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This image describes the relevance of learning online banking as manual banking is no more for modern world and hence everyone should try to pace up in learning it responsibly. The picture shows that manual banking is now more like an ancient thing!

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This imagine is very funny representation of a very serious issue which is online frauds. the issue is very sad although, however most of the times it is responsibility of the victim for falling for it and thats what picture describes. Thus, it is important to learn safe use of online banking

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There are so many things I learned while preparing this padlet.
1. Online banking is a really important feature that should be used as technology makes lives easies and online banking definitely does makes it 1000 times easies than manual banking.
2. A person should be responsible enough to use it with caution to avoid the frauds associated with it as Banking frauds are very common and can happen with anyone.
3. To avoid frauds the most important thing is to not never share your information with anyone and keep in safer and never think that it cant happen to you.

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Your responsibilities when banking online!

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Your responsibilities when banking online!

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Website #4
There are so many responsibilities associated with use of the online banking. It is not just having fun and having a simpler life. You have to be careful in using it and have to make sure you trust right person with your information and another aspect of online banking is that if you are being careless about its use, you are held liable for the loses in case of any frauds. This might seems shocking to some but is actually correct, so be more careful even you do any online banking.

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Website #3
This sites lets you compare all the pros and cons of the online banking. Checking the pros, online banking is really faster to use, saves one time and efforts to do it manually. On the other hand, it sometimes lead a person in bigger scams resulting it loss of millions of dollars and it is difficult to learn for some. There are privacy concerns over information access as well.
To learn more take a look at website.

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Online banking gives you the ability to manage your bank account over the internet using a computer or mobile device. There's no need to visit a bank branch, and you can do all of your banking tasks when it's most convenient for you, including outside of normal banking hours.

Learn more about online banking and why it is often easier, less expensive, and safer than in-person banking.

What Is Online Banking?

You can bank online through an online-only bank or online-only credit union or through the suite of online services that most brick-and-mortar banks and local credit unions now offer. You can typically pay bills, transfer funds, apply for a loan, deposit checks, and verify transactions and account balances.

The one advantage traditional banks and credit unions have had over their online counterparts is the ability to withdraw funds using an ATM. Increasingly, online banks and credit unions are providing access to a network of ATMs that won't charge you a fee. And some financial institutions will reimburse your ATM fees up to a certain amount each month.

How Online Banking Works

Online banking is designed to be convenient, saving you time and letting you do banking on your own schedule rather than only during the hours your local bank branch is open. Almost anything you can do at a traditional bank or credit union location you can accomplish online, starting with opening an account.

Opening Accounts

You can open checking, savings, and other types of accounts online, often without the hassle of printing or physically signing anything. With electronic signature capability, the entire process might now take less than 10 minutes.

If you're a customer of a financial institution that offers online banking, you can register for online access through that institution's website. At a minimum, you'll usually need the following items to get started online:

An internet connection

A device with a web browser: a computer, tablet, or smartphone

Your bank account number

Personal information to verify your identity, such as your birth date and Social Security number

You will need the same things, excluding the bank account number, to open an account with an online-only bank or credit union with which you do not have an existing relationship. You may be asked for additional ID verification, such as a driver's license.

Registration involves setting up a log-in-often your email address-and password. Once you complete registration, you can log in to your account and start banking online with only your internet-enabled device.

Paying Bills

Instead of writing checks to pay bills, your bank can print and mail a check for you month after month. But for greater convenience, it's also possible to send money to a payee electronically, even if the amount you owe changes every month.

Transferring Funds

If you need to move money from your checking account to your savings account or into a certificate of deposit (CD), you can carry out these intrabank transfers online. You can even link your accounts at different banks or send money to friends and family almost instantly through person-to-person services accessible through your bank.

Applying for Loans

Getting a loan is traditionally a paperwork-intensive process, but it doesn't have to be. Filling in your application online speeds the credit-check process, enabling your bank or credit union to respond with an answer more quickly. Some financial service providers with online loan applications make funds available the same day you get approved for a loan. Other lenders that operate entirely online can make near-instant lending decisions.

Depositing Checks

When someone pays you with a check, it's easy to deposit the check from home if you have a smartphone. Using mobile check deposit, you snap a photo of the check through the mobile app of your bank and submit it for payment. There's no need to mail the check.

Viewing Current and Past Transactions

Most credit unions and banks make it easy to check your available balance, verify your latest transactions went through, and review previous monthly statements online. You should be able to search transactions by time frame and type, such as a bank card payment.

Staying Informed

Another big benefit of online banking is the ability to set up alerts. You can receive a text or email when your bank notices potentially fraudulent activity or your balance goes below a certain amount. You can be notified when deposited money is available and when a check has cleared.

These alerts are great for informational purposes, but more important, they can help you quickly stop criminal actions. For instance, if you are notified of a change in your password and you did not make that change, you can immediately contact your bank and ask them to prevent the perpetrator from draining your account.

Online Banking vs. Traditional Banking

There are important benefits to be gained by using a bank through which you primarily or exclusively manage your account online. But traditional banks have advantages too.

