiry: You can enquire for
cheque books issued in an account.
c) Outward Cheques Enquiry: You can enquire
status of a specific cheque or all cheques
deposited in an account.
d) TDS Detail: You can view the TDS Details in
your account.
MODELLING:
a) View EMI: You can view the EMI for selected
Loan Product for a given amount and loan
period.
b)
Deposit Modelling: You can view the

maturity amount for selected Deposit Product
for a given amount and deposit period.
MAILS:
You can send and receive mails to and from
Internet Banking Administrator.
OPTIONS:
a) Contact Details: You can view your contact
details.
b) Change Login Password: You can change
your logon password.
c) Change Transaction Password: You can
change your transaction password.
d) Change User Preference:
i) You can change your User Id. Please
note that you can change it only once.
ii) You can set your display preference.
e) Login History: You can view your login
history.
Please note that some of the above facilities

may not be available presently. Please refer our
Internet Banking website for presently available
facilities.
Forgot Password? Dont worry. You may

request for regeneration of password in the
following two ways:
a) By submitting a written request to your
branch
b) Through Online request from the Internet
Banking website by clicking on Forgot
Password link on Login screen under
Personal Banking. After submitting the
required details, a reference no. will be
generated, which you may please note
down for future reference.
After regeneration of Password (Login or/and
Transaction), the Login Password will be sent to your
branch from where you have to collect and ask the
branch for activation. The Transaction Password will
be sent to your address recorded with the Bank and
on receipt of the same you are required to send a
mail to Internet Banking Administrator using the
Internet Banking facility, for activation.
You may adopt similar procedure in case

you forget SMS Banking or Phone Banking PINs.
Tips for Safe Banking

MOBILE (WAP) BANKING
Allahabad Bank has always endeavoured to provide
its customers services par excellence. In order to
extend our services further, we have started Mobile
Banking for the customers who are enjoying our
Internet Banking service. You may check your
balance and take mini statement for the accounts
which are enabled for Internet Banking.
For availing this facility, you need not apply for
additional User ID and Password. Your User
ID/password which are valid for Internet Banking
would remain valid for Mobile Banking as well.
Website address for this facility remains the same as
that for Internet Banking.
a)
b)
c)
d)
Please ensure that your mobile hand set is GPRS

enabled.
Please check out the facilities which are available on
Mobile Banking:
Balance Inquiry
Mini Statement (last 5 transactions)
Statement Request
Cheque Book Request
Stop Payment
Cheque Status
Fixed Deposit Inquiry
e)
f)
g)
h)
i)
Enjoy doing business with
Allahabad Bank
b. Always
i)
Choose your new Password / PIN

carefully, if you change your Password /
PIN;
ii) Memorize your Password / PIN or other
security information, and destroy the
written communication as soon as you
receive it;
iii) Take reasonable steps to keep Password
/ PIN or other security information
secret at all times;
Online banking is safe and convenient as long as you

take a number of simple precautions as mentioned
below:
Visit our Internet Banking site directly. Avoid
accessing the site through a link from another
site or an email and verify the domain name
displayed to avoid spoof websites.
Ignore any e-mail asking for your password or
PIN and inform us of the same immediately.
Neither the police nor the bank will ever
contact you for your online banking or payment
card PINs, or your password information.
We advise you not to use cyber cafes / shared
PCs to access our Internet Banking site
We advise you to update your PC with latest
anti-virus and anti-spy ware software regularly.
You may install security programmes to protect
against hackers, virus attacks or malicious
Trojan Horse programmes. A suitable firewall
installed in a computer to protect your PC and
its contents from outsiders on the Internet is
recommended.
Disable the File and Printing Sharing feature
on your operating system.
Log off your PC when not in use.
Do not store your ID/PIN in the Internet
Explorer Browser.
Check your account and transaction history
regularly.
Follow our advice- our websites are usually a
good place to get help and guidance on how to
stay safe online.
Taking care of your Passwords / PINs and other

security information by you, is also essential to help
prevent fraud and protect your accounts.
c. In the event that someone else knows your
Password
/
PIN
or
other
security
information, we will, on your notifying us,
take immediate steps to try to prevent these
from being misused.
d. It is essential that you tell us as soon as you

can if you suspect or discover that someone
else knows your PIN, password or other
security information.
e. You could tell us about the loss by phone at

our 24 hour toll free number given to you
and send us a written confirmation to that
effect immediately. Alternatively, you may
advise us by email so that we can take the
appropriate action immediately.
f.
Do not hesitate to call us whenever you

suspect that your account has been used
fraudulently.
Please make sure that you follow the advices as given

below:
a.
Do not
i)
Allow anyone else to use your Password /
PIN or other security information;
ii) Write down or record your PIN, password
or other security information;
iii] Give your account details password or
other security information to anyone;
ALLAHABAD BANK SMS BANKING SERVICES

