Thank you for using Tai Fung
iBanking Services. In the course of using these services, you
might have come across some typical problems which we have already
summed up with explanation and illustration. Please proceed on
reading in detail:
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1. Precaution for customer security
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i. |
Do not disclose your Login
ID to any person. |
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ii. |
Do not disclose your Password
to any person, even our bank staff. |
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iii. |
Change your Password
frequently. |
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iv. |
Do not leave your PC while
you have login to the services. |
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v. |
Logout immediately after
using the services before surfing other websites. |
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| 2.
Bank security measures |
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A. |
Operation security
measures |
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i. |
If your PC is shutdown
abnormally or you have not logout properly as stated in Section
1 Step v, you will have to wait for 5 minutes before you can
login again. |
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ii. |
You will be logout automatically
if you have idled for 5 minutes. You are required to login again
if you want to resume. |
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iii. |
Your access to iBanking
services will be suspended if your Password is not correctly
entered for three times during login. You have to come to the
Bank for issuance of a new Password to reactivate the access
to iBanking services. |
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iv. |
Transaction limits |
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a. |
Except for stock transactions, the
limit for all transactions is HKD2,000,000 or equivalent. |
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b. |
The preset daily accrued withdrawal
limit for Current/Savings accounts is HKD8,000,000 or equivalent,
or a customized limit within the preset limit. |
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c. |
The preset daily accrued transfer limit
from Current/Savings accounts to the Bank third party accounts is HKD1,000,000
or equivalent, or a customized limit within the preset limit.
Bill payments, credit card payments and remittance
are accrued under this limit as well as the limit specified in
Article b of this Sub-section. |
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d. |
The preset daily accrued transfer limit from Current/Savings
accounts to accounts of 「BOCM」is HKD1,000,000 or equivalent, or a customized
limit within the preset limit. |
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e. |
The preset minimum transfer amount is HKD1.00 or equivalent. |
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f. |
With the exception of stock related
transactions, daily transaction count is limited to 50 times
per Login ID. |
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B. |
System security measures |
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i. |
Password recognition
For every access to iBanking services, you have to enter your Login ID
and Password correctly. |
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ii. |
Change of password
When you use a bank issued Password to Login the iBanking services,
the immediate transaction following the Login will be Change
Password so that you would be the only person to know your
Password. You may also change your Password at anytime you
wish.
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iii. |
SSL 128-bit encryption
In iBanking services, all data transmitted through internet are
protected by SSL 128-bit encryption. |
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C. |
Pre-registration |
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Accounts to be used under
iBanking services should have been registered with the Bank beforehand.
You may also transfer funds to third party accounts through iBanking.
However such accounts must also be registered in advance. For
remittance via iBanking, the information of the beneficiary is
required to be registered and for credit card payment, the number
of the credit card. |
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D. |
Service suspension |
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You may suspend the access
to iBanking services yourself or through the Bank if deemed necessary.
You have to come to the Bank in person to reactivate the access
afterwards. |
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E. |
Dormant accounts |
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Dormant accounts are not admitted
to iBanking services. Holder of dormant accounts should come
to the Bank in person to reactivate the accounts before registration
to iBanking services. |
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3.
Authenticity of website
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After login, website information
and content of the digital certificate of www.taifungbank.com
will be displayed in a pop up window when you click on the icon
of a little lock near the bottom of the browser. You may then
verify the details to confirm the authenticity of the website. |
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| 4.
Forget password |
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A new Password will be issued
by Bank immediately upon request in person. Access to iBanking
services can be resumed afterwards. |
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| 5.
Availability of services |
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i. |
Enquiry, MOP/HKD transfers,
fee payments*, credit card payments are available
24 hours a day, 7 days a week. |
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ii. |
Foreign currency transactions
are available from 9 a.m. to 3.30 a.m. of the next day, Monday
through Friday. |
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iii. |
Stock transactions are
available according to trading hours of relevant stock markets.
Margin transfers are available from 9.00 a.m. to 6.30 p.m. whereas
enquiry of order information is available from 9.00 a.m. to 7.00
p.m. on the date when the order is placed. All other enquiries
including IPO information are available 24 hours a day, 7 days
a week. |
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iv. |
Remittance and Loans transactions
are available from 1 am until 8 pm. |
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v. |
Under special circumstances,
please pay attention to notice posted in our bank hall or contact
our staff. |
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*Subject to cutoff date/time
agreed between respective companies and Bank, past due bills
will not be accepted. |
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6.