Better Interest Rates

Online-only banks tend to offer a higher annualized interest rate, often referred to as the annual percentage yield (APY), on your deposits. That's because they don't have the overhead of brick-and-mortar banks and can pass some of the savings along to you. However, the online division of some traditional banks may also offer competitive rates. Online banks also tend to offer a lower interest rate on loans, which is called the annual percentage rate (APR).

You generally want higher interest rates on savings accounts to make your money work harder for you. On the flip side, lower interest rates are desirable for loans because they reduce the total cost of the loan. It's smart to shop around and compare online bank rates to traditional bank rates, but you'll almost always do better online.

Online-only banks typically charge lower fees than traditional brick-and-mortar institutions for the same reasons they pay more in interest. In fact, they are less likely to charge fees at all for certain services or for failing to maintain a minimum average balance.

In-Person Transactions

Despite offering the ability to deposit checks via mobile deposit or withdraw money through affiliated ATMs, an online bank may be impractical if you frequently make large deposits or withdrawals and need to do so through a bank teller. Some banks have a daily mobile deposit amount limit and ask you to visit an ATM or branch to make deposits exceeding that limit. This may prove difficult if your bank doesn't have a large network of free ATMs or a branch nearby.

Most banks also place daily limits on the amount you can withdraw from ATMs. If you need more cash and can't convince your bank to increase the limit, you'll need to request a cash advance in person, which you can't do if you can't visit a branch.

Traditional banks can also provide notary services, safe-deposit boxes, and cashier's checks. Online-only banks typically can't.

Technology Issues

If you're not comfortable with technology, banking online may come with a steep learning curve. Plus, glitches happen, and if your computer-or the bank's system-is down, you may have to put off a pressing transaction.

For complex situations like pesky customer service issues or discussions about different types of loans, you might benefit from a face-to-face meeting at a traditional bank.

Safety Issues

In many respects, online banking is more secure than traditional banking. Having your pay directly deposited into your bank account eliminates the risk of someone stealing your check from the mail. Plus, no one can copy your account information from checks that you send out; bank computers send that information back and forth securely, without storing it.

Online scams such as phishing schemes that use an email or text to get you to divulge important information are a cause for concern. But as long as you send information only to people you trust, and through authentic websites, you can avoid many of them. Be careful about what you click on, and contact your financial institution if you have any concerns.

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Online banking gives you the ability to manage your bank account over the internet using a computer or mobile device. There's no need to visit a bank branch, and you can do all of your banking tasks when it's most convenient for you, including outside of normal banking hours.

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How can online banking help me manage my credit?

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How can online banking help me manage my credit?

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Website #2
This website basically recalls all the important things you need to know about the Managing of credit through online banking as credit is important aspect of banking and most of the time it is difficult to have track your credit limits and payment due dates, but online banking makes it simpler and also provides customers with the option to view it on their phones and manage them really easily. Have a look at the website to learn more about it.

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Banks offer a variety of online services to members who hold a checking or savings account, or have a credit card issued by that bank. The simplest service offers access to a checking account so you can view transactions and transfer funds. Checking your account balance just requires you to log in and click on the proper account. Your online statement will show you deposits and withdrawals, their specific amounts, and the person or business that the transaction came from. If you wrote a physical check, it will show the check number. You can order a copy of the check, but the banks will usually charge a small fee for this service.

It's also possible to pay many of your bills directly from your online banking account. For example, your local electric company will have a financial account set up with your bank. You can then have your online bank send money from your checking account to the electric company to pay your bill each month. You don't even have to remember to do this -- the payments can be sent automatically on the date of your choice. Just remember to keep enough money in the account.

You might have other financial accounts with your bank that can also be managed online. This could include home equity loans or savings accounts. You can even apply for a new credit line or a home equity loan online with some banks.

Of course, there are fees associated with online banking. Basic online access is usually free, or may carry a small monthly fee. If your account is intended to be used primarily online, you might be charged a fee if you go to a physical bank and interact with a teller there. Like most checking accounts, there may be minimum amounts which must be kept in the account to avoid penalties or additional fees. Make sure you talk with a bank officer when you set up your accounts to make sure you find the right combination of services and fees to fit your specific needs.

Now that we've covered the essentials of online banking, we'll see how you can use online banking to help manage your credit.

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How can online banking help me manage my credit?

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Banks offer a variety of online services to members who hold a checking or savings account, or have a credit card issued by that bank. The simplest service offers access to a checking account so you can view transactions and transfer funds. Checking your account balance just requires you to log in and click on the proper account.

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Website #1
Online banking, also known as internet banking, has become increasingly popular over the past decade. It’s a great way to take control of your finances and an easy way to make sure you’re keeping up to date with payments. More than half of us now avoid queuing up in bank branches by accessing our accounts directly from our computers, tablets or smart phones. But how does it work and is it safe? This website gives you all the information about how to use it.

