Telephone banking is an automated system provided by the bank to access your bank account information by using the touch tone telephone. This type of telephone banking system allows you to access your bank balance and make the necessary transactions. As soon as you dial the bank’s dedicated phone number, you will be guided through the system and based on the offered menu of various options, you can decide to access the particular information you need.

All you have to do is dial the number for the telephone banking service in question and simply follow the menu list provided with instructions. You can access the appropriate service by following the step-by-step instructions provided to you over the phone. This telephone banking system provides you with a 24-hour banking access service and you can enjoy this service from the comfort of your home.

This system allows you to perform many banking-related activities, such as the following:

• You can check your bank balance
• bills can be paid
• Your bank deposits and other related bank transactions can be tracked.
• A checkbook request can be made
• You can block your debit or credit card simply by leaving instructions on the phone. Such a situation can arise when you suddenly realize that your debit card or credit card is missing or stolen.
• You can even request a stop payment on a check

All the above transactions can be done in two ways. One way is by using the facilities of the banking service and the other way is to talk to a live interested banker to do your banking. Therefore, this concept of providing banking services over the phone has given full flexibility to the customer in terms of managing their bank account, according to their individual requirements and lifestyle. But to gain access to the telephone banking system, one must first go through a special authentication procedure through which the client must possess two basic data.

One is your Personal Identification Number (PIN). Both of these pieces of information are unique and important in gaining access to your bank account information through the telephone banking system. To receive the benefits of automated telephone banking, you must use a telephone system that is a touch-tone telephone. On the other hand, if you do not have a touch-tone telephone, you can call the bank representative in question. This person will first ask you a security-based question and, if you pass this verification test, you will receive all the necessary assistance regarding your bank transaction request.

These days, we have the concept of call center, which is a blessing for bank customers. The customer can call the customer service advisors who are ready to handle his cell phone. You just have to take the initiative to make the right phone call by accessing the telephone banking service. The telephone banking system is safe and convenient for all banking customers. Personal account information can be accessed 24 hours a day, 7 days a week. Be sure to cultivate the right habits while using the telephone banking system. You should not write your bank account number and telephone banking Personal Identification Number (PIN) on a piece of paper. Try to memorize the PIN details and your account number so that you can use this information efficiently while using the telephone banking system.