Internet banking has become a lifeline of financial transactions in metro city life. This facility has made the life of people easier, as they need not go to the bank branch to complete their fund transfer, bill payments, opening a fixed or current account, and any more activities. Now, bank customers can complete these tasks from anywhere. It takes a few minutes to complete any task online. With the digital penetration and widespread use of smartphones, all the banks, irrespective of their size, are now offering net banking services.

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Advantage of this service is that customers can use it 24x7 and it also saves customers from visiting the nearest bank branch. The customers can purchase any financial products - like mutual funds, insurance and other available offers, through net banking. They can do it through the bank website or app. 

However, net banking services are not free from risks. Cybercriminals these days target unsuspecting customers and the number of online frauds is rising by the day. State Bank of India (SBI), the country's largest bank, has introduced a feature through which a customer can lock their net banking access.
 
How to lock or unlock SBI netbanking?

1. For locking or unlocking the netbanking, a customer has to go to www.onlinesbi.com. 

2. Find the option "Lock and Unlock user" and click on it

3. In a new window, from the drop-down menu, select' Lock user access' option and enter your details like inernet banking username, account number and captcha code. 

4. A new pop-up will open after submission of the details 

5. There will be options:

(i) "You can lock your internet access if you feel there is any unauthorised access/transaction being performed in your account." 

(ii) "The scheduled transactions and standing instructions if any set by the user, will continue to be active and get executed as usual and there is no change in these processes." 

(iii) If a customer clicks on OK, the customers will receive an OTP on their registered mobile number. When the OTP is put and done OK, the internet access will be locked and access to internet banking will be locked.