Payment Options - Telephone Banking - Home - First … · · 2012-10-10Payment Options - Telephone Banking FNB Card Customer Information How to Register ... banking accounts

Payment Options - Telephone Banking

FNB Card Customer Information

How to Register

You will need:

• Achequeaccountorasmart accountnumber.• AnATMPINnumber.

Then:

• ContacttheCallsharenumberand theConsultantwillrouteyourcall totheIVRsystem.• YouwillneedtotypeinyourATM PINnumberonthetelephonepad andthenconfirmthePINnumber bypressingthe#button.• Thevoicewillrequestyoutomake upa5-digitPINnumber. Confirmthisnumberwitha#key• Thecallwillnowberoutedbackto aConsultant.• TheConsultantwillexplainthe processandansweranyquestions youmayhave.

Now you are registered.

• BalanceenquiriesonallFNB bankingaccounts.• TransfersbetweenFNBAccounts.• Monthlyaccountpayments.• Stopdirectdebitordersand/orcheques.• AccessinformationaboutFNBproducts andservices.• Requestbankstatementsexcluding Homeloanandcreditcardstatements.

Telephone Banking

ThisisafacilitywhereaverbalinstructionisgiventoaconsultantoryoucanuseourIVRsystem(InteractiveVoiceResponse)toeffectfundsasperyourinstructions.

You can now pay your credit card account by making one call wherever you are.

Benefits

How to Transact

Afterregistration,theconsultantwillassistyoutolinkyourcreditcardaccounttoyourbankaccount.

You may transact immediately.

FirstNationalBank-adivisionofFirstRandBankLimited.AnAuthorisedFinancialServicesProvider.

Payment Options - Cellphone Banking



How to Register

Setupabeneficiaryonyouraccountthroughanyofthefollowingchannels(Youneedyourchequeaccountnumberand/orcreditcardaccountnumber):

• FNBInternetBankingon www.fnb.co.za• TheFNBCellphoneBankingHelpline on 0861 313 210• AnyFNBBranch• AnyFNBATM

How to link your beneficiaries (i.e. Telkom account)

Youcanlinkthebeneficiariesonwww.fnb.co.zaoryoucancallthecontactcentretoassistyou.Pleaseremembertohavethebankingdetailsofthebeneficiaryonhand.

Benefits

You are able to:

• Makebalanceenquiries

• MaketransfersbetweenFNBaccounts

• Makemonthlyaccountpayments

• Makeinter-accounttransfers

• Getmini-statements

How to Transact

Therearetwomethods:

1. SMS Method

•Onceyourbeneficiaryhas beenloaded,allyouneed todoissendanSMSas follows:

•PAY<AMOUNT>TO <BENEFICIARY>FROM <ACCOUNTKEYWORD> TO31321

2. Dial Method

•Onyourcellphonepress*120* 321#andpressthecallbutton

•Awelcomemessagewillappear –keyinyour5-digitPINnumber, followthemenuandmakeyour selection.

You can now pay your credit card account by sending one SMS, wherever you are.


Payment Options - Cash Payments


Youwillneedtocompleteadepositslip,statementtear-offsliporpayusingyourcard.Remembertouseyour16-digitcreditcardnumberasareferenceforpayments

Yourpaymentwillreflect (onyourcreditcardaccount)withinamaximumof24hours

YoucanmakeapaymentatanyFNBbranchduringofficehoursandonSaturdaysbetween8h30and11h00

Presentyourdepositslipandcashtoateller/consultanttoprocessyourpaymenttoyourcreditcardaccount

1

2

3

4A cash payment is one of the ways you can pay your credit card account.

