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Mobile Banking

The bank is ushering in to the new area of technology. We are delighted to introduce Mobile Banking to all our customers. Initially, M Banking service is available for the handsets with J2E application.

This service enables fund transfer facility round the clock (24 x 7 x 365). The scheme facilitates the convenience of fund transfer to other bank accounts even on holidays by using Immediate Payment Service (IMPS). All transactions are followed by an instant SMS confirmation. This facility is available for all the mobiles with J2E application. All the facilities are offered without any additional charge.

  • Inquiry Services - Balance inquiry & Mini Statement.
  • Request - Cheque book request.
  • Fund Transfer - Self Transfer & Third party transfer.
  • Immediate Payment Service (IMPS).
  • Value Added Services - Mobile Recharge & DTH Recharge
  • More VAS like Train Ticketing, Air Ticketing, Bus Ticketing & Movie Ticketing to follow soon.
  • Individuals excluding Minor and Illiterate persons.
  • Joint account holders. (only one applicant is eligible to enroll - Joint account holder should give undertaking to the other joint holder as per our request form).
  • Kartha of Hindu Undivided Family accounts.
  • Proprietor of Proprietorship concern.
  • Savings Bank Accounts - Except No frill Accounts (SB Janatha A/c).
  • Current Accounts (Individual / Proprietorship concern).
  • Overdraft Accounts - Personal Overdraft and OD against the security of Term Deposit, Government securities and Gold.
  • Transaction limit fixed for Self Transfer, Third party transfer & IMPS is Rs. 50,000.00 per day per Cust- ID.
  • Customer mobile handset should be GPRS enabled.
  • One Mobile number can be registered to one Cust_ID. All the accounts in that cust ID can be linked for enjoying the M Banking service.
  • If the customer wants to change the Mobile number, then customer should de-register the mobile application and has to give fresh application form to the branch for registering just like fresh application.
  • If the customer wants to change the device then, customer should de-register the mobile application, uninstall the mobile application in the old hand set, Download the application in the new handset, enter the activation code which he will receive along with the download link and the customer has to change the old MPIN and login password.

On TMB M-Banking your information is protected by the following security measures :

  • The Download of TMB - Mobile app is restricted after one successful download from a registered user.
  • In any re-download scenario, the Customer will have to request the bank through any registered means of communication.
  • TMB Mobile app cannot be activated with a different sim card or different handset other than the registered one.
  • TMB mobile app doesn't store personal account information on mobile devices, so your accounts are not exposed if your phone is lost or stolen
  • When you use TMB mobile app, your information is protected by 128-bit encryption, just as when you bank online
  • TMB mobile app always requires an activation code at the first login after download. The activation code can be generated only once by a registered user by sending SMS to 9282112225. No activation code can be used twice.

When downloading the TMB Mobile app to your mobile device, be sure to go to a trusted source such as the App Store on the IPhone, Google's Play Store and Windows Market Place. You can alternately SMS to 9282112225 and click on the download URL in the response SMS and install the application. Do not download the app from any other third party source.

Do’s

  • Password-protect the mobile phone and set the maximum number of incorrect password submissions to no more than three.
  • Choose a complex password. Do not use personal details like date of birth, names and common patterns (123, 111, 222, etc.) while choosing your password. Make it totally non-guessable and change your PIN and login PASSWORD for your TMB M-Banking app periodically
  • Be careful when typing out your account number , MPIN or password details on the mobile phone, especially while using the phone in a public spot, to prevent shoulder surfing.
  • Please report the loss of mobile phone to the bank so that we may disable the access to your account through TMB Mobile app.
  • Beware of everything you download onto your Smartphone, especially applications. Only use reputed applications from the market/store.
  • Review account statements frequently to check for fraudulent transactions.
  • Never forget to inform your bank about any changes in your mobile number, to ensure SMS notifications are delivered to the intended person only.
  • Always take a backup of your Smartphone data.
  • Always keep the bank’s customer care number in reach for emergencies.
  • Register for SMS alerts to keep track of your banking transactions.
  • Delete junk message and chain messages regularly
  • If you have to share your mobile with anyone else or send it for repair/maintenance
  • Clear the browsing history
  • Clear cache and temporary files stored in the memory as they may contain any sensitive information
  • Block your mobile banking applications by contacting your bank. You can unblock them when you get the mobile back
  • Once you have completed your mobile banking transactions, remember to log-off by clicking on the exit option.
  • Carefully check the IFSC code of bank and account number of beneficiary before making any payment.
  • If you have been victimized by cellular fraud, please file a complaint with your mobile phone service provider and the law enforcement agency

