How to Check Your Bank Statement Online

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Key Takeaways

• e-bank statements provide the convenience of accessing and monitoring your financial transactions online.
• You have two ways to look at your bank account online: Net Banking and mobile app
• The online banking systems let you monitor your accounts constantly and provide real-time balance updates.
• Online review of your bank statements helps you to be informed about your situation, properly manage available funds, and spot erroneous transactions or fraudulent activity.

The days when personally visiting a bank was the only way to get a record of your financial activities are long gone. These days, with digital banking, you may easily view your bank statements. Online, your whole transaction history is clearly arranged in a chronological order. The bank automatically updates the summaries of your total debits, credits, and closing balance after all of the transactions.

What Does a Bank Statement Contain?

A bank statement is a snapshot of your account activity over a set period, usually a month. It helps you track income, spending, and bank charges. It typically includes:

Your Account Details

• Name, account number, and type (e.g., savings or current).

Bank Information

• Bank name, branch, and contact details.

Statement Period

• The start and end date covered in the statement.

Balances

• Opening balance: Amount at the start of the period.
• Closing balance: Amount at the end.

Transaction History

• Date: When the transaction occurred.
• Description: Where or how the money moved (e.g., ATM withdrawal, salary credit).
• Deposits (Credits): Money added.
• Withdrawals (Debits): Money spent.
• Updated balance after each transaction.
• Interest Earned (For savings accounts, if applicable).

Fees & Charges

• ATM fees, maintenance fees, overdraft charges, etc.
• Important Bank Notices

If you want to review your bank statement online, you can easily do so using our digibank mobile app or internet banking. For the digibank app, log in and open the Global menu (three lines at the top left), select "e-Statements," and click "Generate Custom Statement." Then, choose your account and date range, and submit. For internet banking, log in with your mobile app credentials, go to "e-Statements," click "Generate Custom Statement," and follow the prompts. Your e-Statement will be emailed to your registered address. If you don't have an email registered, you can add one via the "Register" option in the error message on the digibank app.

Step-by-step process to view your bank statement online

1. Sign in to the mobile banking app or visit your bank's Net Banking portal online.
2. From the menu, select "e-bank statement" or "e-passbook" option
3. By entering the statement period, one can view the debit and credit information for a particular time frame.
4. Choose to get the bank statement at your registered email address or download it.

These guidelines will help you routinely view your bank statement and access your past transactions whenever you need them.

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Features and Benefits of Checking a Bank Statement Online

Checking your bank statement digitally lets you enjoy the following benefits:

Real-time Access

Gain instant access to your account balance, transaction history, and detailed bank statements right away, without having to wait in line at the bank or adhere to restrictive banking hours.

Convenient Monitoring

An e-statement from the bank offers comprehensive details about your transactions, such as the dates, amounts, payees, and types of transactions. This detailed summary makes it hassle-free to keep track of your financial activities.

Detection of Errors and Fraud

Checking your bank statement online regularly allows you to quickly identify errors, discrepancies, or transactions that you didn't make. This allows you to promptly report any issues to your bank, thereby guaranteeing that they are resolved as soon as feasible.

Financial Planning

Made Easier Regular tracking of the transaction history with online bank statements allows you to strategically manage your finances. You can make informed decisions about budgeting, savings, and investments, helping you in effective financial management.

Enhanced Security

In order to access your bank statement online, you must verify your identity by entering your bank credentials, using One-Time Passwords (OTPs), login IDs and passwords. Your bank details are safeguarded by the security measures, which discourage unauthorized access.

Cost-effective and Supports Sustainability

Choosing digital statements helps to lower the carbon footprint of the financial operations, so supporting environmentally beneficial behavior. Furthermore, using online statements can help to significantly lower the needless cost related to courier and handling charges for obtaining paper statements.

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FAQs - Bank Statement Online

1. Can I get my bank statement’s PDF?

   Yes! You can download your bank statement in PDF format through:

   • Net Banking – Log in and download it from your account.
   • Mobile Banking App – Access and save your statement easily.
   • Email Statements – Many banks send monthly statements via email.
   • Bank Branch or ATM – Request a printed or digital copy.
   
   

   Tip: Some banks encrypt PDFs with a password, check your email for the details.

2. How is a bank statement different from a mini statement?

   A bank statement provides a complete record of all transactions over a selected period, such as a month or quarter. It includes details like deposits, withdrawals, interest earned, and bank charges. In contrast, a mini statement is a quick summary of your last few transactions, usually the last 5 to 10, and is available through ATMs, SMS banking, or mobile apps.