Please note:•Acashdepositfeeischargedifyoupaycashintoyourcreditcardaccount•Toavoidthischarge,werecommendthatyouuseoneoftheeasyelectronicpaymentmethods


Payment Options - Cheque Payments


How to complete a cheque

Thefollowingmandatoryfieldsmustbecompleted:• Date• Payeename(Customername)• Amountinwords• Amountinrandsandcents(must correspondwithamountinwords)• Signature• Your16-digitcardnumbershouldbe visibleonthechequeasreferencefor payment• Crossyourcheque

Pleasenotethatthechequemustbemarked“not transferable” or “not negotiable” boldlyacrossthefaceofthecheque.Thereasonforthismarkingisthata“nottransferable”chequecanonlybepaidintoabankaccountinthenameofthepersontowhomthechequehasbeenmadeout.FNBdoesnotacceptpost-dated cheques.

How to process cheque payments

YoucanmakeapaymentatanyFNBBranchduringofficehoursandonSaturdaysbetween8h30and11h00

Branch

Youwillneedtocompleteacheque and deposit sliporuseyourcard.

Remembertouseyour16-digitcreditcardnumberasareferenceforpayments.

Presentyourdepositslipandchequetotheteller/consultantsoyourpaymentcanbeprocessedtoyourcreditcardaccount.

Yourpaymentwillreflectonyourcardaccountwithin24hours.Pleaserememberthataclearance periodwillapply.Thisistheperioddeterminedbythebanktoensurefundsarehonoured.

Youwillneedtocompleteacheque(seehowtocompletealongside)andpostitinasealedenvelopeto:FNBCard,P.O.Box1420,Johannesburg,2000.

Post

Onreceiptofthecheque,FNBCardwillprocessyourpaymenttothecreditcardaccountnumberprovided,andyourchequeaccountwillbedebitedwiththeamountthathasbeenauthorised.

Yourcardaccountisnowcreditedandtheavailabilityofthefundsissubjecttoaclearanceperiod.Shouldyouwishtoclearyourfundsorthatofathirdpartychequeimmediately,youwillhavetoobtainspecialclearancefromyourBank.

Pleasenote:thispaymentmethodisnotrecommended,aschequesareoftenmisplacedinthepost.Achequeissubjecttosevendays“unclearedeffects”and,ifposted,couldalsobedelayedorintercepted.FNBCarddoesnotacceptresponsibilityforlossortheftofsuchcheques.Inaddition,itisofutmostimportancethatthechequebemadeoutinthenameoftheCardholdertopreventmoniesgoingtoincorrectaccounts.

Please note that split cheques will not be accepted


Payment Options - Internet Payments


What is Internet Banking?

ThisisarangeofbankingservicesthatisaccessibleovertheInternetforyoutomakepaymentsatyourconvenience.ItenablesyoutolinkyouraccountdetailstoyourcreditcardviaFNBInternetBankingandtodotransfersonline.InternetBankingpaymentscanalsobemadefromortootherFinancialInstitutions.

How to make a payment

• LogintoInternetBanking

• Clickon“Transfers”

• Clickon “between my accounts”

• Selecttheaccountfromwhichyou willtransfer(e.g.chequeaccount)

• Selecttheaccounttowhichyouwill transfer(e.g.FNBSilverCreditCard)

• Typeinyourtransferdescription,i.e. whatwillappearonyourcheque account(e.g.Cardpayment)for easyidentificationandreconciliation purposes

• Typeinthetransferreferencethat willappearonyourcreditcard account(e.g.Cardpayment)foreasy referenceandreconciliationpurposes

• Typeintheamountthatyouwould liketotransfer

• Click“transfer”toproceed(be carefulnottoclicktransfermorethan oncetoavoidtransferringtwice)

• Onceyourtransferiscomplete, youwillreceiveareferencenumber confirmingthatyourtransferwas successful

What you need

• AcomputerwithInternetaccess.

• AvalidFNBaccountandaPINto register,togetherwithaSouthAfrican identitynumber.

How to Register

If you are using Internet Banking

YoucanaddFNBCardasanaccountoptionandthensimplytransfertheamountelectronicallyeverymonth.

