Philippines

PNB C@shNet System Security


PNB C@shNet comes with a strong system security shell and a maintainable option to control the access to various operations of the system with fine granularity. Its security measure controls access to data, regulates decision-making powers, enforces accountability, ensures accuracy and reliability of data, and prevents unauthorized modification of data.

Operational Control

  • User Entitlement and Authorization
    Through the administration module, various access and authorization levels can be defined and assigned to specific users and account numbers. Log-in controls prevents same user code to be used in same terminal or other terminal. In case the user has not properly logged off, system will automatically log-off the user once the user’s session expires.
  • Customer Administration
    Customer may opt to be the Access Administrator for its company and shall designate its company administrator who shall define and manage company users and their rights and establish access authorization rules.
  • Change Password
    Change password is prompted based on given parameters to ensure that company users maintain passwords for increased security.

Maker-Checker Concept

The Maker-Checker facility is an integral part of the PNB C@shNet system. This helps to reduce errors and unauthorized data entry into the system and may also be a tool in preventing frauds.

Maker – is a user who creates, modifies or deletes an existing record.

Checker - designated officer who approves/authorizes the creation, modification or deletion of a record.

Access Control

The system uses the following methods to prevent unauthorized access and implementation in the system.
  • User Authentication
    User must use the assigned Login ID and password to log on the system each time. The system uses this ID and password as validation mechanism to identify the user. Once validated, menu options displayed shall be limited to functionalities which the user has been granted access rights.
  • Session Time-out
    The system automatically logs out the user after the specified period of inactivity. Session time-out prevents misuse of the system and unauthorized access to data in case a valid user leaves the system without logging out.
  • Password Expiry
    The system requires every user to change the password after a specified period. After the defined period, system shall prompt the user to make the necessary password modification and will require the use of the new assigned password on succeeding access to the system.
  • Automatic Deactivation of the User Access
    The system shall deactivate and lock the user’s access on the following cases:
    • User fails to log out of the system properly.
    • After a specified number of unsuccessful attempts to log in.
    • No access for a specified number of days.
We are committed to provide YOU, our customers, the highest standards of service in facilitating the sale or lease of our foreclosed properties.

Deposit Board Rates

Please be advised of the changes in deposit board rates of Dollar Time Deposit and Prime Savings account. The changes shall take effect on January 1, 2014.

Fees and Charges

Please be advised of changes in our fees/charges & maintaining balance requirements given the need to align the same following the merger of PNB and Allied Bank last February 2013. The changes as applicable shall take effect on January 1, 2014.

Internet Banking

A new security feature will now be in place.

Effective May 8, 2014, we are implementing a new added security feature for your Funds Transfer transaction to a 3rd party account. A One-Time Password (OTP) which consists of 6 alpha numeric characters will be sent via SMS to your registered mobile number to complete your transaction. Kindly ensure that your mobile number is updated with us for you to be able to perform funds transfer transaction to a 3rd party account.

To update your mobile number:

• Clients based in the Philippines may download the maintenance form* and personally submit it to your branch of account together with one (1) valid ID.

• Overseas clients may download the maintenance form* and submit it together with a photocopy of any valid ID directly to your branch of account through regular mail.

Thank you for using PNB Internet Banking.

*Application forms can be downloaded from the PNB Internet Banking page.

Note: PNB will NEVER ask our customers to submit any personal information via ONLINE LINK.

YOUR SAFETY IS OUR PRIORITY.

Bank Merger

As PNB and Allied Bank continue to align their services. We are pleased to announce that PNB branches that display the interbranch transaction advisory are now capable of processing selected transactions for former Allied Bank clients. Please proceed directly to the special lanes designated for Allied Bank transactions.

Amendments in the PNB UITF's

Effective October 1, 2013, the product features of various PNB UITF's will be amended. For more details, please click this here

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