 

Don’ts

  • Do not store your bank account number or Transaction PIN or Login password on your mobile phone
  • Don’t Reveal or write down PINs or retain any email or paper communication from your bank with regard to the PIN or password
  • Never share your personal information (e.g. PAN, credit /debit card numbers, date of birth, mother’s maiden name or any other personal information) over the phone, mail /SMS or on the internet unless you have a trusted business relationship with the company.
  • Do not root or jailbreak your mobile device to get around limitations set by your carrier or device manufacturer. It may remove any protection built into the device to defend against mobile threats
  • Never conduct your banking transactions through an unsecured Wi-Fi connection available in public places such as airports etc.
  • Don't open every SMS / MMS as it may contain viruses, especially from unknown sources.
  • Try and avoid using Bluetooth in public places, as someone can access your confidential data / information.
  • Never open / download emails or attachments from unknown sources.
  • Be careful about the websites you are browsing. If it does not sound authentic, do not download anything from it.
  • Don’t install third-party banking apps, without the bank’s consent.
  • Avoid giving verification details to banking officer in public place when you call the bank for a genuine reason.

‘SMiShing’ is used to describe phishing attempts over text messages (SMS). This occurs when a fraudster sends you a SMS/text message asking you to provide sensitive, personal, and/or financial information via a web link and false website, or a telephone number.

  • Don’t respond to text messages or automated voice messages from unknown or blocked numbers on your mobile phone.
  • Don’t enable the feature in Android to install applications from ‘Untrusted Sources’
  • User awareness – don’t download anything unless you trust the source.
  • When buying online, use a legitimate payment service and always use a credit card because charges can be disputed if you don’t receive what you ordered or find unauthorized charges on your card.
  • Don’t respond to unsolicited e-mails, texts or phone calls requesting personal information.
  • Never click on links or attachments contained within unsolicited e-mails.
  • While visiting a merchant’s website, type the URL directly into your browser’s address bar.

Mobile Security effectively protects your mobile device from all common mobile threats. It guards against loss and theft, keeps your device free of malware and lets you browse the web/apps safely. Mobile Security keeps you safe from malware and malicious apps.

  • Install anti-virus/anti-malware software on your mobile phone.
  • Configure the anti-virus software to automatically notify you when new updates are available for download
  • Perform a complete scan of your mobile phone at least once a week
  • Configure the anti-virus software to scan all in-coming and out-going sms/mms/emails.

Contact your mobile handset vendor for authorized Mobile security software’s.

Some standard Mobile security softwares are listed below, most of which are available free of cost.

  • AVG Antivirus Security
  • McAfee Antivirus & Security
  • Avast Mobile Security
  • Symantec Mobile Security
  • Norton Security
  • Kaspersky Mobile Security Lite
  • Symbian OS S60 Devices
    NetQin mobile Guard – for Symbian OS S60 Devices
  • App Store – Iphones
    Webroot
  • App Store – Iphones
    Find My iPhone

What is TMB M-Banking? Why should I apply for it ?

  • TMB M-Banking is a banking application that can be downloaded on your mobile phone and can be used to conduct banking operations/ transactions on your TMB Bank accounts from your mobile phone. With TMB M-Banking you can access account information, transfer funds, recharge prepaid mobile number, DTH, book airline & movie tickets etc. Mobile Banking helps you bank while on move directly through your mobile phone. You can access information and conduct transactions on your TMB Bank accounts with the help of your mobile phone anywhere, anytime.

Who can avail of the TMB M-Banking Facility ?

  • If you are a TMB Bank customer with a Individual or Proprietorship relation with the bank with a valid savings/current/OD account, you can avail of this Mobile Banking Facility, by registering with us. TMB Bank offers Mobile Banking to all its resident customers.

What do I need to have for the TMB M-Banking Facility ?

  • As a TMB Bank customer, to be able to register for the Mobile Banking service you need to have :
    • Your mobile number registered with TMB Bank
    • A GSM operational handset with GPRS/SMS facility activated

How can I avail of the TMB M-Banking Facility ?

  • As a TMB Bank customer, you need to register for Mobile Banking service by: Visiting your nearest TMB Bank branch and filling in the application form (or)
    Downloading the application from the TMB website and duly filling it and submitting it to a nearest TMB Branch.

Do I need to be registered with any particular service provider to avail of this service ?

