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How to Check Bank Balance? Research Team | Posted On Thursday, June 20,2019, 06:06 PM

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How to Check Bank Balance?



The traditional method of banking is at an end. With digitization, users have access to new ways in which banking services can be availed. A customer does not need to stand in long queues or visit the bank branch to know his account balance. So, step forward and use the range of online services to check your bank account balance.

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How to Check Bank Balance?

With digitization of banking services, a user has many options to avail these services. It is possible to check your bank account balance, even without visiting your bank branch. Banks have introduced several ways through which customers can remain updated on their account balances i.e. online banking, mobile banking, SMS services, checking balance through UPI apps or by visiting the ATM kiosks.  

Online Banking: Online banking or internet banking helps customers carry out banking activities online, that were traditionally offered by banks through physical bank branches. All you need to have is a steady internet service. To check your account balance using net banking, you can log on to your net banking account using your password and login credentials on the bank’s net banking website. On the home page, you will find a range of banking facilities including account balance check or account statement. Select the icon/option to check your account balance.

Mobile Banking Apps: Mobile banking is a service offered by banks and other financial institutions, through which you and other customers can conduct financial transactions and avail banking services by downloading apps on smartphones. The apps can be downloaded on Android phones using the Google Play Store.

See Also: Types of Bank Accounts That You Must Know

Bank customers can use mobile banking services free of cost. The mobile banking service is convenient and user-friendly and works in a similar way as net banking. The user must login to the mobile banking app using the login credentials. The login credentials of mobile banking and net banking are the same.  Once you log in, you will find a variety of options on the homepage. Click on the ‘check account balance’ option and your account balance is displayed on the screen.

SMS: Bank customers who do not have access to mobile network or internet banking facility can also check their bank account balances by making use of the SMS facility. To access this facility the customers have to register their mobile number with their bank (home branch) and link it to their accounts. The customers can register the mobile number while opening their bank accounts. In case of a change in mobile number or if a customer has not registered his mobile number while opening the account he can follow these steps:

  • Fill and submit the SMS banking application form.
  • You will receive an MPIN on your registered mobile number.
  • You will also receive a confirmation on the registered mobile number.

Once the number has been registered with the bank where you have an account, you can easily use the SMS banking service. You can send an SMS to the number and format as specified by the bank.

See Also: What is a Savings Bank Account?

Visiting an ATM: A customer can also check savings/current account balance using a debit card. The debit cards are linked to the customer’s savings bank account. This service can be accessed from ATMs of any bank:

  • Visit a nearby ATM
  • At the ATM, insert your debit card in the card slot.
  • Enter your ATM PIN in the requisite space on the screen
  • The screen displays a range of options like balance enquiry, cash withdrawal and so on
  • Click on ‘balance enquiry’ option
  • Your bank account balance will be displayed on the screen.

UPI: A customer can also check bank account balance using Google Pay or any other UPI payment apps. The customer must download a payment wallet service on his android phone and register before he can access or carry out any banking procedures. If you have already registered, follow the steps given below to check account balance:

  • Open the UPI payments app
  • Click on the ‘bank account’ option on the screen
  • The page displays a list of accounts that are connected to your UPI app.
  • Select the account whose balance you want to check.
  • Select on view balance option and enter your UPI PIN.
  • The account balance will be automatically displayed on the screen.

See Also: Features of an SB Account

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