Allahabad Bank has brought its customers a unique
way of enquiring their accounts and giving their
requests in the form of SMS messages. You may do this
while on move and experience our true Anywhere, Any
time Banking facilities.
The small little mobile in your hand has turned into a
smart machine and becomes a gateway to all your
queries to your accounts maintained with us when you
are away from internet and other infrastructure.
Just type your enquiry / request in the form of
predefined SMS (mentioned overleaf) and send to
9795244444. In the matter of seconds, you would get
the response.
Please note that the SMS messages need to be sent in a

predefined and structured format indicated below:
HELP
CHGPIN
Help on How
to Use
Change SMS
Banking PIN
Balance
BALAVL
LATRAN
Inquiry
Last 5
transactions
Account
Statement
STMACC
Request
[<Date> in
<DD/MM/YY>]
Yes, it is that simple !!!!

Do not hesitate to use the above facility from your
mobile. Since your mobile number is registered with us,
the information about your accounts will be available
only on your mobile number. PIN is the password
needed with STPPAY & SPTREV messages for
additional security.
The services we offer under this facility are:
Help on Usage
Change PIN (Password)
Balance Enquiry
Mini Statement request (Last 5 transactions only)
CHQREQ
Cheque Book
Request
HELP
HELP <Message Code>
CHGPIN <New PIN> <Old PIN>
BALAVL <A/c no>
For Primary A/c
BALAVL
LATRAN <A/c no>
For Primary A/c
LATRAN
STMACC <Start date> <End date> <A/c
no>
For Primary A/c
CHQREQ <No of Leaves> <A/c no>
For Primary A/c
CHQREQ <No of Leaves>
STPPAY <Chq no> <A/c no> <PIN>
STPPAY
Stop Payment
For Primary A/c

STPPAY <Chq no> <PIN>
STPREV
Revoke Stop
Payment
STPREV <Chq no> <A/c no> < PIN >

For Primary A/c
STPREV <Chq no> <PIN>
CHQSTS
Issued Cheque
Status Inquiry
CHQSTS <Chq no> <A/c no>

For Primary A/c
CHQSTS <Chq no>
Statement Request (on Address)
For e.g. To Know Your A/c Balance, send BALAVL as SMS to
Cheque Book request (on Address)
9795244444
Stop Payment
Revoke Stop Payment
Cheque Status
Please also note that:1) On receipt of your PIN, first change your PIN
(4 digit number) using CHGPIN message.
2) For any enquiry or request on a Primary
Account, you need not mention the Account
Number in the above SMS.
3) You are advised NOT to store PIN or messages
containing PIN in your Mobile.
ANNEXURE - 2(B)
Internet Banking FAQs

What are the transactions that I can do ?
What are the other delivery channels?
What are the different Banking Services in Internet Banking?
What are the different kinds of Fund Transfer in Internet Banking?
What are the formalities to access an Internet Banking Facility?
I have not received my user id and password?
How do I enable the Online Banking after getting the user id and
passwords?
Can I use a Laptop to access Allahabad Bank Internet Banking?
What are the system requirements I need to access Allahabad Bank
Internet Banking?
Getting slow response when I am accessing the Allahabad Bank
Internet Banking. Why?
How can I clear my browser cache?
How can I disable the Auto Complete option in the browser?
What is 128-bit Secure Socket Layer?
How can I enable my browser to use 128-bit encryption?
What is a Digital Certificate and how does it help to ensure security?
What is a firewall and how does it protect my information?
How can I recognize that the web page is secured?
How is my information transmitted safely over the Internet?
How can I recognize a spam e-mail?
What should I do if my Internet Explorer frequently hangs?
What is my role in enhancing security of Internet Banking transactions?
What are the transactions that I can do?

The customer can do the following transactions
Balance Enquiry
Transaction History
Fund Transfers
Off-line and On-line Requests
CBDT e-Payment
CBEC e-Payment
Top
What are the other delivery channels?