To make sure you can pay your FNB Credit Card quickly and efficiently, we have put together this easy guide to tell you everything you need to know.

• Gotowww.fnb.co.za

• Clickonthe“register”optioninthe InternetloginboxoftheFNBwebsite

• Selectthe“InternetBanking”check box(readtermsandconditions beforeproceeding)

• Clickon“continue”andfollowthe prompts

• Onceyourpersonaldetailshave beenentered,avalidationcallwill followwithin48hoursandyouwill receiveanaccessnumberandaPIN code.

• Youarenowready,sositback,relax andbank.

You will be able to make inter-account transfers immediately.

You are able to set up future dated/ recurring payments to be credited to your Card account.

• Visitwww.investec.co.za• ToaddFNBCardasabeneficiary, clickon‘Investecapproved beneficiary’.• OneoftheoptionsavailableisFNB Card.• Completetherequireddetails includingyour16-digitFNBCard number.• TheFNBCardbeneficiarywillappear underthebeneficiarylist.• Whenthebeneficiaryisloaded,go tothepaymentoptiontopayyour FNBCreditCard.If you have any questions, please call Investec on (011) 286 9663.

• Visitwww.nedbank.co.za• Select‘changealistofbeneficiaries’.• Selecttoaddan‘approved beneficiary’.• Select‘F’toaddyourFNBCredit Card.• Inputthe16-digitcreditcardnumber.If you have any questions, please call Nedbank on 0860 11 5060.

• Visitwww.absa.co.za• IfyouareregisteredforABSAInternet banking,youcancreateFNBCard asabeneficiaryunder‘own-defined payments’.• Clickon‘createbeneficiary’.• Ascreenwillopenwhereyoucan completethedetailsofthe beneficiary,includingthenamei.e. yourFNBCard,andthe16-digitcard numberintheaccountnumberfield.• Youcanthengoto‘paybeneficiary’ andmakeapayment.Allyouhaveto doisselectFNBCardinthe“List ofbillpaymentbeneficiaries”and inserttheamount.If you have any questions, please call ABSA on 0860 166 177.

STANDARD BANK

• Visitwww.standardbank.co.za.• Select‘addanewCDI’.• Youcanthenselectabeneficiary name,inthiscaseyourFNBCreditCard.• Typeinabeneficiaryreference number,whichisyour16-digitFNB CreditCardnumber.If you have any questions, please call Standard Bank on 0860 123 000.


Payment Options - Internet transfers work differently for each Internet Banking site:


INVESTEC NEDBANKABSA

It takes up to a maximum of three days (depending on the relevant Bank) for the Internet payment from other Banks to reflect on your FNB Credit Card.

Payment Options - Swift Payments


Swift Payments

• S.W.I.F.T.(SocietyoftheWorldwideInternetFinancialTelecommunication)isthebank-ownedco-operativeservingthefinancialcommunity.

• Itenablesyoutomakepaymentsfromoverseaswhilstyou’reonholiday.

How to make SWIFT Payments

Ifyouwanttomakeapayment,pleaseprovidethefollowinginformationtoaVisaaffiliatedbank:

• RecipientInstitution:FirstNationalBankCardDivision

• Address:3FirstPlace,5thfloor,FinancialOperations,BankCity,Johannesburg2000

• UsetheSWIFTnumber:FIRNZAJJA

• Customerdetails(nameandsurname,contactnumbers,16-digitcreditcardnumber)

• Informationgetsprocessedandpaymentcredited


4 EASY STEPS

Payment Options - Direct Debit Order


Direct Debit Order

• AdirectdebitorderisawritteninstructionfromyourselftoFNBCard,whichgivesFNBauthoritytodebityourtransactionalaccountandcredityourCardaccount.Westronglyrecommendthatyoupayyourcreditcardusingadebitorderfacility,asitisthemostefficientandreliablemethod.

