1. What is CUB Net banking?

CUB Net banking is the internet banking service provided by City Union Bank (CUB) to all its customers. It is the most comfortable channel for you to experience round the clock banking from any part of the world.

2. Who are eligible for CUB Net Banking?

All City Union Bank Savings Bank, Current account and ODCC account holders are eligible for net banking facility.

3. Will I be charged for the net banking facility?

No. Currently, the Net Banking is offered free of charge. However, all minimum balance/deposit amount requirements of the relevant accounts, if any, need to be honored.

4. How to get the internet banking facility?

The branch in which the customer is having their main account (Base Branch) can be approached to get the application form . Submit the duly filled up application form to the base branch. CUB Net banking facility will be activated and the customer will be notified on their Registered Mobile Number (RMN)and their e- mail ID. The customer will be sent the login password and the transaction password by mail to their registered address. Customers can log into CUB Net banking account using the above passwords, also called internet PINs.

5. How safe are my requests/transactions in Net Banking? Or What security City Union Bank provides in Net-Banking?

Encryption: Your Data and Messages travel in a 256 Bit SSL mode encryption technique which involves scrambling of the information between the user and the Bank to ensure the security of the transactions.

Password: A unique user id and a corresponding Password is received from the user and is validated against the records held at our end. For each financial transaction an additional transaction password is also obtained from the user for validation and verification. These passwords are not known to anybody except the user himself not even the bank’s employees. If any unauthorized user try to access the account by keying in various combinations of the password, the account automatically get locked. Moreover, when the user logs into CUB Net Banking, the last date and time of log-in is displayed so that the user can make sure that nobody has accessed the account.

Change Password Option: You are provided with an option to change your passwords any number of times through the application. You can change the passwords whenever you feel that your passwords may have been compromised.

Data Confidentiality: Your data and other information are kept highly confidential. This will not be disclosed to anybody unless legally warranted.

Password Confidentiality: Your Passwords are known only to you. The Passwords are randomly generated by the system and will not be known to any person in the Bank.

Number of Attempts to Login: Since your security is of foremost importance to us, we only allow five attempts for you to login. After the 3rd attempt your User id will be automatically get locked. The status will unlock after one hour for password attempt.

Validity of Passwords: Your passwords are valid for 360 days. System will prompt you to change your passwords from 10 days before expiry of 360 days from the date of previous change.

Expiry of Passwords: Your passwords will expire after 90 days of generation if you have not logged in. You can activate the net banking by online itself. The password Activation request screen will display after entering the Login id & Password. Enter the following details to activate the Net banking.

After submitting the received OTP in online, the activation is done.

6.I have not received any information about my CUB Net Banking Application Form whom do I Contact?

Visit city union bank website and download the forms from the downloads page (https://cub.ideastoreach.com/download-cub-application-forms-and-other-forms)

7. What are the requirements for me to access the facility?

One requires the followings to access the facility. 1. A Personal Computer. 2. An internet connection. 3. A browser (Microsoft IE 10.0+, Google chrome 45+ and above and Mozilla Firefox 39.0+) 4. User id provided by the bank 5. Login and Transaction passwords – provided by the Bank first time –to be changed by the users. As a security measure, we advise the customers not to access the net-banking from browsing centers even though we have provided basic security features.

8. What is my User id and Password?

User id is the customer identification number that you will receive on enrolling for CUB Net Banking. This Code will be used by the Bank to uniquely identify you as a CUB Net Banking Customer. You will receive a set of passwords namely Login Password and Transaction Password as well as User id in separate mails for security reasons. On your first login you will be forced to change your passwords to passwords of your choice.

9. How to obtain User id and Passwords?

You will be issued User id and Password only against your specific request after you sign the application to avail the service. You will have to submit the duly filled in application to your branch where you are maintaining your accounts. The Branch will process the application and you will then receive the User id and Passwords in separate mails.

10. What are the services available in CUB Net banking ?


Account Statement

Transaction History

Funds Transfer

Own Accounts

Other CUB Accounts

Other Bank Accounts

Manage Beneficiary

Cardless Withdrawal at ATM


Loan Against Deposit (LAD)


Fixed Deposit (FD)

Recurring Deposit (RD)

Flexi Fix Deposit



Billpay and Recharge

Billpay and Recharge


Debit/ATM Card Block

Debit/ATM Card Limit



Pending Bills

Inward Clearance Cheque

UTR Status

IMPS Status

Profile Settings

Multi Factor Authentication (MFA)

Contact Details

User Preferences

Login History

Track your Money

Track your Money

Pay Your Tax


Income Tax E-filing

View Tax Credit Statement (Form 26AS)

Change Your PIN

Mobile banking PIN

Call Center TPIN

Debit/ATM Card Pin

Net banking Passwords

11. How to Login?

You have to visit our Net Banking web site http://www.onlinecub.net to login. You will require the User id, Login Password and Transaction Password sent to you to login to CUB Net Banking Web Site.

12. How will I know that my transaction has been completed?

Depending upon the transaction CUB Net Banking system provides one of the following:

13. What is meant by "Real-Time or online transactions"?

In Net Banking parlance, customer requests are taken and acted upon immediately. All the transactions are processed immediately and automatically by the system. The responses to the queries are also given instantly depicting the current position of the accounts of the customers. Hence the transactions are termed as “Real time or online transactions”.