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Online banking, also known as internet banking, has become increasingly popular over the past decade. It's a great way to take control of your finances and an easy way to make sure you're keeping up to date with payments. More than half of us now avoid queuing up in bank branches by accessing our accounts directly from our computers, tablets or smart phones. But how does it work and is it safe?
What is online banking?

Account dashboard

Do you have more than one account? New services mean you can now see all your accounts in a single banking app. Find out more here.

Banking online means accessing your bank account and carrying out financial transactions through the internet on your smartphone, tablet or computer.

It's quick, usually free and allows you to carry out a number of tasks such as paying bills and transferring money, without having to visit or call your bank.

Many banks also have free apps which let you use these services from your smartphone or tablet.

According to FCA, you are 24% less likely to incur unarranged overdraft charges, if you use a mobile banking app and text alert service.

Most banks let you use your online account to:

Check your bank balance at any time

Pay your bills and transfer money to other accounts

Check any linked mortgages, loans, savings accounts or ISAs

Check your bank statements and go paperless (stop getting paper bills sent to you)

Set up or cancel direct debits and standing orders

Check on any investments you might have that are linked to your account

How secure is online banking?

Accessing your bank account online is generally safe, as long as you make sure you enter in all the right details when making a transaction and follow a few rules:

Banks take lots of precautions to make sure your online account is safe. These include encrypted websites, timed log outs and many authentication processes. You can ask your bank for more details.

Check your statement frequently and report any strange activity to your bank.

Don't reply to emails claiming to be from your bank that ask for personal details or passwords.

Always remember to log out of your online banking session.

Only use secure wi-fi connections to access your bank account.

Public Wi-Fi connections are often not secure, so don't use them for banking or to make purchases. If you're out and about with a mobile or tablet, it's safer to use your 3G or 4G connection.

Keep your operating system and anti-virus software up-to-date.

Choose your passwords carefully - create it by combining three random words and don't re-use the same one for different accounts.

Secure mobile banking

Accessing your account through your smartphone - either using a website or a banking app - is becoming increasingly popular.

It's a fast, convenient way to manage your finances and banks invest heavily in making mobile banking safe.

What if something goes wrong?

If you notice anything strange on your account, or you accidentally make a payment to the wrong account, get in touch with your bank as soon as possible.

How to set up online banking

The majority of banks in the UK provide an online banking service.

To find out if you can get online access to your account, check your bank's website, give them a call, or pop into a branch.

For security reasons, the registration process often involves a few steps.

These might include:

Visiting your local bank branch,

Having a password posted to you, and

In some cases, being given a small security device you'll need to log on.

My bank doesn't offer internet banking

If your bank doesn't offer online banking, or you're not happy with the service provided, you're free to switch to another provider.

How to access online banking without an internet connection

Even if you don't have an internet connection at home, you might be able to access your online account using a computer in a bank branch.

You might also be able to access your online bank account through a secure connection at a friend or relative's home.

Read more

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Online banking, also known as internet banking, has become increasingly popular over the past decade. It's a great way to take control of your finances and an easy way to make sure you're keeping up to date with payments.

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Video#4
Frauds are everywhere and thus we have to accept the fact that we can mitigate them from our lives and only thing we can do is that we can prevent them from happening to occur. We must actually be very carefully when we share our information as this information is all scammers need. Nextly be very careful when you shop online and also be careful about keeping track of your spending and watch the video to learn more.

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Real-time fraud prevention in a real-time world

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Video#3
This video deals with different frauds related with the online banking and how there has been a dramatic rise in the frauds over years. Every thing in comes with its cons and so is online banking, thus to provide you an insight of how different frauds occur in regards to the online banking, do look at the video and it also tells some preventive measures on avoid being frauded. The online banking frauds have been on rise over years and people have lost millions of dollars in these scams. So having an idea of how they occur really help.

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Video #2
There are hundreds if not thousands of uses of online banking. For starters you don’t have to go to bank, hence it saves you a lot of time. In addition to being time saver, it saves of money as well. Having reduced burden on banks as well the online banking saves you some money in terms of auto pay options and also reminding you to pay on proper time. Hence it makes your credit history stronger and also saves you from standing in long waiting lines. So have a look at it and know the benefits of online banking.

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Video#1
This video gives you an insight of the basics of online video. It lets you have a gist of all the uses online banking can be used and also tells about how valuable the online banking is. Online Banking can be used for checking balance, verifying transactions and much more. It informs about how to use it for day to day banking needs and also provides the different ways it could replace traditional ways of banking. The video also focuses on all the introductory aspects of the online banking. So have a look at it and make yourself familiarize with it.

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Wells Fargo financial expert Barbara Shaw provides an overview of online banking. To view over 15,000 other how-to, DIY, and advice videos on any topic, visit http://www.monkeysee.com/

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Hello everyone who is here to learn about different aspects of online banking. With advancements in technology in every field of life, online banking had become a very crucial part of life. However, most of us are still reluctant when it comes to use in their day to day lives as with its benefits comes so many drawbacks and frauds which learn in news everyday. So, this wall is going to deal with all the different aspects of online banking to give you more knowledge of what is into it and have you insight on how to use it safely. Let’s explore more!!