How can I check my Rakbank ATM balance ?

Owning a debit card grants you easy access to your bank account. A debit card operates as a prepaid card that is connected to your savings account. Each time you utilize it to withdraw cash from ATMs, make online payments, or swipe it through card machines, the transaction amount is subtracted from the linked account. Hence, when we mention the debit card balance, it simply refers to the available funds in your account. This article explores several convenient approaches to check your debit card balance, all of which are incredibly straightforward and hassle-free.

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Utilize Internet Banking

Internet banking stands out as one of the most convenient means to access your debit card balance online. If you are an internet banking user, all you need to do is log in to your account. Select the bank account linked to your debit card and review the balance or transaction details. If you haven't activated this service, a visit to the branch and an application submission will be required. Some banks provide an insta-kit during account opening, containing immediate access details for internet banking.

Leverage Mobile Banking App

Numerous banks, both public and private, offer their services through mobile applications. This practical solution is especially useful for those leading busy lives. Additionally, with the increasing use of the internet and smartphones, these online platforms have gained significant popularity. If your bank has its own mobile app, simply download it and utilize it for both financial and non-financial transactions, including balance inquiries. All you need is a smartphone with an internet connection.

Make Use of Your Bank's Phone Banking Facility

Phone banking is a service provided by banks to assist customers in conducting various financial transactions over the telephone, eliminating the need to visit a branch or ATM. You can access your bank account from the comfort of your home and check your debit card balance using this service. Keep certain information handy, such as your Telephone Identification Number (TIN), debit card details, and Customer Identification Number, in order to verify your identity. Phone banking is typically handled by Interactive Voice Response (IVR) or phone banking executives, depending on the nature of your transaction.

Perform Balance Inquiry Through Missed Calls

The introduction of the "Missed call facility" for balance inquiries represents an innovative step taken by banking authorities. All you have to do is give a simple missed call to a specific number provided by your bank. Within a minute or two, you will receive a text message containing details of your debit balance. However, this service only functions with registered mobile numbers. Unless your phone number is linked to your account, no information will be provided ,To register your mobile number, you can visit the branch office or complete the process via your bank's ATM or by sending an SMS to a specific number. This registration process is similar to signing up for the "SMS alert" service. Banks usually levy charges for this facility, typically on a quarterly basis.

What is SBI Quick?

If you hold an SBI account, there is a highly useful option available to you ,SBI has introduced a new method to assist its customers with debit card balance inquiries. The "SBI Quick" app allows customers to perform a range of banking services by simply giving missed calls or sending SMS messages with pre-defined keywords to pre-defined mobile numbers. The services offered by the Quick app include balance inquiry, mini statement, ATM card blocking, and loan inquiries , The SBI Quick app can be found on individual app stores for Android, iOS, and BlackBerry devices. Once installed and registered, you can use the app without an internet connection. You can send SMS messages or give missed calls for your desired services.

Send SMS to SMS Banking Number

With the SMS Banking Service, you can easily access your account and check , your debit card balance, regardless of your mobile service provider. Although charges may apply, depending on your service provider, you do not require a smartphone or an internet connection to use this facility. All you need to do is send an SMS with a specific code from your registered mobile number to a designated number provided by your bank ,For instance, if you have an account with Oriental Bank of Commerce:

- To inquire about your account balance, type "ACBAL14-digit account number" and send it to 9915622622.
- To request a mini statement, simply replace "ACBAL" with "STM".
Ensure that you use the registered mobile number for these purposes.

Update Your Passbook or Obtain an Account Statement

In a more traditional approach, you can update your savings passbook to check your debit card balance and transaction details. Alternatively, you can request an account statement online, which will be sent to your email address Usually, banks email monthly transaction statements to customers who use the net banking facility.

Use ATMs to Insert Your Debit Card

Another method to check your debit card balance is by utilizing ATMs. Insert your debit card into the ATM machine and follow the instructions displayed on the screen to choose the balance enquiry option ,However, it's important to consider the ATM transaction charges. Charges may apply when the number of ATM transactions exceeds the free limit set by the bank ,These are some simple ways to check your debit card balance. However, depending on your bank's policies and your account type, you may be subject to certain charges when using these methods. Therefore, it is advisable to gather sufficient information from your bank regarding the applicable fees ,Additionally, it is crucial to remain vigilant when using your debit card to protect your hard-earned money.

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