MUC Bank Net Banking: Complete Guide to Features & Login

Key Takeaways
 

• MUC Bank Net Banking is a safe and quick way to manage your account, and you can use it at any time of the day.
   
• With MUC Bank Net Banking, you can easily pay bills, check your balance, and send money without going to the bank.
   
• MUC Bank Net Banking keeps your account secure with OTP verification, instant alerts, and safe login systems to protect your money.

BONUS: BETTER REGULATION OF URBAN CO-OPERATIVE BANKS LIKE MUCB WAS ENSURED AFTER THEY WERE BROUGHT UNDER RBI SUPERVISION AND DEPOSIT INSURANCE FROM 1966.

BONUS: THE BANK OFFERS BETTER CUSTOMER SERVICE THROUGH ITS CORE BANKING SYSTEM, WHICH IS AVAILABLE AT ALL 58 BRANCHES ACROSS GUJARAT AND MAHARASHTRA.

MUC Bank Net Banking is an online banking service by Mehsana Urban Co-Operative Bank that allows customers to access and manage their accounts digitally, anytime, anywhere.

Meet Rahul, a 34-year-old marketing executive who travels often for work. Managing his finances was difficult with his hectic routine, until he discovered MUC Bank Net Banking. 

Now, Rahul checks his balance, views past transactions, and transfers money anytime, from anywhere. In August alone, he made over ₹1,20,000 in transfers without visiting a branch. 

He uses RTGS and NEFT, and even IMPS for late-night payments. Bill payments, too, are now just a few clicks away. Like Rahul, thousands of users are switching to MUC Bank Net Banking for fast, secure, and convenient digital banking on the go.

During the financial year ending March 2022, they sanctioned digital loans worth Rs 83,091 crore. The impetus being provided by these digital services and underwritten by reforms made under EASE 4.0 is making banking easier and quicker for everyone.

Let’s now explore how MUC Bank Net Banking works, its features, and how you can get started easily.

What is MUC Bank Net Banking?

Mehsana Urban Co-Operative Bank Ltd. started on 23rd October 1983 with just one branch and ₹304.65 crore in share capital. It is registered under the Multi-State Co-Operative Society Act, 2002. The RBI gave it a licence number DB/UBD GJ 357 P.

By 31st March 2020, the bank's paid-up capital had grown to ₹304.65 crores. In 2000, the RBI declared it a Scheduled Bank.

The bank offers core banking, UPI, and 24x7 fund transfers. You can use Internet Banking for RTGS, NEFT, and IMPS. It also provides WhatsApp Banking for balance checks and mini-statements.

Services offered by MUC Bank Net Banking:

MUC Bank Net Banking lets you do more than just view your balance. You can manage multiple tasks online. Here's a table summarising the services offered by MUC Bank Net Banking:
 

From sending money to stopping cheques, MUC Bank Net Banking covers every daily banking need.

Benefits of using MUC Bank Net Banking:

Net Banking saves time and brings the bank to your home. Here are some benefits of using MUC Bank Net Banking:

• Anytime access: you can have access to your account at any time, that is 24/7. You would just need an internet connection, however.
   
• Payment for bills and others: you may pay for utility bills, insurance premiums, other bills, and even online shopping. When you want and need to buy something online, you may now pay through the internet.
   
• Transfer money: you can transfer funds from one account to another; from your account to the other's bank accounts, for instance.
   
• Check your balance: You monitor your account balance and see how your transactions happened.
   
• Enable auto payments: You can auto-pay bills regularly each month
   
• Download or print statements: It can be used to have your statements ready for tax or just personal record purposes.
   
• Request for a chequebook and debit cards: You apply online with your bank.
   
• Opening fixed or recurring deposits: You can open a fixed or recurring deposit very fast.
   
• Recharge prepaid mobile/DTH and data card: You can recharge your prepaid mobile / DTH and data card.

These features make MUC Bank Net Banking a one-stop solution for digital banking needs.

How to register for MUC Bank Net Banking?

Here’s the step-by-step process on how to register for MUC Bank Net Banking:

1. Visit the nearest branch of Mehsana Urban Co-operative Bank.
    
2. Get the application form.
    
3. Fill up the form as per the details about your personal and account details.
    
4. Submit the form along with your required documents.
    
5. The bank will process your application, which may take a period of 1 to 5 days.
    
6. Once your application is approved, you'll get your Internet Banking User ID and Password.
    
7. Log on to the Internet Banking portal with your credentials. 
    
8. It is advised to change your password upon the first log-in for extra security.

Once you register, you can access your account online without going to the branch again.

