• • Any non-individual is treated as a corporate. Any corporate maintaining an account with any branch of The Kalyan Janata Sahakari Bank Ltd. can avail Corporate Internet Banking.

• • No. Corporate Internet Banking as the name itself indicates is meant exclusively for corporate customers (non-individuals). For individual customers Retail Internet Banking facility is separately available.

• • Retail internet banking is a single user service whereas Corporate Internet Banking provide for multiple users with varying powers as per requirement of the Corporate. In fact, under Corporate Internet Banking the Corporate gets the capability to grant discretionary access to banking accounts by internal users and dynamically manage permissions to banking transactions and monitor them.

The Corporate Internet Banking Facility is available round the clock for all non-individual customers. The features of Corporate Internet Banking are as follows :

• • Fund transfer to own or other accounts in Kalyan Janata Sahakari bank (Intra bank fund transfer)
  • Fund transfer to beneficiary accounts in other banks through NEFT (Inter Bank fund transfer)
  • Salary upload / Bulk NEFT upload facility for salary payments
  • Single as well as Bulk Fund transfer
  • View loan account details at a glance & download in various formats
  • View account balance, contact details and banking relation.
  • Download statements of multiple accounts in various formats
  • Cheque status enquiry
  • Multi-level authentication
  • Safe and secured online banking

The list of possible role in Corporate Internet Banking is as follows :

• • Maker - The one who create the transaction.
  • Checker - The one who checks the transaction before authorization
  • Authorizer : The one who authorizes the transactions

Checker and authorizer can be a single person. Rights of all the users decided by authorized signatory of accounts.

• • Requests for NEFT transactions are accepted on Holidays & Sundays (Holidays and Sundays as defined by RBI) but the actual debit from your account and corresponding credit is processed only on the next working day.

• • Yes, The daily transaction limit per user is as instructed by authorized signatory in Corporate Internet Banking application form.

• • Login password complexity should be in the form of at least 8 alphanumeric characters consisting of 1 upper case alphabet, 1 lower case alphabet, 1 number and a special character.
  • Your new password cannot be the same as your last login password.
  • Your login password will expire in 90 days after which you have to change your password.

• • OTP is One-time password which is introduced as an additional transaction feature to protect your account to avoid online frauds. OTP is a unique six digit numeric code sent to your registered mobile number.

• • Yes. NEFT transactions can also be done in file mode

• • For Bulk fund transfer (Within Kalyan Janata Sahakari Bank accounts): Your account will be debited with a single total amount and multiple accounts will be credited with various respective amounts as entered by you.
  • For Bulk fund transfer (NEFT) : Your account will be debited with various amounts entered by you and multiple accounts will be credited with various respective amounts.

• • Yes. Customer can use the bulk upload facility for a variety of transactions such as intra & interbank transactions, salary payments, vendor payments, bill payments, tax payments etc.

• • Cheque status request displays the status of any of your cheque whether issued / paid / stopped.

• • No. Corporate Internet Banking registration is absolutely free of cost. There is no prescribed fee or AMC charge.

• • Our Corporate Internet Banking website www.kalyanjanata.net is a secured site having EVSSL certificate, which is indicated by padlock symbol. Extended Validation SSL Certificates give high-security web browser information to clearly identify a website's organizational identity.
  • If you use Microsoft Internet Explorer 7 to visit a website secured with an SSL Certificate that meets the Extended Validation Standard, Microsoft Internet Explorer 7 will cause the URL address bar to turn green. A display next to the green bar will toggle between the organization name listed in the certificate & the Certificate Authority (trust)
  • Firefox 3 also supports Extended Validation SSL. Other browsers are expected to offer Extended Validation visibility in upcoming releases. Older browsers will display Extended Validation SSL Certificates with the same security symbols as in the existing SSL Certificates.

• • Access your bank website only by typing the URL in the address bar of your browser.
  • Do not be lured if you receive an e-mail / SMS / phone call promising reward for providing your personal information or for updating your account details in the bank site.
  • Do not reply to any fraudulent mails purportedly sent by KJSB or any other authorities asking for your mail ID as well as Passwords and any other details. Please delete such mails because this is a phishing mail and accessing the mail in any manner could result in identity theft.
  • Scan your computer regularly with Antivirus to ensure that the system is Virus / Trojan free.
  • Avoid accessing Corporate banking accounts from cyber cafes or shared Pcs. If you get a message (such as through a pop-up) asking information about your Debit Card or any account Details, please do not provide this information no matter how ‘genuine' the page appears to be. Such pop-ups are most likely the result of malwares infecting your computer.
  • Never use cyber cafes to access your online accounts :
    Pcs at cyber cafes may be infested with viruses and Trojans that can capture & transmit your personal data to fraudsters. Beware of typing passwords on unknown PCs. If you do, ensure to change your password at the earliest using your own PC at your workplace or at home.
  • Use the Virtual Keypad:
    Please remember to always use the facility of the Virtual Keypad, provided on the login page while logging on to your account from an unknown PC or from a cyber café.
    • Check the website you are visiting is secure. Before submitting your bank details or other sensitive information the following checks will help ensure that the site uses encryption to protect your personal data: If the address bar is visible, the URL should start with ‘https://' ('s' stands for secured) rather than the usual 'http://'.
    • Please note fact that the website is using encryption doesn't necessarily fully protective. It only tells you that data is being sent in encrypted form.
  • Following the above steps would help you transact over the net in the most secure environment. We reiterate the following simple precautionary measures :
    • Never let anyone know your PINs or passwords, do not write them down. Do not use the same password for all your online accounts.
    • Use virtual keypad.
    • Avoid opening or replying to spam emails, even if purportedly sent by the Bank.
    • Do not be lured if you receive an e-mail / SMS / phone call promising reward for providing your personal information or for updating your account details in the bank site.
    • In case of suspicion, report the matter immediately to us on our customer care number or email us at internetbanking@kalyanjanata.in
    • Look for the padlock symbol on the bottom bar of the browser to ensure that the site is running in secure mode.
    • Disable the "Auto Complete" function on your browser to prevent your browser from remembering Passwords.
    • Always logout to terminate your session, instead of closing the browser directly.
    • Always type the address of the bank’s website in the address bar of your browser or access it from your stored list of favorites.
    • Do not access the bank's website through a link in an email or through another website.
    • Avoid accessing Internet Banking through cyber cafes or public Wi-Fi spots.
    • Using special characters like # $@ etc. in your password is highly recommended.