Mobile Banking
SMS Banking
Phone Banking
ATM
Top
What are the different Banking Services available?

o Request for a Cheque Book issue
o Stop Payment on a specific Cheque
o Cheque Status Enquiry
o Request for SMS Banking
o Request for Phone Banking
o Standing Instructions for Fund Transfer
o Cancel the Standing Instructions
o Mails
Top
What are the different kinds of Fund Transfer available?

Transfer funds to your own linked A/C
Transfer funds to any other A/C in any CBS branch of
Allahabad Bank
Top
What are the formalities to access an Internet Banking

facility?
You have to collect the Internet Banking Application Form
from the Branch or may download from our Internet Banking
site and submit the filled-in form to the Branch. A Welcome
Kit will be sent to you by post. You have to collect your login
password from the branch. The transaction password will be
sent to you separately by post.
Top
I have not received my user id and password?

Please contact the branch.
Top
How can I enable the Online Banking after getting the User
ID and Password?
Login using the User id and login password.
After the first login you MUST CHANGE the Login

Password and Transaction Password.
Top
Can I use a Laptop to access Allahabad Bank Internet

Banking?
The Laptop should meet all the system specifications required
by the Allahabad Bank Internet Banking. Then only you can
use your Laptop to access Allahabad Bank Internet Banking.
Top
What are the system requirements for accessing Allahabad

Bank Internet Banking?
Minimum PIII Processor
128 /256 MB RAM
Operating System: Windows 98 and above
Internet connection through a service provider
Browsers: Internet Explorer 5.0 and above, Netscape Navigator
Getting slow response when I am accessing the Allahabad
Bank Internet Banking. Why?
o You are not using the recommended browser, operating
system and hardware.
o Your Internet Service Provider, Local Area Network may
be facing sporadic slowness.
Top
How can I clear my browser cache?
9 Internet Explorer
Go to Tools
Go to Internet Options
Select General
Click on Delete Files at Temporary Internet
Files
9 Netscape Navigator
Go to Netscape or Edit
Go to Preferences
Double click on Advanced
Select Cache
Click on Clear Memory Cache and Clear Disk
Cache
Top
How can I disable the Auto Complete option in the browser?

Open Internet Explorer
Go to Tools
Select Internet Options and then select Contents
Under "Personal Information", click on "Auto
Complete"
Uncheck "User names and passwords on forms" and
click on "Clear Passwords".
Click OK
Top
What is 128-bit Secure Socket Layer?
It is a secure session protocol used to encrypt sessions between

browsers and the web server to prevent sensitive application data
being intercepted. SSL provides a secure channel for data
transmission over the Internet. It allows for the transfer of digital
signatures to authenticate users and provides message integrity,
ensuring that your data cannot be altered on route. Browsers can
also display a certificate to the user about the source of a secure
transmission.
This
assures
Internet
users
that
they
are
communicating with the financial institution's service provider

and not a third party trying to intercept the transaction on the
Internet.
Applications that use this protocol know how to encrypt and
decrypt data traveling between two SSL ends. To send an SSL
connection, however, or to open a secure connection, your
application must first have an encryption key assigned to it by
a Certification Authority. Once it has a unique key of its own,
you can establish a secure connection with every other
application that can "speak" the SSL protocol.
Top
How can I enable my browser to use 128-bit encryption?

Depending upon the browser you are using you can check
whether 128-bit SSL is being used in the following ways:
9 Microsoft Internet Explorer
Move your mouse over the security lock icon at

the Lower-right corner. A tool-tip of "SSL secured
(128-bit)" should pop up if you are connected using
128 Bit SSL; OR
From the 'File' menu in the toolbar, select
'Properties'. "Connection" with "SSL 3.0, RC4 with
128-bit encryption (High); RSA with 1024 bit
exchange" is shown if you are connected using 128
Bit SSL.
9 Netscape Navigator
Click 'Security' in the toolbar. A Security Info'
window will be displayed. Click Open page info.
The message displayed should be: "This is a secure
document that uses a high-grade encryption key for
US domestic use only (RC4, 128-bit)"
If you find that 128-bit encryption is NOT being used in the Netscape
Navigator browser, you should configure the settings in the browser
to ensure 128-bit encryption.
Click 'Security' in the toolbar
Click 'Navigator' in the left column
Click 'Configure SSL v3' on the right of Enable SSL (Secure
Sockets Layer) v3'
Enable all ciphers except 'No encryption with an MD5 MAC'.
Top
What is a Digital Certificate and how does it help to ensure

Security?
Digital certificates are issued by certification authorities to
authenticate a Web site or elements of Web sites. The certificate
identifies the originator of the site, or element, and verifies that
it has not been tampered with. When your Web browser is
presented with a certificate, it will check to see if a legitimate
certification authority issued the certificate. If there is a match,
your session will continue. Otherwise, your browser will issue
a warning and your safest action is to cancel your activity
Top
What is a firewall and how does it protect my information?