14. Can I access all my accounts available in different branches under one login id?

Yes. If all the accounts are linked to the same customer number/id, you can view all the accounts.

15. Can I access my accounts when I am out of station?

Yes. The accounts can be accessed from anywhere, any time through internet using your computer or smart phone.

16. I have forgot my Login ID and Password what should I do?

Use Forgot password option to lodge a request through online. The new password pin mailer will be sent to your registered address within 4 working days after receipt.

17. How often I have to Change My Password?

For security reasons, system will force you to change the Password every 90 days. The system will alert 5 Days before the due date. If you do not change it at the time of alert, after the 90th day the system will force you to change the Login and Transaction Password according to the facility.

18. How can I send the Request to reset my password through online?

You can use the "FORGOT PASSWORD" option to send the request through online. The new password pin mailer will be dispatched to your registered address. (Check and update)

19. How to use the Forgot Password option?

This option is for users who have forgotten their password and not registered a valid e-mail address with CUB. They should know their first name as available in the bank’s records. Go to the base branch to find out the first name of the account holder, available in the Bank’s records. The password-PIN mailer will be sent to the registered address within 4 days from the date of request.

20. Is there any way to get my password online?

This option can be used by the users who are using internet banking, have their e-mail id and mobile number registered with the Internet Banking and know their first name as available in the bank’s records. The steps involved are,

Enter your login id in the login id column.

Choose your branch in which you are having your account.

Enter your First name as available in the bank’s records (If the same is not available with you please approach the branch to get the first name or you can find your First name after Login)

Enter your email id as you have registered in the net banking.

Choose the password that needs to be generated by clicking on the check boxes

Then click on the ‘Generate Online Verification Code (OVC)’ and “submit”.

A request id and a online verification code (OVC) will be sent to your mail id and the request id will be shown in the screen also.

Open your mail box and note down the request id and OVC from the mail sent by us.

Now in the internet banking log-in screen Click on the option CLICK HERE TO GO TO VERIFY OVC SCREEN (available at the top of the page in a rectangular box) and enter the request id and (Online verification code) OVC in the appropriate columns and also the other fields as required.

After entering the data correctly click on Verify Code and Go to Password Selection Screen. You will be navigated to the change password screen where you will be prompted to type your Login password and Transaction Password (If you opted to change both) and confirm your password by retyping it.

Now you are ready to login to your internet banking account.

21. I am not able to read some digits of the password. What should I do?

The Internet PIN (password) is a Alpha Numeric code which is randomly generated by the system and the only person having access to it is you. We would therefore request you to apply for regeneration of the password.

22. Why is my Net Banking IPIN (password) not functioning?

There could be various reasons for the PIN (password) not functioning . The most common reason is : * The PIN (password) is case-sensitive and may not have been entered in the same lower or upper case as mentioned in the PIN envelope sent to you.

23. How do I change my password?

* Go to Net banking Login page and enter the customer id and the login password which was sent to you from the Bank

* After successful enter the login password, you will prompt to change your both login & Transaction password.

* You need to set the password with alpha-numeric and the minimum character length is 6 and maximum of 22. (Sample password phrase will be shown at the bottom of the password change window).

24. I have changed my password but am unable to use my old or new password. What am I supposed to do?

This is possibly because:

* you have entered an incorrect IPIN (password)

* after five unsuccessful attempts, access to Net Banking has been disabled for security reasons. It will get released automatically after an hour.

25. How can I block my IPIN (password) or un-register?

Block your Net banking by using SMS as per the below format.

Type a message from your registered mobile number BLOCK > and send to 9281056789

To unblock your net banking, a written letter needs to submit in the home branch.

26. What is MFA? How to register in the Net banking?

In order to conduct online transactions in a secured way, we have provided Security Features in Net banking.

27. How to register the Image & security question?

There are 3 steps to get registered –one time only

1. Registering for Image Recognition, Challenge Question and Welcome Message

This consists of 3 steps.

Immediately after Login to the net banking, you are asked to choose a question out of the available questions and to provide the answer for the same. This question will be asked by the system subsequently whenever the user changes the e-mail address. Only on providing the correct answer, the system allows the user to proceed further. This is to prevent Phishing Attack.

To select one image out of 12 Images shown. When the user log in to the net banking subsequently , the selected image along with 3 other random images will be shown and the user will be asked to select his image. If the user selects wrong image for more than 3 times the challenge question will be asked along with the images and you will be asked to enter the answer for the same or select the image. Only upon providing correct answer or selecting the correct image you will be permitted to proceed further. This image can be changed using Main Menu Profile Settings->Multifactor Authentication (MFA)-> Change MFA option.

Next, the customer will be asked to enter a message or slogan which will be shown to them at the time of login subsequently. By seeing this message/slogan the customer can be sure that they are logging into the secured net banking site of the bank.

28. What is OTP? How to register?

One time Password (OTP) this will be sent to your Registered Mobile for every Transaction. After the completion of registration of the image recognition, challenge question and welcome message, the System will show the registered Mobile Number as available in the bank records. If the Mobile Number is correct, Click the Register Button in the bottom of the page to proceed for GRID Registration. If the Mobile Number is incorrect Click on the skip Button and approach the Parent branch to change the Mobile Number.

29. What are the measures I can take to ensure greater security?

Last Updated on: 03-09-2022 12:29:42 PM

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