1.16 Existing User

This topic describes the product application process for existing customers.

An application form being initiated by an existing online banking customer of the bank (registered user) will differ from that of one being initiated by a new/unregistered user.

You will be able to apply as an existing customer either by selecting the provided option on the kickoff page and proceeding to specify your login credentials (applicable if you have applied via the bank portal page) or by selecting the product of choice from the product showcase available to you post login via the hamburger menu. In either case, the application form will vary from that of a prospect applicant’s.

The system will identify your KYC status and depending on the status, you will either be allowed to proceed with the application or not i.e. if your Re-KYC is active you will be allowed to enter and submit your application form but if your Re-KYC is pending, you will not be allowed to apply for the product and will be displayed a message informing you of the same.

Note:

At present, the system does not support joint applications by existing customers of the bank i.e. the primary applicant can only be new to the bank if applying for a joint account. The joint applicant, however, can be new to the bank or an existing customer of the bank.
The savings account application form for existing customers will comprise of the following sections:
  1. Kickoff Page - Regardless of whether you are applying from the bank’s portal (pre-login page) or after having logged into the bank’s website/application, you will be displayed a kickoff page. In addition to the eligibility criteria that need to be met in order to apply for the product, you will be displayed the fields applicable to application type (single or joint) and the subsequent fields related to overdraft if you opt to apply for a joint account.
  2. Employment Information – This section will only be part of the application form if employment information is to be captured for the product user have selected and if your employment information is either not maintained with the bank at all or if the information is maintained but is not current.
  3. Financial Profile – Like employment information, the financial information section will also be part of the application form only if user have specified that user are currently employed by having selected the provided option on the disclaimer modal window displayed once user select a product for application. Subsequently, if user have identified that user are currently employed, this section will be part of the application form only if financial profile is configured for the product user have selected as well as certain factors such as whether your financial information is already maintained with the bank or not and if maintained whether the information is current or not. Hence, the financial information section will only be part of the application form if your information is either not maintained with the bank at all or if the information is maintained but is not current.
  4. Savings Account Preferences – This section will be part of the application form and user will be required to define the currency in which user would like the account to be maintained and define your preferences regarding account statement frequency and mode of delivery.
  5. Nominee Information – This section will be part of the application form if it is configured for the product that user are applying for. user can add information pertaining to the nominee to add to the account in this section.
  6. Terms of Service – user will be required to read through and accept the terms and conditions related to the online application of the product user have selected.
  7. Fund your Account – If this step is configured for savings account applications, it will appear as part of your application form. user will be able to specify your preference with regards to funding your account. If user opt to fund your account, user will be required to specify the amount that is to be deposited in your account and also select the mode through which user will be making the transfer.
  8. Review - The details filled in the application form will be displayed. The user can edit the information in any section by clicking the edit icon displayed against the section header.
  9. Confirm – Once user have submitted your application, you will be displayed a confirmation page. If the application is processed instantly, the account number as generated by the bank will be displayed along with the link to access the Current & Savings Accounts (summary) page. In case the application is being processed through the non-insta or manual processing mode, the application reference number along with the link to access the Application Tracker will be displayed.

Parent topic: Savings Account Application