  • TMB M-Banking is not restricted to any service provider. This facility can be used through all GPRS providers, but only in India.

List of transactions that can be carried out with TMB M-Banking are :

  • Balance Inquiry
  • Mini Statement
  • Funds Transfer IMPS Self-Transfer Third Party Transfer
  • Cheque Book Request
  • Value added services Mobile Recharge DTH Recharge Movie Ticket Booking Air Ticket Booking

How do I register and download the TMB M-Banking Application ?

  • To avail of TMB M-Banking Application, you need to be registered for mobile banking. If you are not yet registered please
    • Fill up and submit the form at your nearest branch.
    • After registration, welcome sms will be send to the customer and MPIN will be send to communication address.
    • After getting welcome sms, customer has to send sms to 9282112225 to get download link & activation code.
    • Download and install the application, then change the MPIN and set log on password

How do I install TMB M-Banking Application on Java based phones ?

  • Step-1. Register for TMB M-Banking application.
  • Step-2. Sms "Download" to 9282112225
  • Step 3: You will receive an SMS from the bank with the download URL for TMB M-Banking and Activation code.
  • Step-4. Click on the link in the message.
  • Step-5. A web page will prompt you to select a desired language. Choose your desired language and click next.
  • Step-6. A drop down menu will prompt you to select the brand name of your mobile Handset. Choose your desired brand name Eg: (Nokia, Samsung etc)
  • Step-7. Another drop down menu will prompt you to select the model number of your mobile handset based on the brand name you chose in step6. Choose your desired model number from the list.
  • Step-8. Click on download option. The application starts downloading to your mobile.
  • Step-9. The message 'Application Untrusted, Continue?' will appear as this is 3rd party software Application for your phone... Choose 'Yes' and continue.
  • Step-10. For selected models, you will be prompted to choose Phone Memory or Mobile Memory for installing the application. Choose as per your choice and click 'OK' based on the model.
  • Step-11. After all the above steps, the application will install automatically. TMB icon will appear in the Applications or Games menu (depending on your phone model).

How do I install TMB M-Banking Application on Android/IPhone/Windows ?

  • Step-1. Welcome sms will be received by the customer at the time of registration.
  • Step-2. Sms "Download" to 9282112225
  • Step 3: You will receive an SMS from the bank with the download URL for TMB M-Banking and Activation code.
  • Step-4. Click on the link in the message.
  • Step-5. A web page will prompt you to select a desired language. Choose your desired language and click next.
  • Step-6. A drop down menu will prompt you to select the brand name of your mobile Handset. Choose Android/IPhone/Windows based on your mobile phone from the list.
  • Step-7. The application will re-direct to Playstore or Appstore or Windowsappstore based on your choice.
  • Step-8. Application will be downloaded and installed automatically. TMB icon will appear along with other apps.

Is there any per day limit to transfer funds on TMB M-Banking Application ?

  • Using TMB M-Banking you can do financial transactions to a maximum of Rs.50,000/- per day using fund transfer, prepaid mobile recharge. However this limit is subject to revision as per RBI guidelines.

Are there any charges for this facility ?

  • TMB Bank offers Mobile Banking facility free to all its customers, though operator charges apply.

What are the authorization/PINS needed to use in TMB M-Banking ?

  • To be able to use TMB M-Banking you will need to have :
    • Application Password: A 6 digit alphanumeric password is required at the time of login.
    • M-PIN: A 4 digit pin number is required to authenticate all transactions.
  • On registering for TMB M-Banking, M-PIN will be sent to communication address through post. You will need to modify your M-PIN before using them.
  • After downloading, at the time of first login, the TMB M-Banking application will prompt the user to create the application password. Customers are advised to maintain the password and M-PIN in a secret and safe manner.

If I have a Dual-Sim phone, can I have two different applications registered under each sim ?

  • No, One phone can have only one TMB M-Banking application even if it is Quad-Sim supported phone.

Can I have two applications on a single phone under two different Accounts/Cust-Id’s ?

  • No, One phone can have only one TMB M-Banking application. If and only if, the application is deleted, the phone will allow the installation of the same application again.

Can another TMB Bank customer use my TMB M-Banking application to access his/her accounts.

  • The application does not allow a non-owner to login with his/her credentials. The application will accept only your credentials and only your account details can be furnished.

What is IMPS used for ?

  • Immediate payment service (IMPS) is an instant electronic fund transfer service available with your mobile banking application. Using this service, one can transfer funds to other bank accounts and also to any other TMB Bank account. For more details on IMPS click on

To transfer funds within TMB, should I always prefer IMPS ?