A firewall is a system or group of systems that enforces an
access control policy between two networks. It is used to protect
the system and the information. Our firewalls use a
combination of industrial strength computer hardware and
software that is designed to securely separate the Internet from
our Internal Web servers, computer systems, networks and
databases. During your secure online sessions firewalls prevent
unauthorized Internet traffic from entering our Web servers,
systems and network.
Top
How can I recognize that the web page is secured?

Check the two indications
Is the URL start with https? Generally the URL of
websites starts with http. But for our Internet Banking it
starts with https.
Is the LOCK icon present in the lower-right corner of the

browser window? It is the de facto standard among web
browsers. You can see the sites security details on
clicking the LOCK icon.
Top
How is my information transmitted safely over the Internet?

Web browsers use standard security protocols like SSL, and SHTTP for secure transmission of private information over the
Internet. When you visit a Web site with the SSL protocol, a
secure connection is created between your computer and the
Web site server you are visiting. Once this connection is
established, you can transmit any amount of information to the
Web server safely. In contrast, the S-HTTP is designed to
transmit individual messages.
Top
How can I recognize a spam e-mail?
Fake emails ask you for your personal security details such as
A/C number, Credit card number, passwords and PIN
numbers etc. It appears to be from a legitimate source. Some
fake mails promise prizes or offers job. Some fake mails direct
you to counterfeit sites. Very often these fake mails may contain
some spelling mistakes in URL.
Top
What should I do if my Internet Explorer frequently hangs?

Upgrade your browser with most recent fixes and patches
from Microsoft. Keeping your browser updated is also
important for the smooth running of the Internet Banking
facility.
Top
What's your role in enhancing security of your Internet

Banking?
9 Update your PC with latest anti-virus and operating
system patches.
9 Install personal firewall and anti-spy ware to protect your
PC from internet attacks.

9 Dont reveal your Internet Banking user-id and
passwords to any one or write it down.
9 Always exit using the Logout button.

9 Change your Internet Banking passwords regularly.
9 Report any suspicious or fraudulent e-mail/sites to the
bank immediately.
9 Always read the online security tips provided by the
bank from time to time

9 Dont leave your Internet Banking session unattended
at any time.
Top
ANNEXURE 2 (C)
Privacy Policy
At Allahabad Bank (AB), we recognize the importance of protecting the
confidentiality and security of any personal information that we obtain from
visitors of this web site. We are strongly committed to safeguarding your privacy
online and have established the following privacy policy that will apply to you, as
a visitor of the site:
You are not required to provide any personal information on this website
unless you choose to do so. By submitting your personal information and
pressing the 'submit' button, you consent to the content of this Privacy
Policy and accept the conditions set out herein;
We do not sell or rent personal information.
Employees of the Bank will not discuss the business affairs of any client
with any other employee, except on a strict need-to-know basis
We do not release client information, except upon a client's authorization

or when permitted or required by law.
We will not sell your personal information to any third parties. We will
only share the information with such third parties if and to the extent
required by law or for regulatory purposes.
This site may contain links to other sites. AB does not control the
information collection of sites that can be reached through links from this
or any site controlled by AB. If you have questions about the data
collection procedures or privacy policy of linked sites, please contact
those sites directly.
AB reserves the right to add, amend, revise, or suspend the privacy

policy from time to time.
***
ANNEXURE 2 (D)
Disclaimer Clauses
E-mail Disclaimer Clause
Notice: The information contained in this e-mail message and/or attachments to it
may contain confidential or privileged information.
If you are not the intended
recipient, any dissemination, use, review, distribution, printing or copying of the