How to log into MUCB Net Banking:

Here’s the step-by-step process on how to log in to MUCB Net Banking:

1. Visit the official website of MUC Bank.
    
2. Click on ‘Internet Banking’ in the top right corner of the page.
    
3. Click on ‘Click here to Login’ in the middle of the page.
    
4. On the login page, enter your User ID, Password, Verification Code, and click on ‘Login’.
    
5. You’ve successfully logged into MUCB Net Banking.

This quick process helps you manage your account from your computer or phone anytime.

Disclaimer: If you don't remember your USER ID, then call the customer care of MUC Bank (02762-246822). Or, you can find the message when you register your account in the MUC Bank. That message will contain your USER ID and password for login.

How to reset the password for MUC Bank Net Banking?

Here’s the step-by-step process on how to reset the login password for MUC Bank Net Banking:

1. Visit the official website of MUC Bank.
    
2. Click on ‘Internet Banking’ in the top right corner of the page.
    
3. Click on ‘Click here to Login’ in the middle of the page.
    
4. On the login page, click on ‘Forgot Login Password’.
    
5. On the next page, fill in the details (like customer ID, translation password) and click on ‘Submit’.
    
6. Now you can reset your password.

Keep your new password secure and different from your old ones.

How to transfer funds via MUC Bank Net Banking?

MUCB Net Banking users can send money to others through the NEFT, RTGS, or IMPS services. While making a fund transfer, an individual needs to add a beneficiary, which includes entering the account number, IFSC code, as well as details about the bank and branch names.

Here's a step-by-step process on how to transfer funds via MUCB Net Banking.

1. Visit the official website of MUC Bank.
    
2. Log in to MUC Bank Net Banking (refer to the login steps above if needed).
    
3. Select the ‘Fund Transfer’ option.
    
4. Select the mode of transferring funds (NEFT/IMPS/RTGS).
    
5. Select the beneficiary (If you have already added the beneficiary)
    
6. Fill in all the details and click on ‘Pay’.
    
7. Enter your Transaction Password and validate the details.
    
8. A confirmation message will pop up on the screen.

This is the easiest way to send money without cash or queues.

How to add a Payee in MUC Bank Net Banking?

Before transferring money, you must add the payee. It’s a one-time step:

1. Visit the official website of MUC Bank.
    
2. Log in to MUC Bank Net Banking (refer to the login steps above if needed).
    
3. Select the ‘Fund Transfer’ option under ‘Payment and Transfer’.
    
4. Select the mode of transferring funds (NEFT/IMPS/RTGS).
    
5. Click on the ‘Register Beneficiary’ option.
    
6. Fill in the beneficiary details (like name, account number, IFSC Code).
    
7. Click on the ‘Add Payee’ button.

After adding, you can start transferring funds anytime.

Limits and Charges on transferring funds via MUC Bank Net Banking:

Here is the information about limits and charges on transferring funds via MUC Bank Net Banking in a table format:
 

Smaller transfers are free. Bigger transfers have nominal service charges.

Services offered by MUCB Net Banking:

Here is the information about services offered by MUCB Mobile Banking in a table format:
 

The MUCB app brings full banking power to your mobile.

Keep the following in mind while using net banking:

• Unique Passwords: Use unique and strong passwords for each login and transaction. For multiple user IDs, each should have its different password.

• Secure Browser: Open your bank account using a trustworthy and updated browser. The risks associated with security are minimised as it provides a safer experience.

• Anti-Virus Software: Use protective software and apply regular updates so that your machine never gets compromised.

• Public Places: Never use Public Computers: Ensure that you do not use public computers publicly for entry into your banks, as these PCs might be captured

and can get details from your Account.

• Be Alert to URLs: First of all, before entering, just verify the banking site's link. If there is an error message, then please do not give a connection because otherwise you may engage in phishing activity.

• Don't Click on Links: Don't click on links in emails that claim to be from the bank. These may link to phishing websites that will capture your information.

• Log Out After Use: Always log out of your account after using it to prevent unauthorised access.

• Update Software Regularly: Update your mobile applications and browsers with the latest security patches and upgrades.

• Avoid Public Wi-Fi: Do not access net banking through unsecured public Wi-Fi networks because they are hackable.

• Do Not Use Rooted or Jailbroken Devices: Use only non-rooted or non-jailbroken devices for net banking because their security is weakened.

