Don’t have time to visit a PNB branch? No problem! Check balance in PNB account with PNB SMS banking. Read our guide to learn how.
Being an account holder of Punjab National Bank, knowing about PNB SMS Banking is worthwhile. Whenever you need to check your account balance and if you are unable to visit the bank, that’s when SMS banking comes in handy.
Hang on, read the article to know more. This PNB SMS Banking will let you check your account balance from the comfort of your own home.
Register for PNB SMS Banking.
Visit a nearby PNB branch and register your mobile number for PNB SMS Banking. Submission of the mobile registration form may require other KYC documents too. As changing or updating mobile numbers is a delicate matter and banks usually put a stringent policy of changing contact details.
Suitably, if you provide a valid ID Card such as Aadhaar Card, Driver’s Licence, Voter Card or Passport, your mobile registration request will be done in no time.
Once the registration process is completed, you may get the confirmation message on your mobile number as well. Now, see the list of services you can get by sending an SMS “PNB PROD” to 5607040.
Services That You Can Use
With PNB SMS Banking you can do the following tasks
| 1 | You can check your bank account balance. |
| 2 | If you have applied for a chequebook, you can see the status of the cheques. |
| 3 | Getting a mini-statement which is usually the last 5 transactions you have done. |
| 4 | You can execute stop payment of cheques. This is useful for lost or damaged cheques though it may charge you. Bank charge ₹100 per cheque or savings bank account and if it’s a range of cheques then it will be ₹300. For the current account, the bank charge ₹200 per cheque and ₹600 if it’s a range of cheques. |
| 5 | Self-fund transfer of ₹5000 daily. |
| 6 | Facilities to enable and disable services like Internet Banking and Mobile Banking are very useful when you have a doubt about the integrity of your user credentials. |
Check Balance in PNB Account
To check balance in PNB account you have to send the following SMS to 5607040
BAL<Space> 16-digit Account Number
Example: BAL 015300**********
Cheque Stop Payment Request
When you have a lost or damaged cheque which may give you certain losses in the future, you can go for Cheque Stop Payments by sending the following SMS to 5607040
STPCHQ<Space>Cheque Number<Space>Account Number
Example: STPCHQ 123456 015300**********
For Getting Account Mini Statement
To get your account mini statement you have got to send the following SMS to 5607040
MINSTMT<Space>16-digit Account Number
Example: MINSTMT 015300**********
Cheque Status Enquiry
To see the status of a particular cheque you can send the following SMS to 5607040
CHQINQ<Space>Cheque Number<Space>Account Number
Example: CHQINQ 123456 015300**********
Self Fund Transfer
You can use the facility of self-fund transfer with a daily limit of ₹5000. To send funds between your bank accounts you have got to send the following SMS to 5607040
SLFTRF<Space>FROM AC Number<Space>TO AC Numebr<Space>Amount
Example: SLFTRF 015300********** 015300********** 5000
Disable PNB Internet Banking and Mobile Banking on a Go
In case, if you want to disable your PNB Internet Banking and Mobile Banking due to data privacy issues, you can do so by sending the following SMS to 5607040 or 92640-92640
BLOCK IBS for Retail Internet Banking Users
BLOCK MBS for Mobile Banking Users
Receive your account balance via SMS
Getting your account balance by sending an SMS is one thing. But if you register for PNB SMS alert Services you don’t have to send SMS manually. Every time you do something with your account, an alert will be sent to your registered mobile number.
These may include transactions done through ATM Cards, Internet Banking and Mobile Banking. Financial transactions done over the counter of ₹5000 and above will get the SMS alert.
Not only financial transactions, if any updation is done with the bank account, be it a mobile number change request or KYC request. When it is done you get the SMS alert.
PNB SMS Alert Registration and Fee
For availing of the PNB SMS alert service, you have to fill up the SMS alert request form and submit it to the concerned staff. KYC document verification may require. Produce if the bank request for the same.
A nominal fee of ₹15 will be deducted from your bank account every quarter. Bank charge ₹25 per quarter if the account is other than a savings bank account.
If your bank account is under the following types of bank account, the SMS alert service charge may waive. These accounts are-
| 1 | Basic Savings Bank Account |
| 2 | Prime Minister Jan Dhan Yojana Account |
| 3 | Senior Citizens Savings Account |
| 4 | Student account such as Vidyarathi Bank Account |
| 5 | Mitra, Staff and Ex-Staff Bank Account. |
Benefits of PNB SMS Banking Services
PNB SMS Banking Service is a kind of banking service that enables you to access your bank account to know or request certain basic banking requirements by sending a predefined SMS to a particular system number. This sort of banking on mobile is quite useful as it gives you the option to choose whether to visit the branch or do the task from the comfort of your home anytime.
| 1 | Available to any customer who has registered for PNB SMS Alert service. |
| 2 | It enables you to track your bank account in a much more efficient way with balance enquiry and mini statement requests. |
| 3 | It let you detect any unauthorised transaction on time and put you in a better position to get it resolved. |
| 4 | When you are unable to reach out or visit the bank for a self-fund transfer of below ₹5000 you can do it at your convenience. Not only this, you have other useful services at your disposal by using SMS Banking. |
| 5 | Internet Banking and Mobile Banking user setting like disabling and enabling of IBS and MBS lets you control financial loss due to cyber crimes. |
Conclusion
It’s important to understand your bank account details and checking the account statement once in a while is a required obligation that one has to perform. This will let you properly dissect and understand the fees and money transfers that you have made in the past.
With PNB SMS Banking, checking your account balance is quick and easy. With just a simple SMS to 5607040, you can get it instantly. Other than balance enquiry, you can do basic banking requirements such as self-fund transfers, Stop Cheque Payments, Mini Statement requests etc.
Using PNB SMS Banking and PNB SMS Alert services, you may be in a better position to handle your bank account without visiting the bank. This way, you can stay on top of your finances and avoid any unexpected surprises including the unauthorised transaction in your bank account.
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