information contained in this e-mail message and/or attachments to it are strictly
prohibited.
If you have received this communication in error, please notify us by
reply e-mail or telephone and immediately and permanently delete the message and
any attachments. Thank you
Web site Disclaimer
HYPERLINKS/THIRD PARTY'S INFORMATION OR CONTENTS
The Bank may include in the Bank's portal contents proprietary to and originating
from other parties or entities ('Third Party's Contents') and/or hyperlinks or web sites
that are owned or operated by third parties. Such linked web sites or Third Party's
Contents are not under the control or verification of the Bank and/or its subsidiaries
and the Bank and/or its subsidiaries shall not accept responsibility for the
consequences of relying upon or accessing any such Third Party's Contents and any
such linked web site or any link contained in a linked web site. Furthermore, the
hyperlinks and the Third Party's Contents provided in this web site or Bank's portal
shall not be considered or construed as an endorsement or verification of the Third
Party's Contents or of such linked web sites or the contents therein by the Bank
and/or its subsidiaries. The user of the Bank's portal or the Bank's customer hereby
agrees that his/her access to and/or use of such Third Party's Contents and linked
web sites is entirely at the user or the Bank's customer's own risk and subject to the
terms and conditions of access and/or use contained therein.
DISCLAIMER
Notwithstanding that reasonable measures will be taken by the Bank and the Bank's
subsidiaries to ensure the accuracy and validity of all information relating to
transactions and products of the Bank and the Bank's subsidiaries and other parties,
the Bank hereby disclaim all responsibility and liability whatsoever in respect of any
consequences damage or loss suffered by any user of the Bank's portal or the Bank's
customer notwithstanding that the same may have been caused by or attributable to
any error, default, omission or negligent act on the part of the Bank and/or the
Bank's subsidiaries. Subject to the foregoing, the information and materials
contained in or accessed through the Bank's portal or web site are provided on an
"as is" and "as available" basis and are of a general nature which have not been
verified, considered or assessed by the Bank and/or its subsidiaries in relation to the
making of any specific investment, business, financial or commercial decision. Such
information and materials are provided for general information only and the user of
the Bank's portal or Bank's web site should seek professional advice at all times and
obtain independent verification of the information and materials contained herein
before making any decision based on any such information or materials.
The Bank and its subsidiaries do not warrant or represent that access to the whole
or part(s) of this Bank's portal or web-site, the materials, information and/or
functions contained therein will be provided uninterrupted or free from errors or that
any identified defect will be corrected, or that there will be no delays, failures, errors
or loss of transmitted information, that no viruses or other contaminating or
destructive properties will be transmitted or that no damage will occur to the
customer's or the user's computer system and the Bank and its subsidiaries hereby
further disclaim all responsibility or liability in respect of any claims based on or
arising from any of the aforementioned events or incidents notwithstanding that the
same may have been caused by or attributable to the act, error, default negligence
of the Bank and/or its subsidiaries.
***
ANNEXURE 2 (E)
SAFETY & PROTECTION FROM FRAUDS

Beware of the Different types of Frauds:
Online Frauds
Online fraud occurs when someone poses as a legitimate company / link in order to
obtain sensitive personal data and illegally conducts transactions on your existing
accounts. The most current methods of online fraud are usually through fake emails,
Web sites
and pop-up windows.
Phishing:
Phishing is a technique used for illegally capturing the personal information such as
Account Number, Internet Banking Passwords etc. The most frequently used method is
to send spam mails to the users e-mail id. The Spam mail exactly looks like an e-mail
sent by a legitimate authority. The e-mail simply asks the recipient to click on a link and
enter their user id and password.
Never click on any such link and never enter your login id and password
without verifying the authenticity of the web page. Also never copy link
address and paste in the browser to open the website.
Your email address can be obtained from publicly available sources or through randomly
generated lists. Therefore, if you receive a fake email that appears to be from Allahabad
Bank, it does not mean that your email address, name, or any such information has
been taken / derived from our system.
IMPORTANT: Allahabad Bank does not ask for personal security details like
your Internet banking or phone banking passwords on the email, phone or
otherwise.
Never disclose your password to anyone, not even to the bank's staff.
In case you get an email asking you to enter your personal security details or a Bank
staff approaches you to disclose your password, please report to us. You can send an
email to customercare@allahabadbank.co.in
Be cautious about the fake e-mails asking for your personal security details.
Some fake e-mails may offer jobs or prize and you may be asked to provide your
personal information such as credit card number, PIN number, passwords etc. Never get
lured by such emails.
Some fake emails may also contain a virus known as a Trojan Horse that can record
your keystrokes or could trigger background installations of key logging software or
viruses onto your computer. The virus may be in an attachment or can be activated via a
link in the email.
You should not respond or download or click on link or attachment on these

