Why is my card-reader locked out for use with Online Banking? (2024)

FAQs

Why is my card reader locked? ›

If the wrong card PIN has been entered into the card-reader 3 times, the PIN will lock to protect you.

Some of the most common reasons include illegal activity, a court order for unpaid debts or taxes, a clerical error, or because the bank suspects a criminal gained access to your personal information. It can be frustrating to be locked out of your finances without knowing why.

The main reasons accounts get blocked:

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

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 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.

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.

Visit the Bank and place complain to the Bank officer. After checking why the user ID was blocked, they may guide you to file an application and the problem will be solved provided it was not your fault or breach of condition concerned with net 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.

Why is my online banking account restricted? ›

Why was my account restricted? A recent deposit(s) to one of your accounts has been identified as suspicious, irregular, fraudulent, unauthorized, or unlawful.

The error message “Account Temporarily Unavailable” could mean there is a connection issue or the site has been taken down for maintenance. If you close the site and reopen it the message will usually go away, and you can continue with your transaction.

For the security of your accounts, access to Online and Mobile Banking is locked when there are three or more failed login attempts.

It is common for banks not to authorize certain transactions based on their internal policies. When a payment fails, it is likely due to filters the bank applies to certain transactions made online, or amount limitations applied to the card.

Online banking is at risk of cybersecurity threats that could expose confidential and sensitive financial information of the customer. Hackers use various tactics like phishing attacks, malware, and ransomware to gain unauthorized access to accounts.

Check the Physical Write Protection Switch

Make sure this switch is set to the “unlocked” position: Locate the Switch: The switch is usually on the side of the SD card. It might be labeled with a padlock icon. Move the Switch: Slide the switch to the “unlocked” position.

How Does it Work? The debit card scam text message is a type of phishing scam text message in which fraudsters pose as your financial institution. In these messages, the 'bank' falsely claims that your debit card account is locked. They usually use terms like 'urgent' and similar to catch your attention.

After typing 3 wrong pins (it doesn't have to be on the same day) the chip of your card will be blocked. To unblock your chip, you can go to an ATM from a major bank. You should be able to see a new 'PIN Unlock' option or you can otherwise view your remaining amount. A third option would be to withdraw cash.

It can happen due to a variety of reasons such as entering the wrong PIN multiple times, expiration, theft, or loss of the card. However, the good news is that unblocking your ATM card is simple.