How to Check Bank Balance Without ATM Card or Linked Phone Number

Introduction

Checking your bank balance is a common task, but circumstances can sometimes make it difficult. If you do not have an ATM card or your phone number is not linked to your account, or you have lost your passbook, this guide will help you navigate the process.

What You Need to Know

First, some important points to consider:

You must be a bank account holder to have a balance to check. Proper identification is required for any visit to your bank branch. Having your account number is not enough to access your balance unless you can prove you are the account holder.

Checking Balance Using Mobile App

If your bank has a mobile application, you can easily check your balance through it. These applications often include access to a digital wallet, which can be more convenient than using an ATM.

To check your balance using the mobile app:

Download and install the official mobile app from the app store. Create or log in to your account with a valid username and password. Navigate to the 'Balance' or 'Statements' section and view your account balance.

Checking Balance Without an ATM Card

If you do not have an ATM card or ATMs that accept your card, and do not have a linked phone number, you have a few options:

Phone Banking: Contact your bank's customer service and provide your account number. You will need to go through identification procedures to confirm your identity. The bank can then provide you with your balance over the phone. Bank Branch Visit: If you have the account number and can prove your identity, you can visit your bank branch. Bring identification documents such as your passport, Aadhar card, voter ID, PAN card, or driving license. The bank will need to confirm that you are the account holder before providing your balance. Walker/Debit Card: If you have a Debit Card, you can use it at ATMs that accept third-party cards or visit the bank branch with it. However, if you do not have a Debit Card, this option is not available.

Proving Your Identity

Misusing someone else's bank account information is a significant concern for banks. To access your balance, you must provide sufficient proof of identity:

Aadhar card Voter ID PAN card Driving license

Bringing any of these documents will help the bank confirm that you are the rightful owner of the account. Simply stating that the account is yours and having an account number is not enough to access the balance.

Requesting a New Passbook and Debit Card

While you are at the bank, you can also request a new passbook and a debit card. This process can help you secure your account and ensure better access to your financial information in the future.

Conclusion

Checking your bank balance without an ATM card or linked phone number is possible, but it requires meeting identification criteria. Make sure you have the necessary documents and approach the bank branch with care to avoid any complications.