::Welcome to Jammu and Kashmir Bank Limited ::

Support Services

	Technology application has remained the thrust area of the Bank for last many years with an objective to offer state of the art world class Banking facilities to its customers. The Bank continued to leverage information technology as a strategic tool for its business operations, to gain competitive edge in customer service as well as improving productivity and efficiency. The Bank’s IT strategy emphasizes enhanced level of customer services through 24x7 availability, multi-channel Banking and cost efficiency through optimal use of electronic channels, wider market reach and opportunities for cross-selling. The Bank’s focus is on harnessing technology for integrating diverse products and services. Keeping this in view, the Bank continued to widen the scope of multiple delivery channels such as ATM installations, Anywhere Banking , Internet Banking and SMS Banking at more & more centres.
Anywhere Banking

	Features	Power to Access to your accounts across our branch network. The facilities include Cash Deposit/Withdrawal and transfer. Outstation Cheque collection. Click here to get the list of branches providing Anywhere Banking facilitiy

Internet Banking

	Features	Available for both Retail and Corporate users. SMS Banking Statement of Accounts. Funds Transfer. Click Here to Download Internet Banking Form to register as a retail user (Submit the filled form at your branch for creation of your Internet banking user) Click here to Download the Internet Banking Form to register as a Corporate user. (Submit the filled form at your branch for creation of your Internet banking user) Click here to view the list of branches where Internet banking facility is available
	Corporate Internet Banking	Both corporate and retail clients can access their accounts anytime and from any location via the World Wide Web. Presently following services are available to the corporate clients: Access/view of accounts Transfer of Funds between self linked accounts maintained with our bank. Transfer of Funds from their own accounts to external accounts (e.g. Vendor payment) Transfer of Funds from external to own accounts (e.g. dealer collection). Transfers of Bulk upload. Transfer to non J & K Bank account holders through RBI NEFT. Transfer of non-standard bills. Utility bill payments. Request for DD/PO, Chequebook, stop payment, opening of fixed deposit and letter of credit.
	Ecommerce facility for JK Bank Ebanking customers	J & K Bank Secure Payment Gateway, to provide ecommerce facility to the ebanking customers. Tie up with M/S Avenues India Pvt. Ltd. (ccevenue), an online shopping site, for extending ecommerce facility to the ebanking customers. The facility shall be available to only such ebanking users, which have been enabled by the Bank for Bill Payment facility. eBanking users intending to purchase goods online through the Ccavenue shopping site shall be required to: Logon to the Master Merchant’s (M/S Avenues India Pvt. Ltd.) website http://world.ccavenue.com/content/clients.jsp., Select the item to be purchased Select ebanking as the mode of payment. Select the J & K Bank and the system will take the user to the J & K Bank’s ebanking site prompting him to enter his ebanking user-id and password. After entering the Bank’s ebanking site the customer will be able to pay the amount of bill by debit to its own account.

SMS Banking
		Be in touch with your account on the move.
	Features	Balance Enquiry Transaction enquiry Cheque Status Enquiry Fund Transfer Click here to view the list of branches where Internet banking facility is available Click Here to Download Internet Banking Form to register as a retail user . (Submit the filled form at your branch for creation of your Internet banking user) Click here to Download the Internet Banking Form to register as a Corporate user. (Submit the filled form at your branch for creation of your Internet banking user) Click Here to Download the SMS Banking Keywords for registered users.

ATM Services

	Features	A network of 198 ATMs deployed across the country. Accepting Maestro / Cirrus / Mastercard / VISA / NFS atm / debit / credit cards. Click here to view the list of JK Bank ATM locations.
Debit Cards

	Features	Pin Based -Maestro / Cirrus Debit Card Provides online access to savings or current account. Accepted at all Domestic as Well as International MasterCard™,Maestro™,Cirrus™ Enabled ATM's and Point Of Sale locations. Accepted at National Financial Switch (NFS) ATM's. No Transaction Fee at JK Bank ATM's No Transaction Fee on purchases Click Here to the list of branches where Global Access Cards are issued. Click Here for More Information.
Credit Cards
	Features	20-50 day Credit Free Period Revolving Credit Facility on paying of minimum payment due in the same billing period. Hassle free credit facility at competitive rate of interest. Cash Withdrawal Facility upto 20% of total credit limit. Loyalty programme 24 Hour Customer Assistance at JK Bank Helpdesk. Click Here for More Information
Merchant Acquiring

	Features	All types of Visa & MasterCard based cards Accepted Can Extend American Express Card Acceptance Quick Merchant Payment Merchant Helpdesk and Onsite Support. Competitive Commission Rates No hidden Charges Click Here for More Information111