Access time control
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There is practically no time
limit for access to iBanking services. However, for security
concern, access will be terminated automatically if your browser
is idled for 5 minutes, and you can resume by simply logging-in
again. If your PC is being shutdown abnormally or you have not
logout properly, you will have to wait for 5 minutes before you
can login again. |
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| 7.
Extent of access |
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There is no geographic limitation
for access to iBanking services. All you need are internet access
facility and our website address https://ibanking.taifungbank.com, and you
can access our services around the world. |
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| 8.
Terms and conditions |
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We have already provided you
with the terms and conditions when you registered for the iBanking
services. You may also click on the "Terms and conditions" button
to browse the contents of the terms and conditions. We recommend
that you should read through the terms and conditions before
using the services |
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| 9.
Operation procedure |
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A. |
iBanking transaction
flow and message sign |
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A typical iBanking transaction
usually consists of three screens. The first is input screen
through which you may enter the details of a transaction. The
second is verification screen where transaction data are displayed.
You can verify the correctness of the data, amend if necessary,
and confirm to proceed with the transaction within reasonable
time. The third is confirmation screen showing the result of
the transaction. You can print this screen if needed.
On the transaction screens, one of the following message signs will be displayed: |
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| Green |
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Transaction accepted. |
| Yellow |
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Reminder before transaction confirmation. |
| Red |
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Transaction rejected with rejection code displayed. You are required to provide this code for enquiry or assistance. |
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In general, the green sign
will be displayed for a successful transaction. You may obtain
detailed transaction information through iBanking transaction
enquiry. |
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B. |
Currency selection |
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i. |
For a single-currency account,
such as MOP savings account, there is no need to select transaction
currency and the system will correct to MOP automatically even
if other currency is selected. For multi-currency accounts, such
as time deposit, flexi-investments, currency selection is mandatory. |
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ii. |
As there is slight difference
in exchange rate between USD notes and USD T/T, direct conversion
between these two is not provided in iBanking. |
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C. |
Confirmation
number |
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You have to enter confirmation
number for time deposit and flexi-investment transactions. Only
numeral part of the confirmation number is required. |
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D. |
Unregistered accounts |
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For security reason, all unregistered
accounts, beneficiaries of outward remittance, and credit card
accounts are not accepted in iBanking. |
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E. |
Input formats |
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i. |
Login ID and Password: |
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a. |
You can select your own Login ID during
initial registration. Login ID cannot be altered afterwards. |
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b. |
Password should be a string of 8-14
numerals and alphabets combination. |
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c. |
Password is case sensitive. |
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ii. |
Transaction amounts |
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a. |
Amounts can be upto11 digits with 2
decimal places. |
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b. |
Gold transaction units should be integral
multiple of tael. |
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c. |
Decimal place is allowed for JPY as
settlement will be converted into HKD. |
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d. |
Stock prices can be a number with maximum
4 digits and 4 decimal places. Number of shares must be an integer
with a maximum of 10 digits. |
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F. |
Bill payment |
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i. |
Bill number should be entered
according to format shown on the statement of relevant company,
including leading zeroes. |
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ii. |
For bills with fixed bill
number, please register through the "Setup preset payee" transaction
before paying through "Payment (preset payee)" transaction. This
will facilitate subsequent payments as bill numbers have been
stored. |
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iii. |
For credit card payments,
the credit card accounts should have been registered with the
Bank before carrying out the previous step. |
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G. |
Fixed deposits |
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New fixed deposits will not
be renewed automatically on maturity date. You have to perform the "Amend
renewal instructions" transaction before maturity. |
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H. |
Enquiry |
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i. |
For account balance enquiry,
the screen will show the balance of Savings and Current accounts,
and the account number of other accounts |
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ii. |
For Foreign currency Savings
account enquiry, please click on the account number displayed
on screen mentioned in previous step. |
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iii. |
For other accounts, please
select through enquiry pull down menu. |
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iv. |
For enquiry through internet,
the account name customarily shown on statement, passbook, or
confirmation will be displayed, regardless of accessing through
Chinese or English version of iBanking. |
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v. |
Interest rates and exchange
rates shown on iBanking are for reference only since market condition
is ever changing. |
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vi. |
For enquiry of available
balance of stock linked deposit account, you may click on "Securities
services" to first select "enquiry" and then "account" and view
the "amount available" for stock purchase. |
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10.
