Internet banking is one service that all banks must provide today. In today's world many people use the internet. It is inevitable that internet banking be developed. However, there are still many who are apprehensive about using internet banking due to security reasons or being just paranoid. I'll show you the basics of internet banking using CIMB Clicks as an example. I hope this article will help make internet banking not as daunting as you think.

Go to a CIMB Autoteller Machine (ATM). Request for an Internet e-PIN. You need to key in your mobile phone number. With the Internet e-PIN, you can start to create your internet banking account. You will also need to have either your Bank Card No., Credit Card No., or a Loan No. Go to First Time Login Page to create your internet banking account. Make sure your browser shows secure status (lock icon).

Below is the Login Page. You will be able to see the many services available on the left. The basic internet banking will be:

• Account Enquiry
• Transfer Funds
• Pay Bills

The above services will save you lots of time. You need not drive out to the nearest bank or ATM to perform the transactions. All you need is a PC and a connection to the internet.

When you click this, you will see a summary of the accounts you have with the bank. Your account numbers, type of account and account balance will be displayed here. Clicking on the account number, you can view transaction history for a particular period you choose.

Here you can transfer funds between your savings account and current account or vice versa. Or you can transfer funds to your account in other banks. You may also transfer funds to other people's account. You will need to request for a TAC code which will be sent to your mobile phone as an SMS. Before you confirm the transfer, you will get to view the transaction details such as beneficiary name and account number. If the beneficiary name is someone you don't know, abort the transfer.

You can pay bills for most of the popular merchants using internet banking.  You will need to have the bill number or account number handy. Again, you have to request for TAC as a security measure.

If you have to frequently perform a transaction, you may want to add it to your favorites. TAC request is a one-time-deal. So for future transactions, you don't need to request for TAC.