If you are a Bank Rakyat customer, you might want to know how to check your account balance quickly and conveniently. There are three ways you can do this: using i-Rakyat online banking, using ATM machines, or using e-Statement service. In this article, we will show you how to use each of these methods step by step, and also share some tips and benefits of using Bank Rakyat services.
Method 1: Using i-Rakyat Online Banking
i-Rakyat is a secure and easy way to do your banking online; 24 hours, 7 days a week and provides fast access to all your banking needs. You can check your account balance, transfer funds, pay bills, top up prepaid, and more with i-Rakyat.
How to use i-Rakyat online banking
- Register for i-Rakyat: For first-time users, you need to register for i-Rakyat first. You can refer to the guide on how to register for i-Rakyat on the Bank Rakyat website.
- Visit the i-Rakyat website: Go to the i-Rakyat website at https://www.irakyat.com.my/.
- Log in to your account: On the main page, click on “Login” and select “Personal Banking.”
- Enter your credentials: Enter your Username and click “Login.” Ensure that your Secure Phrase is correct, then click “Yes.”
- Enter your Password: Enter your Password and click “Login.”
- Access Account Overview: On the main menu of i-Rakyat, click on “Accounts Info” and select “Account Overview.”
- Check your account balance: Under “Saving and Current Account-i,” you will see your account balance and your Bank Rakyat account number.
Benefits of using i-Rakyat online banking
- You can check your account balance anytime, anywhere with an internet connection.
- You can save time and money by avoiding queues at the bank or ATM machines.
- You can enjoy low fees and charges for transactions such as fund transfers, bill payments, and more. For example, intrabank fund transfers are free, IBG fund transfers cost only RM0.10, and IBFT fund transfers cost only RM1.00 per transaction.
- You can also access other services such as Tabung Haji transactions, local bill payments, prepaid top-ups, and more.
Method 2: Using ATM Machines
Another way to check your account balance is by using ATM machines. You can find ATM machines at any Bank Rakyat branch or e-Rakyat Electronic Banking Centre. The Electronic Banking Centre also provides cash/cheque deposit machines and self-service facilities for financing repayments and local bill payments.
How to use ATM machines
- Visit an ATM: Go to any nearby ATM machine.
- Insert your card: Insert your Bank Rakyat card into the card slot.
- Choose language: Choose the language that you want to use.
- Enter your PIN: Enter your ATM PIN in the space provided.
- Select Balance Inquiry: Click on “Balance Inquiry.”
- Choose your account: Choose the account that you want to check.
- View your balance: Your Bank Rakyat account balance will be displayed.
Benefits of using ATM machines
- You can check your account balance easily with your Bank card and PIN.
- You can also withdraw cash, transfer funds, pay bills, top up prepaid, and more with ATM machines.
- You can enjoy a daily transaction limit of RM5,000 for cash withdrawal and fund transfer.
Method 3: Using e-Statement Service
The third way to check your account balance is by using e-Statement service. e-Statement is an electronic version of your bank statement that you can view online or download as a PDF file. You can access your e-Statement through i-Rakyat online banking or through email.
How to use e-Statement service
Through i-Rakyat online banking
- Log in to i-Rakyat: Log in to i-Rakyat online banking as usual.
- Access e-Services: On the main menu, click on “e-Services” and select “e-Statement” and then “View Statement.”
- Choose your account: Choose the account that you want to view.
- Select statement date: Choose the statement date that you want to view.
- View your e-Statement: Your e-Statement will be displayed on the screen. You can also download it as a PDF file or print it out.
Through email
- Register for e-Statement: Register for e-Statement service first. You can do this at any Bank Rakyat branch or through i-Rakyat online banking. For more details on how to register for e-Statement service, please refer to this link.
- Receive email notification: Once you have registered, you will receive an email notification every month when your e-Statement is ready.
- Open the email: Open the email and click on the link to view your e-Statement. You will need to enter your email and password that you have set during registration.
- View your e-Statement: Your e-Statement will be displayed on the screen. You can also download it as a PDF file or print it out.
Benefits of using e-Statement service
- You can check your account balance and transaction history for up to 12 months.
- You can save paper and the environment by opting for e-Statement instead of a paper statement.
- You can also enjoy convenience and security by receiving your e-Statement through email.
Conclusion
In this article, we have shown you how to check your Bank Rakyat account balance online or at the ATM counter in Malaysia in 3 easy ways. We hope that this article has been helpful and informative for you.