Remote banking

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One of the The remote banking means are ATMs. to avoid the long lines at the banks. The cell phone technology that accompanies us practically all day is the ideal complement to be able to get the most out of our banking, and it is in this type of technology that there are two alternatives to using remote banking, through online banking through plataformas Web o las distintas aplicaciones, and telephone banking. Others Let's take a closer look at each of these, starting with ATMs.

ATM machines

ATM machines They can be considered vending machines, in other words, 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 advantage of being fully automated, y además cuentan con una serie de soportes para que el Username pueda acceder la información requerida sobre los niveles de seguridad según el tipo de trámite.

The first thing we need 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 to ensure that in case of loss or theft of one of these cards you cannot enter the data or money that is inside this account, you need a PIN, which is a secret number that only the account owner should know. Once the PIN is entered, the user will be able to have account access.

It should be explained that this number must be entered, in the most ATMs, during each movement you want to make. It is very important that the account holder never gives this number to anyone, because in that case all your information would be at risk if someone tries to misuse that number.

Among the many movements that ATMs enable us to do With reference to cash we can withdraw or also deposit money in our account, as well as make deposits in some other account or make payments for some of our services such as telephone or internet services.

Other options that allow us to make these machines is to make inquiries regarding our accounts, such as checking the balance in our favor or debts, we can also check the status of our investments. This makes our lives much easier, since the time invested in making all these queries is much less than in attending the branches.

The only downside that this remote banking system is that there is the opportunity that some commissions are charged for doing certain procedures, and if they are ATMs of our bank we may have the right to make movements without charge, however, if we use the ATMs of other banks, these commissions may represent High amount if we do not have them present when making use of one of these.

Online bank

On line bank It is, by definition, a contract in which the bank account holder is authorized to enter the bank's database through the different 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 essential that we clarify this issue with the executive, at the same time that when 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 perform the different online procedures. This method is undoubtedly the fastest of the three types of remote banking that exist and one of those that allows you to do more paperwork.

Among the actions that this platform enables you to perform, we can find the Bank transfers, through which we can make payments for a service, or basically make payments to a third party without having to go to withdraw and deposit money into someone's account more, so the time and energy savings are considerably high. Another advantage that this type of banking makes possible is to be able to make various inquiries, such as our balance, our debts, our investments, among other types of information that we require to be aware of our bank accounts.

At this time it is also feasible that from this internet platform Not only do we carry out movements in our accounts, but also procedures for which we would have to go to the bank first. Some of the procedures that these platforms make possible are the request for loans, as well as the quotation and contracting of automobile and personal insurance, etc. At the same time, direct debit orders can be issued to further facilitate the payment of our services.

It is even possible to obtain information from the different financial markets if our account enables us to make investments, in this way we can make better investments, having a more solid information base to justify our decision. Undoubtedly, these platforms are quite useful in our day to day.

Now, online banking has many benefits that make it easy to the use and management of our bank accountsHowever, it is essential to pay attention 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 in fact fraudulent. And at the same time as the opportunity that we lose money, there is also the opportunity that our information is stolen, but this can be avoided if we do it use of pages or platforms in which the security levels are adequate and certified.

Another of the disadvantages of these platforms There is no advisor involved, so if any questions arise we will have to look in the different forums or tutorials. Even if to avoid this, some banks have created live chats so that users can answer all their questions. But you only have access at the indicated times. For everything else, this option is undoubtedly the best to be able to perform remote banking movements.

Telephone banking

Finally, we will talk about 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 explain is that there are two alternatives to be able to perform the movements by phone; La primera es mediante un menú ya programado, en el que se indican los diferentes campos de información a los que podemos entrar aportando nuestros datos adecuados. La segunda vía es mediante operadores que disponen la capacidad de solucionar cualquier duda o realizar cualquier movimiento no previsto en la programming.

As the on line bank, You need a contract that specifies all our rights and all the possible actions that we can take over the phone. The operation is quite easy, since it starts with a phone 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 uso de mensajes SMS so that your customers can schedule several orders, or also so that they can receive the different notifications of the status of your movements or transactions. Es esencial que todos estos detalles se aclaren en el momento de firmar el contrato, puesto que así lograremos conocer todas las alternativas a las que tendremos acceso. Ahora bien, es sumamente importante que cuidemos que los números a los que nos comunicamos y que se comunican con nosotros estén totalmente autorizados, y nunca debemos dar demasiada información, puesto que indudablemente hay algunas persons que podrían intentar robarnos nuestra información. .