unsolicited mails without verifying the authenticity. Fake mails may direct you
to counterfeit website which looks like your valid site.
Offline Fraud
Offline fraud incidents take place as a result of theft of your mail, sensitive information
related to your bank or credit card accounts, stolen ATM / Debit / Credit cards, forged/
stolen Cheques etc. You can protect yourself from such instances by exercising caution
while receiving, storing and disposing your account statements as well as your
Passwords, PIN numbers, Cheques, ATM /Debit, and Credit Cards.
Cyber Cafe Security
Avoid the use of Cyber Caf or sharing PCs for your Online Banking. When you
are accessing your Internet Banking site from Cyber Cafe you must be very careful about
your passwords. You must change your passwords from your own PC at workplace or at
home after such use.
To save you from such incidents when you work from Cyber Caf, Allahabad
Bank Internet Banking Web Site would display a keyboard on the screen for
you to key-in your password. Please remember to type your password
through this keyboard using mouse only.
In the interest of safe Internet Banking, user is advised to ensure that cyber caf /
shared PC is secure with latest antivirus update, updated anti spyware, should be free
from key loggers and cookies & cache memory should be deleted after end of Internet
Banking session.
Allahabad Bank is NOT responsible for any loss arising from your casual
actions such as sharing of user ids, passwords and PIN numbers etc.
Secure Banking
Keeps your Internet banking User ID and password secret and hard to guess. Then only
we can facilitate a secure Online Banking environment.
Allahabad Bank offers several security features for its Internet Banking
Robust Firewall protection
128 bit secure socket layer
Digital Certificate
Two levels of passwords for Online Banking i.e., login password and transaction
password
Features of our Internet Banking

Secure
When you have logged in successfully, your Web browser will establish a secure SSL
connection between your computer and our Web servers. SSL is the industry standard
that provides secure access to online financial services from anywhere on the Internet
using any current Internet Browser. This will allow you to communicate with us privately
and to carry out online transactions securely.
Number of Login Attempts:
If you are failed to prove your identity then you cant access our Internet Banking
Service. After three unsuccessful login attempts our system will automatically block your
password. To re-activate your password contact the Bank immediately. After
authenticating yourself, you can place your request for re-activation of your password.
In case you have forgotten your Internet Banking passwords, you can request for reissue of the passwords by clicking on the Forgot Password option on the log-in page.
Timed Logout
Time out session feature is also configured in our system to protect your accounts
from unauthorized access. If you login and leave your Online Banking Session inactive
for a specified period of time, the session will be terminated automatically. If your
session terminates automatically, you can login again to continue your activities.
Expiry of passwords
Your Internet Banking passwords will expire after a specific period of time as per Banks
Policy. If you are not changing the passwords within that time frame, your passwords
will expire. This is also for ensuring secure Online Banking. Your Passwords can be reissued upon your request.
Internet Banking Tips

Keep the secrecy of your passwords. Dont disclose your passwords to any
one including Bank staff or write it down. Never share the passwords with your
family members or friends.
Type the address of the Internet Banking site in the address bar at all
times. Visit our Internet Banking site directly. Avoid accessing the site through a
link from another site or an email and verify the domain name displayed to avoid
spoof websites. You can type the site address directly or you can select it from
your stored list of favourites.
Change your passwords regularly. This will enhance the security of your
Online Banking.
Check your Account details frequently. Review and verify your account
summary and transaction details carefully.
Never leave your Internet Banking session unattended at any time.
Always Logoff from the Internet Banking site using the Logout button and also
disconnect the Internet after the session.
Be attentive against the frauds. Ignore any e-mail asking for your password
or PIN and inform us of the same for us to investigate the same. We will never
ask you to reveal your online banking or payment card PINs, or your password
information. Dont click any unknown links that may direct you to counterfeit
sites.
Do not store your user id or passwords in the Internet Explorer
Browser. Disable the Auto complete option and clear the browser cache
Never use cyber cafes / shared PCs to access our Internet banking site.
If you are using cyber cafes / shared PCs for your Online Banking, change your
Internet Banking passwords from your own PC at home or at work place after
the session.
Always use the mailbox. When you are communicating with the Bank, use the
secure mailbox in our site.
Password Protection
Destroy the Password mailer after memorizing it and/or change the

password after the first usage
Change your Internet Banking Passwords (both Login and Transaction)

after your first login and from then onwards regularly
Create
and
maintain
different
passwords
for
Login
and
for
Transactions. This offers added security for financial transactions

through Internet Banking.
Try to avoid passwords that are real words. Use cryptic words as
passwords.
Do not use a password that contains part of your User ID or account