Fees and charges
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i. |
Except transaction related
charges, access to iBanking services is basically free. iBanking
transactions (save stock trading and enquiry of stock price)
which involve fees or charges would be reminded in respective
confirmation screens. Once such a transaction is confirmed and
accepted, then the relevant fees and charges will be applied. |
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ii. |
Fees incurred for internet
access to iBanking are charged by internet service providers
and should not be considered iBanking charges by the Bank. |
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iii. |
Charging scheme for enquiry
of stock prices: |
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a. |
During charging period,
fees will be levied on all enquiries of stock prices on per enquiry
basis and no fees will be charged to enquiry of indices; |
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b. |
Charging period is defined
as the period (1) between 9:00 a.m. and 12:15 p.m. ; (2) between 1:00 p.m. and 4:15 p.m.
for normal day trading and (3) between 9:00 a.m. and 12:15 p.m. for half day trading on the eves of Christmas,
New Year and Lunar New Year. Should the stock market be closed owing to unforeseen events
such as typhoon or thunderstorm, all enquiries effected during
the said period are also subject to charges; |
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c. |
The holder of each stock
account is entitled to a basic number of free enquiries per month.
New accounts are entitled after the first order execution. Free
enquiries are not available to accounts where transactions are
not recorded in the past three months and in which there
is currently no balance; |
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d. |
The holder of a stock account
where transactions are recorded in the current month is entitled
to additional free enquiries as per the following schedule: |
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| Transaction amount (HKD) |
Number of additional free enquiries |
| $1 |
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119,999 |
300 |
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| $120,000 |
- |
199,999 |
1,000 |
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| $200,000 |
- |
999,999 |
2,000 |
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| $1,000,000 |
- |
2,999,999 |
3,300 |
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| $3,000,000 or above |
5,500 |
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e. |
The accrued number of enquires
effected during charging period and the free enquiries entitled as of
previous day will be displayed in the stock price enquiry screen; |
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f. |
Enquiry count covers the enquiries from both iBanking and Mobile Banking; |
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g. |
Should the number of enquiries
exceed the total number of free enquiries (basic number of free
enquiries + additional free enquiries), a fee of HKD0.10 per
enquiry will be levied on the exceeding number of enquiries and
the monthly cap charge per account will be HKD99,999.00. |
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| 11.
Facility requirement |
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All you need for iBanking
access are a set of reasonably configured PC, a data set for
internet connection, internet connection service and MS Internet
Explorer 5.5 or later versions. A display of 800X600 resolutions
with 16-bit color would give the best visual effect. |
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| 12.
Scope of services |
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i. |
Account
enquiry
Balance enquiry; Details of fixed deposit confirmation; Account transaction
history; iBanking transaction history; Loans account balance and collaterals. |
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ii. |
Fund transfer
Current/Savings account transfers, including third party accounts;
Fixed deposits - new, settle and amend renewal instructions. |
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iii. |
Flexi-investment
New investment; Close investment; Replenish (margin) deposit;
Withdraw (margin) deposit; Enquiry on Profit/Loss, Confirmation
detail, Flexi-investment interest rates, and terms and conditions. |
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iv. |
Stock services
Buy/Sell stocks; Change order prices; Order cancellation; Fund (Margin)
transfers; New stock subscriptions (IPO); Enquiry on share prices, indices,
order information, stock account information, current month transaction
records, and stock held inventory. |
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v. |
Payment services
Preset/cancel regular bills; Payment to preset bills; Payment to other
bills. |
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vi. |
Remittance
Outward remittance; Enquiry on inward/outward remittance. |
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vii. |
Account management
Request for check books; Request for statements; Report loss of check;
Report loss of ATM card; Report loss of fixed deposit confirmation; Report
loss of passbook; Amend personal information; Change iBanking Password;
Suspend iBanking services. |
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| 13.
Transaction Limits:
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1. |
For iBanking transaction limits,
please read "Banking security measures" listed in point (2) and
"Transaction limits" quoted in point (A. iv) here above. |
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2. |
Transaction limits per system: |
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a. |
Fixed deposits |
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| Currency |
Tenor |
Limit |
| HKD/ MOP |
1-week,2-week,15-month,
18-month, Premium Deposit
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From 50,000 to iBanking limit |
| HKD/ MOP |
1-month, 2-month, 3-month, 6-month, 12-month
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From 1,000 to iBanking limit |
| USD/ USN |
All |
500 to iBanking limit |
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b. |
Flexi-investment |
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| Currency |
Transaction |
Limit |
| HKD |
Open new investment position
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10,000 to iBanking limit |
| HKD |
Withdraw deposit
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3,000 to iBanking limit |
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c. |
Securities Services - Fund transfer |
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under HKD500,000.00 |
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| 14.
Other enquiry
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You may call hotline 28556007
or come to our Headquarters or any branch during office hours
or direct your enquiry to tfbeb@taifungbank.com.
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