Importance of Checking Bank Balance Frequently

Nabeen is a hardworking and honest person. He has been working for a few years now since his graduation in 2017. His company had opened a salary account for him in Allahabad Bank, which was later merged with Indian Bank on the 1^st of April 2020. Nabeen could continue using his Allahabad banking details for banking purposes in the now merged Indian Bank. However, because of past experiences, he has developed a dislike for handling money in general. Therefore, he has not been diligent in monitoring his finances. His best friend Mohan looked up the internet for Allahabad Bank Balance Check Number and gave it to him, advising him to check it frequently. 

Mohan did this because he was worried about Sandip. Mohan recently attended a master class on personal finances, wherein he learned about the importance of never spending more than what is being earned and the ABCs of budgeting. Earning is important, but saving is equally important. Money is not meant to be spent, but to be saved and multiplied. The teacher suggested that he should monitor his expenses carefully so that he does not make unnecessary expenditures that are done on impulse. 

Having a bank account in the Bank of India (BOI), Mohan felt it would be a lot of work to go to his bank weekly to update his passbook. Logging onto the Bank’s website via his laptop will be easier, but still take a few extra steps. Imagine his surprise and delight when he discovered that the Bank of India Balance Check Number is available to shorten the process even further. 

Mohan discovered something new to him, but already available from the Bank of India. Bank of India provides multiple ways for customers to check their bank balances. Bank of India Balance Check methods include the following:

1. Missed Calls

For the Bank of India Balance Check, Mohan needs to first register for the service. After registering, he should dial 9015135135. The call will automatically get cut after a few seconds, and he will receive an SMS containing details of his account balance. 

2. Toll-Free Numbers

Bank of India Balance Check can also be done by dialing either 1800220229 or 18001031906. After dialing, Mohan needs to select the language he prefers. Then he needs to select # 2 for balance inquiry. The call will ask for his 15-digit account number, which he needs to confirm after entering. Upon confirmation, he will receive his account balance on the interactive voice response as well as SMS.

3. SMS

For the Bank of India Balance Check via SMS, Mohan needs to send an SMS in either of the following formats from his registered mobile number:

1. “BAL<space>SMS Password” to 9810558585 – for checking primary account balance.
2. “BAL<space>SMS Password<space>A/c Number” to 9810558585
3. “TRANS<space> SMS Password” to 9810558585 – to receive his last 5 transactions (Primary Account)
4. Mobile App

Mohan also has the option to download the BOI’s Application Software and install it on his smartphone. After completing the mobile registration and user authentication process, he can create a User ID and PIN with which he can simply log in whenever he wants and check his account balance. 

In case Mohan’s phone battery is down while he is outside, he can simply go to the nearest ATM to check his balance using a debit card and PIN. 

These easy and simple ways have motivated Mohan to do his Bank of India Balance Check frequently. Furthermore, the Missed Calls method is toll-free as well. This has enabled him to check his balance as frequently as possible. It has helped him to rethink before making an unnecessary purchase and thereby help him save more for investments. 

Remembering his childhood friend Nabeen’s habits and attitude toward money, he decided to learn about different Allahabad Bank Balance Check Numbers to help his friend. To his delight, he found out that Allahabad Bank also provides various similar ways to check one’s balance. This is what he found out:

1. Missed Calls

For Allahabad Bank Balance Check Number, Mohan found out that it is 8108781085 or 9289592895. Nabeen will need to dial them from his registered mobile number. The call will get cut automatically after the first ring. His last five transaction details will be sent to his registered phone number. 

2. SMS

Allahabad Bank Balance Check Number via SMS is 94443-94443, Nabeen needs to send an SMS in the following format from his registered mobile number: “BALAVL<space>A/c No.<space>MPIN”  to get his bank balance detail.

3. Mobile App

Nabeen can also get his Allahabad Bank Balance Checked on the go by downloading and installing IndOASIS mobile app from Play Store or Apple Store. The app is available in 12 different languages. Nabeen needs to put in his Customer Identification File (CIF) number and ensure that he is using his registered mobile number.

4. Check Balance via UPI

Nabeen can also use Allahabad Bank UPI app installed on his smartphone to check his bank balance. It uses MPIN or biometrics for his login credentials. After login, he needs to select the bank account for which he wants to check the balance. “Check Balance” comes up, after selecting it, he needs to verify with a passcode. His balance will appear on the screen upon verification. 

Nabeen could also check his bank balance via Net Banking and at the ATM using his debit card and PIN.

Nabeen was touched by his friend Mohan’s gesture and felt it was a good step in the correct direction to make his financial life more stable. He also attended the master class that Mohan attended and learned a lot about money, savings, and investment. He is more motivated to use the Allahabad Bank Balance Check Number and other methods that Mohan had shown him. Over a couple of months, after consistent and diligent monitoring, Nabeen could also see a marked difference in his balance. His spending was reduced, while his savings and investment increased. He even started investing in the future of his soon-to-be-born son.