number.
Don't use passwords that are obvious, like your name/ nickname,
names of family members, your address, phone number etc.
Your password should be complex and difficult for others to guess. Use
letters, numbers and special characters [such as!, @, #,$, %, ^, &,* (,
)] in your passwords. These increase the security of the passwords.
Never reveal passwords to any one including Bank staff or family

members
If your login IDs or passwords automatically appear in the sign-in page

of a secure Web site, you should disable the Auto Complete and
Remember Password on this machine function to ensure the security
of your information.
PC Protection
A personal firewall will help you to protect your system from intrusion. Firewalls acts
as a fence between your computer and the rest of the Internet. A firewall can be a
hardware device, a software application or a combination of the two. Firewalls can
prevent malicious attacks and block certain types of data from entering your computer or
private network. They can also be set up to alert you if anyone tries to access your
system.
Update your PC with latest Anti-virus software. This will protect you from Code
Contaminants like virus, Trojan horse etc. These viruses can capture and send sensitive
information stored on your hard drive to any other person who has gained remote access
to your computer.
Upgrade your Operating System and Browsers with the most recent patches.
This is also essential for the smooth running of the Internet Banking. This will ensure
your Online Banking session is more secure.
Please visit Security Updates Web site to access current Security
Updates on your
machine.
Block the pop-up windows. Several programs are available for blocking the pop-up
windows. You can download it through the Internet
Never leave your system Online, when you are not using it. You should
disconnect the Internet after the completion of your Online Banking session.
Dos & Donts

Dos
Keep the secrecy of your personal security details such as passwords, PIN numbers
etc.
Memorize your password , PIN or other security information, and destroy the
written communication if any of the same as soon as you receive it
In the event your password / PIN being lost or stolen, or in the event of password
/ Pin or other security information being compromised, please inform the Bank
immediately.
Choose your new Password / PIN carefully, if you change the same;
Passwords / PINs should be changed frequently.
Disable the Auto Complete and Remember Password on this machine option in
the browsers to prevent storing of user names and passwords.
Properly Log Off through Logoff button from the Internet Banking site upon
completion of your Online Banking session.
Always type the site address in the address bar to avoid misleading to counterfeit
sites.
Install and Update anti-virus software.
Disable the File and Printing Sharing feature on your operating system
Donts
Dont write down or record your PIN, password or other security information;
Dont share passwords or PIN numbers with anyone.
Dont use your date of birth, name and address as your password.
Dont open or respond to a doubtful email.
Dont open attachments or click links that may contain in a fake email.
Dont use shared computers for your Online Banking.
Dont keep the system online when you are not using it.
Dont use pirated software or software from unknown sources.
ANNEXURE 2 (F)
PHISHING
'Phishing' is an attempt by fraudsters to 'fish' for your banking

details.
It is a technique employed by scamsters to illegally procure personal
information like account numbers, Internet banking user ids and
passwords, etc. from a legal possessor of such information. Hence it
is a method of illegally capturing personal security data.
'Phishing' attempts usually appear in the form of an email appearing
to be from your bank. Within the email you are then usually
encouraged to click a link to a fraudulent log on page designed to
capture your details. Your email addresses can be obtained from
publicly available sources or through randomly generated lists.
Therefore, if you receive a fake email that appears to be from
Allahabad Bank, it does not mean that your email address, name, or
any such information has been taken / derived from our systems.
Although they can be difficult to spot, phishing' emails generally ask
you to click on a link which takes you back to a spoof web site that
looks similar to your bank's website, wherein you are asked to
provide, update or confirm sensitive personal information. To prompt
you into action, such emails may signify a sense of urgency or
threatening condition concerning your account.
IMPORTANT: Allahabad Bank does not ask for personal
security details like your Internet banking or phone banking
passwords on the email, phone or otherwise.
Never disclose your passwords to anyone, even to the bank's staff. In
case you get an email asking you to enter your personal security
details or a Bank staff approaches you to disclose your password,
please
report
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ANNEXURE 3
GLOSSARY
1.
2.
3.
4.
5.
6.
7.
8.
Banks Internet
Banking Website
Banks Website
CBS
CBS-PO
CIF
Customer Care
Email ID
Delivery Channel
9.
E-payment of
Tax
GPRS
10.
Help Desk
11.
Home Branch /
Base Branch
12.
Internet Banking
(IB)
13.
Internet Banking
Team
http://www.allahabadbank.in
Centralised Banking Solution
CBS Project Office
It is currently situated at:
Allahabad Bank CBS Project Office
5th Floor, CIDCO Banking Complex II
Plot No. 9 & 10, Sector 19 A
Vashi
NAVI MUMBAI 400 705
Customer Information File
A channel / mode through which services are
offered to the customer.
Payment of tax made by a customer through
Internet Banking Delivery Channel
General Packet Radio Service is a Mobile Data
Service available to users of Global System for
Mobile Communication (GSM) phones.
It is a cell comprising a team of people who try to
resolve the issues/problems of Branch Users.
Branch which has created a particular CIF for the
customer and keeps all the residential / identity
records/proofs of the customer and maintains his
account.
A delivery channel provided by Bank which offers
certain specified services to the customers through
Internet.
A team of officers at CBS-PO who process the
application forms of customers, generate
password, granting services to customers, receive
mail from customers, ensure implementation of
necessary changes in the Banks IB website /
application.
14.
PIN / Password
PIN Personal Identification Number

