Tele Banking System Interview Q & A

Q: 1 : Tell me about Tele Banking System?
Ans: The Bank Offers 24 * 7 Tele Banking Services which can be availed by Customers of all CBS branches of Bank through Tele Banking City Servers installed at 20 major cities across India. By using this wonderful & convenient Technology which uses Interactive Voice Response system (IVR), you can have Anytime, Anywhere (24 * 7) access to your different Accounts. You can inquire about your Account balances and also have general information about bank’s various product and services.

Q: 2 : What is IVR System?
Ans: OBC Tele Banking is based on an Interactive Voice Response System (IVR). This technology helps the Customer to understand and execute the various options available in the Tele Banking system by pressing keys of the Telephone instrument.





Q: 3 : What Services are Offered in Tele Banking System?
Ans: (A) General Information For Public Enquiry about (1) Domestic Term Deposit Rates (2) Domestic Term Deposit rates for Senior Citizens (3) NRE & FCNR Rates (4) Daily Forex rates (5) Bank’s various retail products (6) Detail of ATM Locations (7) Bank’s working hours & Holiday enquiry. (B) Account related Information - Uses Customer Number & PIN For Authorisation (1) Account Balance Enquiry (2) Enquiry about last five transactions (3) Account Statement for a given period through FAX, Another Fax and Email options. (4) Cheque Status Enquiry.

Q: 4 : How I can avail Tele Banking Services?
Ans: The Bank is offering Tele Banking Services, a 24 * 7 hours service, totally free of costs for its esteemed Customers. To avail the Tele Banking services, you need to submit duly filled-in Tele Banking form to your Branch. Kindly collect your secret PIN letter from the Branch after 4-5 working days. After receiving the secret PIN number from branch, you can enjoy our Tele Banking services from anywhere* anytime by just moving your fingers on your Telephone instrument.

Q: 5: How I can use Tele Banking Services?
Ans: Language Selection:- The Customer can interact with the TeleBanking system by selecting one of the four languages viz. 1. Hindi 2. English 3. Tamil 4. Bengali. When you dial the nearest City’s TeleBanking Phone number, then after the recorded welcome message, you need to select the language to interact with TeleBanking system. Next you need to select either the option of 'Account Related Information' to access your accounts Or you can choose the General Information option. To Access the “Account Related Information”, you must enter your Customer ID and the secret PIN (which is being issued to you by the bank). Key-in the various numbers on your keypad, for the services of your choice as directed by the IVR System. During the Interaction session, you can Press/ dial 9 to repeat the previous menu, 0 for main menu and # to quit the TeleBanking system.

Q: 6: What is Customer-Id and PIN?
Ans: Customer-id is a unique Numeric Code allotted by the Computerised System to identify the Customer and its details such as Customer name, addresses and various types of accounts the Customer is operating with the Bank viz. SB A/c., Overdraft A/c., Current Account etc. All the personal details of the Customers are accessed using this Customer-ID. The Personal Identification Number (called PIN), is a four digit number generated by the TeleBanking system, which a customer needs alongwith the Customer-ID number in order to access TeleBanking system. The PIN is issued by the Bank and sent to a customer through sealed PIN mailers.

Q: 7: What is the Security in TeleBanking System?
Ans: The Customers who have opted for TeleBanking system are issued secret PINs by the Bank which are sent through sealed PIN Mailers. When Customer uses the TeleBanking system first time, he is forced to change the PIN number to keep its secrecy. He further has the option of changing the PIN number as and when required by him. This enhances the security feature of this facility.

Q: 8: What should I do, if I have forget my PIN number?
Ans: Re-Issuance of Personal Identification PIN:- In case Customer forget his secret PIN, he needs to give written request to the concerned branch for re-issuance of PIN. The branch thereafter forwards the request to TeleBanking Cell at Head Office for re-issuance of PIN for the Customer.

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