Here are 6 Easy steps of the Online Bank Account Opening Procedure

 




Earlier, people had to walk to the nearest office of a bank to open an account there. They had to wade through noisy streets and stand in a queue at a bank to conduct all banking transactions. Now, they do not need to put so much effort into their banking actions. Online banking facilities have made banking effortless than before. Now people can transact money and do much more from their laptops and smartphones. They can even open a bank account through a bank’s smartphone app. We have curated a list of steps of the online banking account opening procedure you have to follow to open a bank account.

1.   .1.Fill up your bank’s questionnaire to find a suitable bank account

The first step of the online banking account opening procedure is to visit your bank’s official website and answer a few questions. Based on your answers, they will recommend you a suitable type of bank account. Those questions usually are on the lines of:

i)        The average monthly balance you would keep in your savings account.

ii)      The type of user you are (based on your age and your gender).

iii)    The savings account programmes to choose from.

You will get a drop-down list of answers for every question. Select the most suitable answer and press the submit button to get bank account-type recommendations.

2.    2.Download your bank’s app from your smartphone app store

Download that bank’s official app from your smartphone’s app store. Notice the name of the app developer before you download the app. If you do not know the exact app of your bank, visit their official website. They will give you the link to their official app on their website.

 


3.    3.Complete the e-KYC procedure

Carefully fill the e-KYC application through the app. Keep your ADHAAR card and PAN card ready. Next, upload the soft copies of your documents as prompted by the app. When it asks you to provide a mobile number, give them the one that is linked to your ADHAAR card.

 



4.    4.Attend a video call with your bank’s employee

In the next step of the online banking account opening procedure, you have to attend a video-call session with your bank’s employee. Use a 4G network or a fast Wi-Fi network to stream the video call seamlessly. Once the bank employee verifies that you are the same person who applied for the bank account, your account will come one step closer to becoming operational.

5.    5.Accept a bank account welcome kit

Once the bank account becomes operational, you will receive a welcome kit from the bank. In it, there will be a cheque book, a debit card, some brochures, and sealed chits containing PINs of your debit card and the internet banking facility.

6.    6.Sign on the photocopies of the documents you submitted

In the last stage, your bank will send one of its employees to get your signature on the physical photocopies of the documents you submitted with the bank account application. Comply with them and then start enjoying their banking services through their app.

 

So, this is the online banking account opening procedure. Have a nice day!

 

Read More:- Here are 6 Benefits that you get when you open a Zero-Balance Account

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