Toapplyforadirectdebitorderyouarerequiredtosupplyuswiththefollowinginformation:• Bankaccountnumber• Branchcode• Branchname• Accounttype• Cardaccountnumber• Amount(ifyouwantaspecific fixedamounttobededucted)• Nameandsurname• Paymentoption,i.e.full,fixed or minimumPlease ensure that the written instruction is signed by the account holder.

Faxorpostyourdebitorderinstructiontous.Youwillfindtheforwardingdetailsonyourstatementoryoucanrefertotheattachedcontactdetailssheet.

Other important details to know regarding Direct Debit Orders

• Youmustensurethatthedebitorder instructionforwardedtoFNBCardiscorrect.• Pleasenotethatyourdebitorderwillbe effectiveifloadedbeforeyournextstatement date,e.g.IfyourStatementDateis3February, andyourDueDateis28February,youneed toforwardthedetailsonorbefore2February (amonthinadvance)toensureyourdebit ordergoesoffyouraccounttimeously.• Shouldyouwishtochangethefirstpayment date,pleaseindicatethisonyourrequestform.• Itisimportanttoknowthatyouhave3options topayviadebitorder,namelyfull,fixedor minimum. (N.B… If the minimum payment exceeds the fixed amount the minimum amount will be debited)• Regularlycheckyourstatementtoensurethat thecorrectamountisdebited.• Thedebitorderwillautomaticallybecancelled shoulditbereturnedasinsufficientfundsby yourbankaftertwoconsecutivetimes,andthe relevantfeeswillbecharged.

1

Theagentwillcaptureyourrelevantdetailsonreceiptoftheinstruction.

2

3

4Onthepaymentduedate,youramountpayable(eithertheminimumamountdueorthefullamountowing)willautomaticallybedeductedfromyourbankaccountandyourcreditcardaccountwillbecreditedsubjecttooneday“unclearedeffects”.Afixedamountcanalsobedeductedandcreditedmonthly,whichwillensurethatyouraccountisalwaysingoodstanding.

Benefits

•Yousavetimeandmoney.•Yousaveoncashdepositfees.•Youavoidthetroubleofwriting andsendingcheques.•Settingupadebitorderisfree.•Avoidlatepaymentandoverlimitfees.


Payment Options - ATM Transfer


ATM

ATM Transfers

• AllowsyoutouseyourcreditcardatanATM,accessallyourFNB accountsanddoallyourbankingtransactions.YoucanuseyourCardtodrawcashfromyourchequeaccount,makeinter-account transfers,paybillsandlinkthirdpartyaccountsforpayments.

1. VisityourFNBBranchtolinkyour bankaccounttoyourcreditcard.2. Transferyourpaymentfromyour transactionalaccounttoyourFNB CreditCardattheATM.

2 EASY STEPS Benefits

• BymakinguseoftheATM paymentmethod,you’resaving yourselftimeandmoney.• Youcantransact24hoursa day,7daysaweek.• IfyoubankwithFNB,the paymenttransferwillreflect immediately.• Itisaverysafemethodof payment,butrememberto alwaysapplysafetyprinciplesat anATM.

• AttheATM:InserttheATMcard oryourcreditcard.Youwillbe requiredtoenteraPIN.• Alistofoptionsisdisplayedand oneofthemwillbeto“transfer” funds.• Followthedisplayedinstructions andyouraccountswillbecredited electronically.

How to transfer at the ATM


Payment Options - Inter-account Transfers


ATM

What are Inter-account transfers?

Asafeandeasywaytotransfermoneyfromlinkedaccounts.TransferscanbedoneatanATM,FNBBranch,orthroughInternetandTelephoneBanking.

