Alternative Delivery Channels

ADCs are Alternative Delivery Channels, like online banking and mobile banking.

Online Banking

There is no quicker nor more efficient way to transfer money, settle cards payments and manage your finances without the time-consuming aspects of traditional banking from the comfort of your own PC or laptop. First, it’s Beyond convenient: open 24 hours a day, 7 days a week, accessible from your PC or laptop, anywhere in the country or the world and whenever you want. Second, It’s Fast, Efficient and Effective: What traditional banking can do in an hour, online banking can do in minutes.

With just a few clicks you can:

1. Manage your checking account from a secure site.

2. Check your account balances and keep an eye on recent transactions, as often as you like.

3. Transfer money between your accounts and other accounts (internal and external transfers).

4. Check online statements.

Mobile Banking

The fastest way of banking. Banks who offer mobile access support some or all of the following services:

1. Account Balance Enquiry

2. Account Statement Enquiries

3. Cheque Status Enquiry

4. Chequebook Requests

5. Own Account Transfers

6. Recent Transaction History Requests

7. Information Requests like Interest Rates/Exchange Rates

8. Refer a friend

9. Bill payment

10. Top-up (recharge your prepaid mobile phone number card)

11. Credit cards payment

12. Internal and external transfers

13. Credit card rewards

14. Loan calculators

What is an ATM?

An ATM (Automated Teller Machine) is a computerized telecommunication machine that provides you with 24/7 access to your money in a public space without the need for a cashier, human clerk or bank teller.

How to use an ATM?

Insert your ATM card into the machine. Select a language. Enter your PIN (Personal Identification Number), then press Enter. Select a transaction. Choose whether you want to make an additional transaction. Choose whether you want a receipt, select Yes or No. Take the receipt if you requested it. Wait while the system processes your transaction(s). When the machine beeps, take your card, cash and receipt (if you asked for one). Always make sure that you have both your cash and your card.

You can also use the ATM for your bill or tuition fee payments and to recharge your prepaid mobile phone line.

What is an ITM?

An ITM (Interactive Teller Machine) is a computerized machine with video conferencing, that gives you access to your money in a public space without the need for your debit or credit card. You just need to click on the screen to talk to a remote agent in order to perform your transactions.

How to use an ITM?

Click on the screen. Select a language. Wait for the agent to answer your video call and perform your transaction. Choose whether to do an additional transaction. Choose whether you want a receipt. Take the receipt if you requested it. You can perform cash transactions, cheque transactions, transfers, wedding list payments, donations, tuition fees payment, mobile phone number recharge.

How do I shop securely online?

Use a secure connection The most important thing to look for when paying with a credit card online is the padlock at the bottom of your browser. If the padlock is broken, DO NOT trust the site with your card information. Just so we are clear… a site with a broken padlock means “you can’t trust me”. Buy from well-known stores. Almost all businesses have websites these days and you should be able to buy whatever you are looking for on the official brand website at a good price. If you find that the product you want is cheaper or only available on an unknown site, check that they have contact details on their website. If there is no way of contacting the company other than on the web, don’t make a purchase. If they’re happy to take your money without giving you appropriate and verifiable contact information, it’s a big red flag. Make a note of what you order. Check payment and delivery details and read the Terms & Conditions carefully.