Finance
Summary: How to check your bank balance without going to a bank?. Read on to know more.
15 Dec 2023 by Team FinFIRST
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Checking your account balance no longer means standing in long queues. You can check it online or even without internet using different methods
Knowing your bank balance gives you a better hold of your financial situation. Banks help you conveniently check your bank account balances online using mobile apps. Let us look at a list of ways to check your bank account number without visiting a bank branch.
1.Use net banking
Net banking is one of the most efficient ways of checking your bank balance without visiting a bank. Follow these steps to check your bank account balance via net banking.
- Visit your bank's net banking website and click on ' New to net banking? Activate now.
- Enter your mobile number and customer ID to proceed.
- After entering the OTP received on your registered mobile number, activate your account and enjoy the joy of banking.
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2.Use a UPI app
A quick way to check your bank account balance is through a UPI (Unified Payments Interface) enabled app. UPI is a medium that helps you access your bank's services in one place. If you are a first-time UPI user, follow these instructions to register for UPI.
- Install a UPI app on your phone.
- Check whether the registered mobile number associated with your bank account is active.
- Validate your phone number via an SMS sent to you by the app.
- Create a unique PIN and a unique UPI ID.
- Create a four-digit UPI code.
3.Visit an ATM
If you are outdoors and wish to check your bank balance, visit an ATM. Follow these instructions to check your bank account balance by visiting an ATM.
- Insert your debit card into the ATM slot.
- Select your preferred language.
- Enter your four-digit ATM PIN.
- Select the bank inquiry or bank balance option.
4.Give a missed call
With Missed call service, you will be able to get the details of account balance by dialling the toll free number 1800 2700 720 from your registered mobile number. The following message will be played & call will be disconnected.
Message: - ‘Thanks for calling IDFC FIRST Bank! You will receive an SMS for your request shortly’
You will receive a response of account balance in the form of a text message within just a few seconds.
You can also know your bank balance by calling your bank at their toll-free number and providing details such as your account number, name, and ATM PIN. Moreover, you can also know your bank balance by placing a missed call to the bank via your registered mobile number. To avail of missed-call services, you must have an active registered mobile number.
5.Send a text message
Just send an SMS to 5676732 or 9289289960 from your registered mobile number with the transaction code for the service you want to avail. You will receive a response in the form of a text message within just a few seconds.
Query | SMS Text (Send through registered number) | Details |
Balance | BAL / BALANCE or BAL / BALANCE <Space><Last 4 digits of account number> | View the available balance in the accounts linked to your Customer ID. To Know specific a/c balance, type keyword BAL / BALANCE followed by last 4 digit of your account number |
Last 5 transactions | TXN <Space><Last 4 digits of account number> | This will give the last three / five debit / credits made to your account. |
Cheque book request | CHQBK <Space><Last 4 digits of account number> | Request will be captured for Cheque Book |
Stop cheque | CHQSTOP <Space><Last 4 digits of account number><Space><6 digits of cheque number> | Stops an issued cheque from being paid |
Blocking of Debit card | BLOCK <Space><Last 4 digits of card number> | Block your debit card instantly |
You can also know your bank account balance by sending an SMS to a number provided to you by your bank. The bank will send push notifications to your registered mobile number to render this service. IDFC FIRST Bank'sSMS Bankinggoes a step further – besides checking your current bank balance, you can request a new chequebook, cancel a chequebook request, and block your debit card using this feature.
6.Check your passbook
A traditional way of checking your account balance is by checking your passbook. A passbook contains the details of all debit and credit transactions which can help you know your account balance using a passbook. The passbook includes extensive information on the transactions made using an individual's account.
7.Use mobile banking
Any transaction you make over an internet connection through a web page (generally, the bank's website) or a web application constitutes internet banking. You can experience mobile banking at your fingertips with IDFC FIRST Bank'smobile banking services, which facilitate easy transfers, quick bill payments, and access to loan details.
8.Check bank balance with an account number
Here is how you can check bank balance with your account number.
- Log in to your bank's net banking service. Enter your account number, registered mobile number, email address, debit card number, and CVV.
- Enter your username and password, and enter the OTP sent to your registered mobile number to check your account number.
Things to keep in mind while checking your bank account balance
- Customers must secure their bank accounts with strong passphrases: An effective way to create a strong password is creating a “passphrase”. An example of a passphrase could be: Iopenedthisaccountin2012$. Passphrases are easier to remember and stronger than generic passwords. You can use strong passphrases as passwords to secure your online account.
- Always remain vigilant and do not share sensitive information:Do not share your login ID and password with anyone.
- In case you get locked out of your account, contact customer care:In case you forget your password, contact customer service through the app or by dialing the bank’s toll free number.
- Keep changing passwords:Keep changing your password regularly.
- Check your bank account balance while having a strong internet connection:While checking your bank account balance through a mobile banking app, ensure that you have a strong internet connection.
- Keep multiple options open: It is advisable to form the habit of checking your bank account balance through more than one modes of banking to avoid relying on one mode.
IDFC FIRST Bank offers SMS andWhatsApp banking servicesto access services such as checking your bank account balance. Open a savings account and benefit from these features today!
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circ*mstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.
As a financial expert with a demonstrated understanding of banking and personal finance, I'd like to delve into the various methods outlined in the provided article on how to check your bank balance without physically visiting a bank branch. I'll break down each concept used in the article and provide additional insights where relevant:
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Net Banking:
- Net banking is highlighted as an efficient method to check your bank balance.
- Steps include visiting the bank's net banking website, activating the service, and entering relevant details.
- Emphasizes the convenience of managing your finances online.
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UPI App:
- Unified Payments Interface (UPI) apps are mentioned as a quick way to access bank services.
- Steps involve installing a UPI app, validating the registered mobile number, and creating a unique UPI ID and PIN.
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ATM Visit:
- Outlines the process of checking your bank balance at an ATM using your debit card.
- Steps include inserting the debit card, selecting language, entering the PIN, and choosing the bank balance option.
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Missed Call Service:
- Describes the option to check your account balance by giving a missed call to a toll-free number.
- Explains the subsequent SMS response containing the account balance details.
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SMS Banking:
- Allows users to send SMS commands to a designated number for various banking services.
- Provides specific SMS codes for actions like balance inquiry, transaction history, cheque book request, and card blocking.
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Passbook:
- Advocates the traditional method of checking the passbook for a detailed account of transactions.
- Highlights the passbook's role in providing insights into both credit and debit transactions.
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Mobile Banking:
- Defines mobile banking as any transaction made over the internet through a web page or application.
- Promotes the ease of transfers, bill payments, and access to loan details using mobile banking services.
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Checking Bank Balance with Account Number:
- Explains the process of checking your bank balance by logging into the bank's net banking service.
- Requires entering account number, registered mobile number, email address, debit card number, and CVV for authentication.
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Security Measures and Tips:
- Encourages users to use strong passphrases for account security.
- Advises against sharing sensitive information and prompts users to contact customer care if locked out.
- Recommends regular password changes and emphasizes the importance of a strong internet connection.
- Suggests keeping multiple options open for checking bank balances.
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IDFC FIRST Bank Services:
- Mentions specific services offered by IDFC FIRST Bank, including SMS and WhatsApp banking.
- Reminds readers to open a savings account to benefit from these features.
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Disclaimer:
- Provides a disclaimer, emphasizing that the content is for informational purposes only and recommends consulting a financial advisor for specific advice.
- Acknowledges that information is subject to change and may not be applicable in certain jurisdictions.
In conclusion, the article offers a comprehensive guide to checking bank balances through various methods, catering to different preferences and situations, while also highlighting the importance of security measures.
