The best ways to bank and banking.

Are you curious to know the best ways available to bank? Banking is very important in everybody's life. If we are familiar with all the methods of banking, everyday life will become easy. The time will be saved and unnecessary movements will be reduced. This article provides complete details about different ways of banking. Let us educate ourselves.


Banking is very important in everybody's life. Let us educate ourselves about different ways of banking. There are some ways such as bank on line, bank in person, bank with your phone, bank with your watch etc. The use of technology in banking sector has made banking very fast, easy, time saving and cost effective. Let us learn and use the different ways to banking as per our requirement.

Type of banking

There are five type of banking namely:

Bank on line:This consist of net banking, credit card online banking, statements by email, loan account online.

Bank in person: This consist of branches network and ATM services.

Bank with your phone : This consist of phone banking, mobile banking, instant transfer and recharge, SMS alerts etc.

Bank with your watch : Some of the services available through watch banking such as view Information of all your accounts, recharge your Mobile & DTH, request A/c Statement & Cheque book, Locate HDFC Bank ATM & Branch, Hotlist your Debit Card

Services through social media: Some of the services available through OnChat such as recharge your mobile phone, pay your utility bills like post-paid mobile, electricity, DTH, Book a cab from Ola or Uber and booking of buses.

Benefits of Internet banking

There is a lot of benefits of netbanking in today's world. It has become inevitable now and we can not survive without net banking. Some of the benefits listed below:
  1. Many banks offer more than 200 free transactions available on Net Banking

  2. You can have all details of your account online like viewing balance, statements, money received from and money send to etc.

  3. You can access your account at anytime, from anywhere. You can do on line transactions sitting in your office or home. You need not to visit branch.

  4. Internet banking provide easy and fast transaction so save time and money.

  5. You need not to stand in queues to wait

Credit card net banking

If you have credit card, you can manage it online.
  1. You can view your transactions and unbilled dues.

  2. You can pay your credit card bill online. Just add it as a beneficiary or registered it in your bank account to pay bill. Even you can opt for auto payment every month.

  3. You can change the features on line of your credit card. For example, you can block and unblock international use. It is better to block international use if you do not visit countries outside India. It will save from the international credit card frauds.

Loan account online

Earlier people have to pay house loan EMI through cash/cheque. Now we can transfer through online as NEFT. It is free up to 10,000 amount within same bank and charge Rs.2.50 for other bank and money is being credited within 4 hours. It is very easy and good way to pay home loan and car loan EMI.


Net banking and mobile banking has become very popular now-a-days. People should learn the things to enjoy the benefits and convenience of various ways of banking. Net banking and mobile banking has saved time and reduced the cost to banking. It is boon if used cautiously and safely. We should not share UID, password, customer ID, credit card no., pin, cvv no. and other secret information to anybody.

Article by NK SHARMA
I am Mechanical engineer with MBA and M Phil degree. I have a passion for reading and writing. I enjoy in sharing knowledge with people.

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