Garima Digital Batuwa provides convenient mechanism and quick access to banking services for Garima Bikas Bank customers from their mobile devices. The popular services are balance inquiries, recent transaction details, e-recharges and bill payment to utilities like Ncell postpaid, Ncell prepaid, Top up, NTC ADSL, NTC landline and NTC postpaid mobile phone bills. Garima Smart Mobile Banking integrated with Fonepay enriches our customer with more enhance services like Interbank fund transfer, Garima Bikas Bank merchant payments and alert through Google Cloud Messaging (GCM).

Services:

• Check an account balance and recent transactions history.
• Person-to-person payments.
• QR payment
• Wallet Load
• Receive text messages and push notifications on the user’s activity, as well as alerts.
• Make bill payments (utility services, payments for mobile communications and Internet, electronic tickets).
• Locate the closest ATM or a bank branch.
• Get on-demand reports and summaries for user’s account activity. 

Benefits:

• Convenience-You can not only transact and manage your accounts no matter where you are, but also whenever you need.
• Ease of Access-You can easily access your account 24X7 and transfer funds whenever needed.
• More Security-You can beef up the reliability of the financial transactions once you log into your Mobile Banking app by using a multi-level authentication system that demands the user to go through a two (or more) pronged security set-up before managing the account.
• Helps you track your Finances-You can always monitor your account balance and transfer money from a different account if need be. You can check your balance and statement anytime.
• An environment-friendly Way-Mobile Banking is an environmentally friendly way of banking. It does away with the use of paper as every notification as the transaction is electronically controlled.
• Minimizes errors-A comprehensive application will greatly minimize errors that users could make.
• Garima Smart Mobile Banking application can be downloaded from Play Store (Android Phone) and App Store (IOS Phone). This application supports both Web-based (online) and SMS based (offline).

Security Measures and Tips:

• Do not give app access to unknown users.
• Always download the application from secured sources like Play Store and App Store.
• Downloading application from 3rd party or from unknown sources should be avoided
• While accepting collection request care should be taken to ensure that correct recipient has been approved
• Don’t forget to inform the bank about your new mobile number in case your mobile number is changed to ensure that you receive SMS notifications
• Be cautious while accepting offers such as caller tunes or dialer tunes or open/download emails or attachments from known or unknown sources
• Don’t store sensitive information such as Credit Card details, Mobile Banking password, user ID etc. on your phone /computer.
• Change your PIN regularly
• Be cautious while using Bluetooth in public places as someone may access your confidential data/information
• Don’t click on links embedded in emails/ social networking sites claiming to be from the bank