Every individual with an active Bank account must make it a point to check their account balance to track their income and expenses better. This is crucial as it helps to analyze one’s financial standing and identify transactional errors. To ensure this, leading financial institutions like Indian Overseas Bank to offer their customers an array of features and facilities that allow them to check account balances in the most convenient ways. For instance, customers of the Indian Overseas Bank can readily access information through IOB balance check numbers and other online and in-person methods.
On that note, let’s check the key IOB balance check numbers and the means to access them.
Indian Overseas Bank Balance Enquiry Number
As a customer of the Bank, you can instantly access information about your bank using IOB free missed call service. However, the mentioned service is only available to customers who have registered their phone numbers with the Bank.
Here’s how to avail of the service:
Step 1: Give the IOB Balance Check Number 9210622122 a missed call from your registered number.
Step 2: Wait for the call to connect and ring
Step 3: Wait for the call to disconnect
Once the process is complete, you will get an SMS on your registered mobile number containing your account balance details.
This service is not dependent on the internet or even a smartphone and is convenient for those who are not internet savvy.
Notably, the IPB balance check number is exclusive to its customers. In other words, Union Bank of India customers can use it to check their balances, and they would need to find the Union Bank balance enquiry number to access account detail.
Indian Overseas Bank Balance Check via tollfree SMS
You can check your IOB account balance by simply sending an SMS from their registered number to the toll-free number 8424022122.
Follow the below-mentioned format to send the SMS:
Step 1: Type BAL the last 4 digits of your IOB account number
Step 2: Send it to 8424022122
You will receive an SMS from the bank containing the account details instantly.
Popular methods to check IOB balance
Besides the IOB balance check number, you can use these alternative ways to check your IOB account balance:
Aside from the IOB Balance Check Number, there are several other handy alternatives to inquiring about your IOB balance. They are as follows:
- Through Mobile Banking
- Via Internet Banking
- Through USSD Code
- From IOB ATM
- Through IOB Passbook
Mobile Banking IOB Balance Inquiry
Indian Overseas Bank has several mobile apps that offer banking assistance to customers. After you sign up for the mobile banking service and install the app on your smartphone, you can access and enjoy a host of services such as:
- Check account balance
- Check transaction history
- Transfer funds
- Stop cheque payment
- NEFT and IMPS service
- Check loan detail
- Pay bills
- Check cheque status
- Download e-statement
The apps are available on Android and iOS and can be downloaded easily from the app store.
IOB Internet Banking Services Balance Inquiry
This particular service comes in handy for more than one purpose. Those who have registered for the IOB internet banking services can use the facility to enjoy these operations:
- Cash transfers
- Balance enquiries
- Utility bill payment
- Mobile Recharge
- Transaction detail
- Mini statement
- Loan account detail
To enroll in the internet banking service, you need to visit your IOB branch and fill up a registration form. After that, you will receive your user ID and password, which will be required to log in to the internet banking account.
IOB customers can avail this service with a savings Bank account, deposit account, current account, or loan account. Notably, the internet mobile banking service is available to the following entities:
- Partnership firms
- Proprietorship firms
Steps to use internet banking service
Registered users can access the service with the user Id and password given by the IOB in these steps:
Step 1: Log in to the internet banking portal with the user ID and password
Step 2: Navigate to the dashboard and select the appropriate service
Step 3: Select ‘Balance Enquiry’ to check IOB account balance
Step 4: Current balance will appear on the screen
You may also choose to view mini-statements and historical transactions from the list.
USSD Code to check IOB balance
Those who are not familiar with technology or are not very internet savvy can use the USSD code facility to check their IOB account balance. The best thing about this facility is that even a person without a smartphone can use its service. However, you will need to follow these instructions to access your detail and use a registered mobile number to access it.
Step 1: Dial *99*52#
Step 2: Choose a language from the given instructions
Step 3: Enter your bank’s IFSC code or 2-digit Bank code
Step 4: Select the ‘Sense option from the drop-down menu
IOB balance check from ATM
Account holders can check their balance at any Indian Overseas Bank or visit any third-party Bank to check their IOB balance.
They can access account details like current balance and mini statement via ATM in these steps:
Step 1: Swipe the ATM card at the machine slot
Step 2: Log in with your ATM PIN
Step 3: Select the ‘Balance Enquiry’ option
Account holders may also choose the mini-statement option to check the last few transactions made from their accounts. Typically, the mini statement features a detail of the last 10 transactions, and one can take out a receipt and analyze the details at leisure.
IOB Passbook Balance Check
This method is favored by those customers who aren’t registered for net banking services or like to cater to their banking requirements in person. In order to check their account balance, they need to take their passbook to the Bank and update it to get the latest transaction details. This also helps them to track their credit and debit balances and helps identify errors in recording.
Notably, if a customer does not update their account balance frequently, they are not likely to know their current balance and won’t get a clear picture of their financial standing.
These are some of the most popular means to check IOB account balances. Customers should check with Bank or visit the official website to see if the IOB balance check number has changed or discontinued.