Introduction Innovations in Information and Communication Technologies (ICT) have brought tremendous change to the way people work,

interact and conduct their daily lives. ICT has transformed the global economy and has heralded a new and dynamic information society. The financial sector as a key component of the global economy has also been set in motion by the ICT revolution. This is resulting in new delivery channels for banking products, and services, which include ATMs, Internet banking, telebanking, PC banking and various others. Electronic banking has changed the way the banking industry does business by forcing the industry to consider nontraditional channels of delivering services to customers. Electronic banking provides the facility to the customers to access their accounts and execute transactions electronically in a very easier way by visiting the bank websites at any time i.e. 24 hours a day, 7 days a week. By using this facility individual and companies are saving a lot of their time and money. Pakistan has been among the late entrants into ebanking. The first ATM switch was setup in 1999 and in 2000 Internet Banking was introduced.

MCB VIRTUAL BANKING MCB Virtual Internet Banking offers the convenience to manage and control bank account and finances; when people want and where they want. MCBs Virtual Internet Banking facility is Simple ,Secure ,Free of cost MCB Virtual Banking Offer: MCB Virtual Internet Banking offers a wide range of online services which makes banking accessible anytime and from anywhere. Detailed Account Summary of all listed accounts. Mini-statements of each of the listed accounts showing last 6 transactions for those account(s). Statement-by-Period of each of the listed accounts, based on the period specified. Payment of utility bills for registered Utility Companies. Bulk Salary Transfer for Corporate Customers, to facilitate them in paying salary to the corporate employees who maintain accounts with MCB.

Payment/Transfer Alerts for reminding, in advance, prior to the processing of specified payments and transfers. Mobile Recharge facility for all mobile companies.

MCB ONLINE SERVICES ATM, Call Center, Bill Payments

MCB ATM SERVICES MCB ATM Card

ATMs self-service multi-functional system not only provides convenience and flexibility to customers but also helps the Bank to reduce the work load and cash handling cost at the branches counters. MCB ATM Smart Card is accepted at over 4,500 ATMs nationwide. MCB ATM Smart Card enables to access fast cash, inquire account balance, transfer funds and pay utility and mobile bills/mobile top-ups from any of over 550 MCB ATMs in the country. Card Categories: MCB ATM Regular Card Allows withdrawal of up to Rs.15,000 per day and a maximum of 3 withdrawals per day. MCB ATM Gold Card Allows withdrawal up to Rs. 25,000 per day and a maximum of 6 withdrawals per day. The cardholder has to make at least two transactions to withdraw the full amount of Rs. 25,000.

ACCEPTABILITY
ATM Usage outside Pakistan Your MCB ATM Card can be used to access your MCB account from anywhere around the globe. MCB ATM is accepted at 634,700 locations where there is Master Card or Cirrus ATMs allowing you a daily withdrawal limit of US$ 200 (or equivalent in other currencies) on availability of funds in your account. Plus, the convenience of shopping through over 5 million Maestro POS (Point of Sales) terminals globally. ATM Usage within Pakistan MCB Bank has the largest ATM Network in the country with over 400 ATMs and over 700 online branches. The MCB ATM Card can be used in over 70 cities in Pakistan. Whether you want to withdraw cash or ask for a mini-account statement, or even use it as a debit card at

Maestro POS terminals, the MCB ATM Card gives you instant access to your bank account, anytime, anywhere.
Additional Conveniences:

MCB Mobile Banking helps you use your GSM Phone to access mini-account statements and balance information from anywhere. Funds Transfer Facility enables you to transfer funds from one registered ATM Account to another