Locked out of online and mobile banking? (2024)

FAQs

Why am I locked out of my online banking? ›

If you find yourself being locked out of online banking (even though you know your password is right!), it could be caused by not properly logging out the last time you accessed your online banking via the mobile app or web browser.

How long does a bank account stay locked? The length of time for a bank account freeze depends on your specific situation. For a bank error, the account may be locked for 7 to 10 days, though it could be potentially longer. If the problem is more complicated, the account may stay locked for up to 30 days or more.

If your online banking account is locked, the best course of action is to contact your bank's customer support immediately.

Make sure you have cleared temporary internet files and cookies and your browser has extensions and add-ons disabled. If needed, also try restarting your device and router, and try a wired connection.

If your online banking is locked, there must be a reason. It could be that your balance is negative, and your local branch could tell you what your debits were. It could be that you deposited a check that was no good. Maybe you overdrew your account by not entering an ATM withdrawal.

You only get three attempts to log in. If you exceed these attempts your Internet Banking account will be locked. To unlock your account, you'll need to reset your password. If you've recently changed your password, you can try clearing your browser's cookies and cache.

Don't worry, you can still use your debit card at ATMs and to pay for things. But you'll need to unlock it to use with your card reader in Online Banking.

If you or someone else enters the mobile App PIN three times incorrectly, the device will automatically lock. Your Mobile Banking could also be locked due to not logging in to your Internet Banking service in the last 12 months.

Frozen accounts do not permit any debit transactions. When an account is frozen, account holders cannot make any withdrawals, purchases, or transfers. However, they may be able to continue to make deposits and transfer money into it. There is no set amount of time that an account may be frozen.

The common causes for account lockouts are: End-user mistake (typing a wrong username or password) Programs with cached credentials or active threads that retain old credentials. Service accounts passwords cached by the service control manager.

How long does it take for your bank to unlock? ›

The time it takes for a bank branch to reply to an application to unblock a bank account can vary. It often depends on the bank's policies and procedures. Typically, you can expect a response within a few business days, but it could take longer in some cases.

If you have entered an incorrect mobile banking passcode too many times, the app will have become locked. To reset your passcode open up the app and select 'Forgotten passcode'. This will take you through re-registration and let you choose a new passcode. To do this, you will need your Online Banking login details.

The main reasons accounts get blocked:

Suspected fraud. Lack of use. Suspicious transactions. Disputes with your bank.

Account freezes are normally the result of a court order, though, in some cases, the financial institution itself may initiate them. Freezes typically occur when the account holder has unpaid debts to creditors or the government, or when suspicious activity has been detected in the account.

The common causes for account lockouts are: End-user mistake (typing a wrong username or password) Programs with cached credentials or active threads that retain old credentials.