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 yourbank's net banking websiteand 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.
IDFC FIRST Bank offers a seamless integration of net banking and mobile banking at the time of opening a savings account. The bank account also comes with features like real-time SMS alerts and e-statements to keep you updated with your account balance.What makes an IDFC FIRST Bank savings account unique is the competitive interest rates, monthly interest payouts, and zero fees on commonly used savings account services. This includes online money transfers, unlimited ATM withdrawals, free debit card and DD issuance, free chequebook reissuance and much more. You can open a savings account online with IDFC FIRST Bank instantly from the comfort of your home with minimal documentation.
2.Use a UPI app
Another 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.
ATM usage charges may apply beyond the free limit. However, if you own an IDFC FIRST Bank savings account, you can enjoy free and unlimited withdrawals along with account balance queries and money transfers without worrying about any fees and save more in your bank account.
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 card details . 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 theOTP sent to your registered mobile number to check your account number.
9. Contacting Customer Service
You can call your bank’s customer service helpline and inquire about your account balance by providing your account number along with other verification details, such as name, address, or date of birth.
10. Visiting the Bank Branch
While it may not be the most convenient option, visiting your nearest bank branch and presenting identification documents along with the account number is a reliable way to check account balances.
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 youronline 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 amobile 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.
Account monitoring is an important part of your personal budgeting, and you must always stay updated with your account balance. Moreover, consistent monitoring also allows you to stay vigilant of fraudulent transactions. IDFC FIRST Bank offers SMS andWhatsApp bankingto effortlessly access services such as checking your bank account balance and taking full control of your savings account.Open a savings accountand benefit from these features today!
