Current life It is full of activities to carry out every day, from going to work, exercising, shopping, playing with the children, doing housework among many others; For this reason, the time that we have left daily is not enough to be able to attend all our tasks, especially those that imply being trained for a certain time to carry out procedures, as was the case with banks.
Precisely to meet this need of the customers, remote banking was developed, which allows us to carry out movements without the need to waste so much time. But there are several types of remote banking so that we can make better use of our time, learn what they are and how to make use of them.
One of the means of remote banking are ATMs that avoid us the long lines of the banks. The mobile technology that accompanies us practically all day is the ideal complement to be able to make the most of our banking, and it is in this type of technology that there are two ways of using remote banking, through online banking through web platforms or the various applications, and telephone banking. Other Let's take a closer look at each of these starting with the ATMs.
ATMs
ATMs They can be considered vending machines, that is, they are in public places, and practically anyone can use them. Its technology allows us to carry out some procedures from our account. These ATMs have the advantage of being fully automated, and they also have a series of supports so that the user can enter the required information on the security levels according to the type of procedure.
The first thing we require to be able to use one of these machines is a personal cardI know about savings, credit or a savings book. But this is not all, because in order to guarantee that in case of loss or theft of one of these cards, the information or the money that is inside this account cannot be accessed, a PIN is required, which is a secret number that only the owner of the account should know. Once the PIN is entered the user will be able to have account access.
It should be clarified that this number must be entered, in the most ATMs, during each movement you want to perform. It is very important that the account owner never provide this number to anyone, because in that case all your information would be at risk if someone tries to make inappropriate use of said number.
Among the many movements that ATMs allow us to do, With reference to cash we can withdraw or also deposit money to our account, as well as make deposits to some other account or make payments for some of our services such as telephony or internet services.
Other options that allow us to make these machines is to make inquiries regarding our accounts, such as consulting the balance in our favor or debts, we can also consult the status of our investments. This makes our life much easier, since the time invested in making all these queries is much less than attending the branches.
The only downside to this remote banking system is that there is the possibility that some commissions are charged for carrying out certain procedures, and if they are ATMs of our bank we may have rights to make movements without charge, however, if we use the ATMs of other banks, these commissions may represent a high amount if we do not have them present at the time of making use of one of these.
On line bank
Online banking it is by definition, a contract in which the owner of the bank account is authorized to access the bank's database through the various products available on the internet.
This service is offered by most banks as an extra to normal services, but in the vast majority of cases it does not have any additional cost. However, it is important that we clarify this issue with the executive, in addition to the fact that at the time of making this contact it is very important that we clarify any questions about what services we have and how we should use them.
In this area there are two options, the first is to do use of web platforms, and the second is to make use of the mobile apps. We clarify this because each one, due to the interface, has different formats and also destinations levels of security, in some cases banks will provide you with a security number to be able to make the different procedures online. This method is without the slightest doubt the fastest of the three types of remote banking that exist and one of the ones that allows you to do more paperwork.
Among the actions that this platform allows you to perform we can find the Bank transfers, through which we can make payments for a service, or simply make payments to a third party without having the need to go to withdraw and deposit money into someone's account more, so the saving in time and energy is considerably high. Another advantage that this type of banking allows is to be able to carry out various queries, such as our balance, our debts, our investments, among other types of information that we require to be aware of our bank accounts.
Currently it is also possible that from this internet platform let us carry out not only movements in our accounts, but also procedures for which we would previously have to go to the bank. Some of the procedures that these platforms allow is to request loans, as well as to quote and contract auto, personal insurance, etc. In addition, direct debit orders may be issued to further facilitate the payment of our services.
It is even possible to obtain information from the various financial markets if our account allows us to make investments, in this way we can make better investments, having a more solid base of information to justify our decision. Without a doubt, these platforms are quite useful in our daily life.
Now, online banking has many benefits that facilitate the use and management of our bank accountsHowever, it is important to note that there are also some disadvantages, let's see what they are. The most important thing and what we must be careful with is fraud, since there may be internet sites where we can make alleged subscriptions or payments, but which are actually fraudulent. And in addition to the possibility that we may lose money, there is also the possibility that our information will be stolen, but this can be avoided if we do use of pages or platforms in which the security levels are adequate and certified.
Another disadvantages of these platforms is that there is no advisor involved, so if any questions arise we will have to search the various forums or tutorials. Although to avoid this, some banks have created live chats so that users can answer all their doubts. But you only have access at the times indicated. For everything else, this option is undoubtedly the best to be able to perform remote banking movements.
Telephone banking
Finally, we will talk about the banking by phone. This option is one of the least used by users, but it has many advantages if we know how to make the most of it. The first thing we have to clarify is that there are two ways to be able to carry out the movements by phone; The first is through a menu already programmed, in which the different information fields that we can access are indicated by providing our appropriate data. The second way is through operators who have the ability to resolve any doubts or carry out any movement not foreseen in the programming.
Like the online banking, a contract is required in which all our rights and all the possible actions that we can carry out by telephone are specified. The operation is quite simple, since it begins with a telephone call, and the same system or the operator in charge will give us the instructions to be able to solve our doubts and carry out the authorized movement destinations.
Several of the banks have also implemented the use of SMS messages so that your clients can schedule various orders, or also so that they can receive the various notifications of the status of your movements or transactions. It is important that all these details are clarified at the time of signing the contract, as this way we will be able to know all the options to which we will have access. Now, it is extremely important that we take care that the numbers to which we communicate and that communicate with us are completely authorized, and we must never give too many information, since there are undoubtedly some people who could try to steal our information. .