Who leads his checking account online, can do banking transactions from the comfort of home. But for the banks it is worth the online account. For customers with online account, they need no branches and only a minimum of personnel. Also retail banks now offer online-only accounts to – with a cost advantage for the customer. Banktip explains how to open an online account and what to watch should:
How does the online account?
The online account allows the same operations as a traditional checking account. However, the customer transfers, standing orders etc. on the computer or phone type. Some banks even offer banking by mail to – ING-Diba, for example.
Can you deposit cash into an online account?
Who wants to pay in cash at his online account can do so at any bank. However, these foreign banks take some hefty fees. The free cash deposit of only a few allow direct banks. This allows customers to deposit the comdirect free cash at the counters and vending machines of the parent company Commerzbank.
A similar situation from the 1822direkt. Your customers can free cash at the counters of the Frankfurter Sparkasse deposit, which is 1822direkt. This helps only in the Frankfurt am Main. Customers of ING-Diba can deposit cash at machines and counters free of Degussa Bank to their online account.
How to open an online account?
The online account is opened on the website of a bank. Customers should take time to study all the details are. In addition to condition surveys are the price list information to publish all the banks on their websites. If in doubt you should ask.
A free telephone number for the initial contact is the exception. However, the fees for keeping the telephone lines is limited. Often it is also normal landlines. Many banks offer a callback service. Get totally free information via e-mail.
Opening an account begins with the application. Therefore, the banks of the personal data input forms on their Web pages. Note: Typically, you agree to be bound at that stage with the terms and conditions of the bank. Take the time to read this actually. The application documents, the bank sent either by post or e-mail. Sometimes they are also offered as PDF files for download. With registration, the new customer a post-ident-Coupon. With the completed application form, the PostIdent coupon and the identity card you go to an office of Deutsche Post. The Post confirmed the identity of the customer. So that the registration is complete.
Alternatives to PostIdent
Comdirect bank offers its customers since 2010 to verify the identity of the flex ident. It looks past the courier of DHL Poosttochter by appointment with the customer, whose identity card checks and accepts the registration documents with the same.
Less well known is the registration procedure. Here, the customer’s identity using two budget bills in the original evidence (electricity, insurance, phone, etc.). At present, the evidence needs to address. This evidence together with the customer sends a copy of identity card to the bank.
Safety Tips note: After registration
By submitting the application documents, the process is complete. The bank then sends the credentials for online banking and debit and credit card. Customers with an online account, be sure to follow the 10 tips for safer online banking. Then you can take the online account not only convenient but also safe.