  • Not necessarily. You can always use, third party transfer and self-transfer options in the MBanking application to transfer funds within TMB. IMPS can also be used for the same purpose.

How is TMB M-Banking different from other ways of doing mobile banking ?

  • TMB M-Banking application is your access to a simpler, faster and valuable banking service. TMB M-Banking is a downloadable application that you can store it on your phone for anytime access and that means you can now transact (24*7) on all 365 days of the year. All your transactions will be authorized by a 4 digit MPIN, thus ensuring safety and security. It works on GSM phones using GPRS.

What are the charges for downloading and using TMB M-Banking Application ?

  • TMB M-Banking Application is offered at no cost to TMB Bank customers. You can download and use this application as and when needed without being charged by the bank. Your mobile operator will levy charges for GPRS/SMS used. Please check with your operator for details.

Do I need a special phone for TMB M-Banking Application ?

  • This application will work on Java, Android, IOS and Windows enabled GSM mobile phones. Click here to check if your handset supports the TMB M-Banking application.

How do I know whether my mobile is Java enabled ?

  • To check whether your phone is Java-enabled, please refer your phone book manual or the phone manufacturer's website. Click here

What is GPRS ?

  • GPRS stands for General Packet Radio Service. It is a service which allows Internet browsing and data services on a GSM mobile phone. This service is provided by mobile operators as per various plans and fee structures.

What are the charges for the GPRS service ?

  • Individual mobile operators rates vary as per plan and services offered. Please contact your mobile operator for the charges.

How do I get the GPRS service for my mobile phone/operator ?

  • You can get it by calling your mobile operator and subscribing to a GPRS connection. Each operator has different ways of activating GPRS for connectivity. GPRS activation time may vary from operator to operator. Kindly contact your mobile operator for details.

Can I change my TMB M-Banking Application M-PIN ?

  • Yes. Application provides you the option of changing your M-PIN under settings -> Change MPIN.

While downloading, I get a message saying "Untrusted Application". What should I do ?

  • Please select 'YES' for this option. This option is specific to the mobile device and will not affect the application or mobile phone.

Where will TMB M-Banking Application get downloaded on my Java phone ?

  • The downloaded application will be stored in a particular folder of the handset, specific to each device. Typically it should reside either in the Applications or Games folder of your phone.

What if I get disconnected or my mobile phone switches off while performing a financial transaction ?

  • You can simply reconnect to TMB M-Banking and verify your mini statement/Balance Inquiry to check if the transaction has been successfully executed.

What if I get an SMS or a call while performing a transaction ?

  • On most handsets, you can answer the call or read the SMS while TMB M-Banking continues to run in the background. After you have finished your call, you can resume banking on TMB MBanking. For certain handsets however, you may need to re-open the application and login again.

Can I access TMB M-Banking when I am on national roaming ?

  • Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access TMB M-Banking anywhere in the country. You might be charged special roaming rates for using GPRS.

What if I delete/uninstall TMB M-Banking Application from my mobile phone by mistake ?

  • You will need to re-download the application on your handset. To re-download, the customer is required to request the bank for permitting a new download.

What if I want to change my mobile phone device ?

  • You will need to re-download TMB M-Banking Application on your new handset. To redownload, the customer is required to request the bank for permitting a new download. However, if you still have your old device in a working condition, you can simply de-register your TMB M-Banking application from the old device. The option to de-register is given under the settings menu of TMB M-Banking application. Upon successful de-registration, you can download and install the application again to the new device without requesting the bank. For download send sms to 9282112225 to get download link & activation code.

What if I change my mobile number ?

  • You will need to re-download the application and use new MPIN. TMB M-Banking Application will not allow you to login from a different mobile number other than the registered mobile number. In case of a change in your mobile number you will need to get it updated either through a TMB Bank branch or by calling our customer service or by emailing us at mobile_banking@tnmbonline.com.

What if I forget my TMB M-Banking Application M-PIN ?

  • You need to apply for new M-Pin. To apply for a new M-PIN, please contact the bank customer service. A new M-PIN will be sent through post to your registered communication address.

What if my TMB M-Banking Application gets locked.

  • Your Application will get locked after three consecutive wrong password attempts. To retry password, please call our Customer Care and request unlock.

What if I lose my mobile ?

  • Call our customer care and request for blocking the TMB M-Banking. You can download the same application once again, on your new phone

What if I forget my TMB M-Banking Application password ?

  • You will need to re-download the application and set new password.