• Do Not Download from Third-Party Sites: Download mobile apps only from official app stores and not from third-party websites to avoid malware.

These habits help Rahul keep his account safe from fraud.

How to Check Your Mehsana Urban Co-operative Bank Net Banking Account Balance Online:

Checking your balance takes only a few seconds online:

1. Visit the official website of MUC Bank.
    
2. Log in to MUCB Net Banking (refer to the login steps above if needed).
    
3. Click on ‘Account Details’.
    
4. You can see your account balance on the screen.

No need to visit a branch or ATM, just log in and view.

How to deactivate your MUC Bank Net Banking account:

To close your Mehsana Urban Co-operative Bank net banking account, you can write to any branch to close it.

• You can just email the bank at info@mucbank.com in order to get your internet and mobile banking cancelled.

• If someone executes unauthorised electronic transactions, report it to the bank on 1800-233-6822 or info@mucbank.com. In fact, one can even meet the Cyber Cell of the nearest police station or dial 100.

• Or, you can contact Mehsana Urban Co-operative Bank's corporate office at +91-2762-257233/34/35/36/37/38 or email at info@mucbank.com.

Deactivation is easy and can be done online or offline.

Mehsana Urban Bank Net Banking Customer Care Number

The customer care number of Mehsana Urban Bank is indeed very helpful to the net banking users. Call them at 1800-233-6822 for your queries. Their working hours from Monday to Saturday are between 10:30 AM and 6:00 PM, with a break during the 2nd and 4th Saturdays of every month. You may also send your query to the email address of info@mucbank.com to get an urgent reply.

MUC Bank Net Banking Charges and Transaction Limits Explained

MUC Bank offers digital banking services with minimal fees for most users. While basic transactions are usually free, some charges apply based on the transaction type and amount.

• NEFT Charges:
  • No charges for transactions up to ₹10,000.
  • ₹10,000 to ₹1,00,000 may have a charge of ₹50 plus applicable GST.
  • ₹2,00,000 to ₹5,00,000 may incur a charge of ₹25 plus GST.
     
• RTGS Charges:
  • RTGS is available only for amounts above ₹2,00,000.
  • Charges are similar to NEFT in most cases.
     
• Other Transaction Limits:
  • Transactions up to ₹25,00,000 are typically free of charge.
  • For amounts above ₹25,00,000 and up to ₹1,00,00,000, a 0.10% fee may be applied, along with GST.

These charges ensure that large-value fund transfers remain efficient while smaller transactions stay affordable or free.

How Safe is MUC Bank Net Banking? 

MUC Bank follows strong security protocols to keep your online banking experience safe and worry-free. Whether you're checking your balance or transferring funds, the system is designed to protect you.
 

• Separate passwords are created for login and transactions, adding an extra layer of security.
   
• Customers are encouraged not to access net banking from public devices or unsecured networks.
   
• All online transactions like NEFT, RTGS, IMPS, and bill payments are processed through secure, encrypted channels.
   
• The bank also educates customers on cyber safety, phishing awareness, and account protection tips.

These steps ensure that your banking information remains private and protected at all times.

Conclusion:

MUC Bank Net Banking makes it easy to use your bank account without going to the branch. You can check your balance, send money, pay bills, and do many other things from your phone or computer.

It works all day and night, and it is safe to use. You get messages and OTPs for every action, so your money stays protected. The app and website are both simple to use.

There are no charges for small payments, and even big payments have only small fees. Whether you are a student, worker, or business owner, this service helps save time and effort.

If you have an account with MUC Bank and are not using net banking yet, now is a good time to start. It will make your life easier and faster.

FAQs related to Mehsana Urban Co-Operative Bank Net Banking: 

Q1. Can I schedule future-dated fund transfers using MUCB Net Banking?
Yes, MUCB Net Banking allows users to schedule future payments, ensuring bills or transfers are made automatically on a chosen date.

Q2. Can I link multiple MUCB accounts under a single Net Banking login?
Yes, if you hold more than one account with MUCB, you can request linked access under a single Net Banking user ID for easier management.

Q3. Does MUCB offer customisable SMS alert settings for specific types of transactions?
Yes, you can customise SMS and email alerts for select transactions like debit card usage, fund transfers, or balance thresholds through the Net Banking dashboard.

Q4. How does MUCB handle failed transactions during fund transfers via RTGS/NEFT?
If a transaction fails due to network or account issues, the unprocessed amount is automatically reversed to your account within 1–2 working days as per RBI guidelines.

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