In Internet Banking parlance, it is nothing but
password. There would normally be two passwords
(i) Login Password
Customer / User can login to Banks IB Site
through this password.
(ii) Transaction Password
Customer / User can make transaction and
lodge requests through Banks IB Site using
this password after he / she has logged into
the IB site.
15.
16.
SMS
SMS Banking
17.
SMS Banking
Team
Mobile (WAP)
Banking
18.
In SMS Banking, there is only one PIN

Customer / User can send requests / enquiries
to Bank through SMS/Mobile System using this
PIN.
Short Messaging Services
A delivery channel provided by Bank which offers
certain specified services to the customers through
sending and receiving SMS.
Same as Internet Banking team
Similar to IB but the customer would be able to do
it on his / her mobile which is GPRS enabled.
Customer should ensure to enable his / her mobile
for GPRS from his / her Service Provider.

Mobile Banking

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Format Tersedia

Mobile Banking

Diunggah oleh

Hak Cipta:

Format Tersedia

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To All Branches & Offices

Benefits to the Customers:

Anywhere Banking: Banking from any convenient location, be it

Any time Banking: Convenience banking on 7 days a week, 24

Access Banking: Online / Offline Requests, Account Summary,

Information Banking: Online availability of information about

Benefits to the Bank:

Efficient and Cost effective delivery mechanism for banking

Widening customer base;

Customer transition from manual to electronic channels;

Fostering customer- bond and relationship

Features of Internet Banking, Mobile Banking and SMS Banking Services

Internet Banking Services [Including Mobile (WAP) Banking]

SMS Banking Services

General Terms &

These Services / Facilities would be provided on

Note: Presently the facility is available to

Incident Response Form

However, for off-line requests like delivery of

Brief descriptions about terminologies used.

Further, we are also in the process of

launching Phone Banking services for customers; in this regard a separate

Necessary arrangements have been made for printing and supply of

At present, these facilities would be available to Individual Customers only.

However, the Internet Banking facility would be made available to

corporate customers for the purpose of carrying out their e-Payment

Internet Banking Services:

Savings/Current/Overdraft Account etc. with Allahabad Bank Branch under

(A) ONLINE Services:

E-Payment Facilities: User may use E-Payment facility for payment of

Cheque Enquiry: User may enquire status of a Cheque or Range of

Cheque Books: User may enquire for Cheque books issued in an

Outward Cheques Enquiry: User may enquire status of specific

Contact Details: User may view address details.

Change Login Password: User may change login password as per

Change Transaction Password: User may change transaction

Change User Preference:

Login History: User may view login history.

(B) OFFLINE SERVICES;

Issuance of demand drafts and delivery options: User may request

User may view the status of a request

already submitted by giving request Id or date range or request status.

(Receiving of Acknowledgement, Welcome Kit, Passwords etc. by the

(Request for Regeneration of Password)

should be advised to note this reference number for future use.

Net Banking Login

having received the Net

Password from the

Banking Login Password

2.* Procedure of Allotting Application No.

per the format given in

Annexure-1(B) to the applicants address as provided in the application form,

Screen No. \\ SCR: 067050 CIF: Change Details will be displayed.

Other fields should be left blank.

Screen No. \\ SCR: 007082 Deposits: Create account\Channel linkage will be

Screen No. \\ SCR: 060455 CIF: Link Customer Information will be

Enter the CIF Number of Primary Account (Search

button is also available)

(Receiving the PIN Mailer containing Net Banking Login Password)