How to transact on the ATM

1. InserteitheryourFNBCheque CardorFNBCreditCardatthe ATM.2. YouwillberequiredtoenteraPIN number.3. Alistofoptionsisdisplayedand oneofthemwillbe“Transfer Payments”.4. Select “Transfer Payments”.5. Thenselect“Transfer between own accounts”.6. Selecttheaccountfromwhich youwilltransferfunds(e.g.cheque account).7. Selecttheaccounttowhichyou willtransferfunds(e.g.FNBSilver CreditCard).8. Entertheamountthatyouwould liketotransfer.9. Aconfirmactionscreenwillbe displayed.Ifthisiscorrect,press theproceedbutton.10. Onceyourtransferiscompleted, youwillreceiveanATMslip confirmingyourtransferwas successful.

• Youridentitydocument• YourFNBchequeaccountnumber

OnceyourFNBaccountsarelinkedyoumaytransactimmediately.

You will need

Requirements

FNBaccountsmustbelinked.

How to link my accounts?

ThiscanbedoneatanFNBBranchorviathetelephone,whereaserviceconsultantwillprocessyourrequest.

Youcanmakeaninter-accounttransferatanFNBBranchduringofficehours.1.Requestaninter-accounttransfertobedonebyateller/serviceconsulant.

2.Theteller/serviceconsultantwill confirmifyouraccountsarelinked.

3.YouwillberequestedtoswipeeitheryourFNBChequeCardorFNBCreditCardthroughaspeedpointmachine.

4.ThiswillpromptyoutoenteraPINnumber.

5.Confirmwiththeteller/serviceconsultantwhichaccountsthefundsmustbetransferredfromandto.

6.Youwillreceiveaslipconfirmingyourtransferwassuccessful.

How to transact at an FNB Branch


Payment Options - Electronic Service Option


What is the Electronic Service Option?

TheElectronicServiceOption(ESO)isapricingoptionthatwillsaveyouR45 on yourannualcreditcardmembershipfees.Tobenefitfromthisoption,adoptionofthefollowingismandatory:

• TakingupoffreeinContactservice.• Receivingyourmonthlystatementvia e-mail,asopposedtopaper.• Electronicpayment(i.e.debitorder, Internet,inter-account,SmartorATM transfersorbyCellphoneor TelephoneBanking)ofthefull,fixedor minimumamountdue.

ShouldyouoptfortheESO,pleasebeawarethatanycashorchequepaymentswillattractadditionalcharges.

How to Register

WerequirethefollowingdetailsinordertoregisteryoufortheESO.Simplyfaxthedetailsto0113710512ore-mailfnbcardeso@fnb.co.za

• Fullname• Cellnumber• E-mailaddress• FNBCreditCard/PetroCardaccountnumber/s• AdditionalFNBCreditCardaccounts• Signature

Debit Order Option• DirectDebitOrderdetails• BankAccountnumber• Branch• Branchcode• Bank


Contact Details


Can I change my limits?Yes,toadjustyourlimit,pleasecall0113525522

Can I have a Debit Order facility?Yes,tosetupaDebitOrderfacility,[email protected]

Can I obtain further information regarding S.W.I.F.T. Payments?Yes,contact0113692800

Can I obtain further information regarding Internet Payments?Yes,contact0860328257

Can I register for Telephone Banking?Yes,toregisterforTelephoneBanking,contacttheCallsharenumber0860112244

Can I link beneficiaries on my account for Cellphone Banking?Yes,tolinkbeneficiariesonyouraccount,visitourwebsiteonwww.fnb.co.zaorcontactthecallcentreon0861313210

Can I request my statements to be e-mailed to me?Yes,contact0113692800

Can I register for the Electronic Service Option?Yes,faxthedetailsto0113710512ore-mailthedetailstofnbcardeso@fnb.co.za

Can I speak to someone regarding outstanding credit card debt?Yes,contactouragentson0113525369andtheywilldiscussthevariousoptionswithyou.

Can I register for Internet Banking?Yes,contact0860328257


Documents

Payment Options - Telephone Banking - Home - First … · · 2012-10-10Payment Options - Telephone Banking FNB Card Customer Information How to Register ... banking accounts