How to Know Your Cal Bank Account Number

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Frequently Asked Questions

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• POS Device
• Current & Savings
• Investments
• E-Products
• Visa Debit Card
• Shell Card
• Mobile Banking Service
• Money Transfer
• Proxy Pay
• CalBank App
• Verified By Visa

Point of Sale (POS) Device

CalBank Point of Sale (POS) terminal or device can be located at Merchant locations to facilitate payments conveniently. The POS terminal is a portable device that accepts payments for goods & services from debit, prepaid, and credit cards. The CalBank POS terminal accepts Visa cards and all brands of MasterCard (MasterCard, Maestro).

How do I start the device?

Press and hold the green button until the VeriFone signage at the top left corner lights up. Release your hold once the blue light appears.

How do I turn off the device?

Press and hold the red button when the POS is not connected to a direct Power Source. Release your hold when you hear a beep.

How do I perform a sale?

A sale is done in two ways,

OPTION 1

1. Press the MENU button
2. Press F1 to select SALE
3. Insert CARD
4. Select the currency USD/GHS
5. Enter amount
6. Customer enters a PIN
7. Press the enter key
8. After a successful transaction, a copy of the first receipt printed belongs to the merchant press any key to print the customers receipt.

OPTION 2

1. Insert a card straight away
2. Follow the steps d to h above

How do I REPRINT a transaction's receipt?

1. Press the menu button until you see REPRINT
2. Press F1 to select REPRINT
3. POS displays "REPRINT LAST Y / N"

For last transaction effected:

1. Press ENTER to reprint last transaction

For another transaction:

1. Press 0 (zero) to reprint another transaction
2. Enter INVOICE Number and press ENTER

How do I cancel a successful transaction that has been performed?

1. If the POS has not automatically settled the transaction, then follow the process below;
2. Press the MENU button and select VOID
3. Enter your Supervisor PASSWORD
4. Enter your User ID
5. Enter the INVOICE number and press ENTER
6. Confirm the TRANSACTION by pressing ENTER
7. A receipt is printed for the MERCHANT
8. Press any key for the customer receipt to be printed

How do I print out a report?

1. Press the menu button and select REPORT
2. Enter your SUPERVISOR Password and press ENTER
3. Enter your SUPERVISOR USER ID
4. POS displays F1 for SUMMARY and F4 for DETAIL
5. Choose either F1 or F4
6. POS prints either the Summary Report or the Detailed Report as chosen

I performed a transaction but I got an error on the receipt.

The transaction was not successful. Kindly refer to the table below for the next steps.

	Error on Receipt	What to do
1.	Socket failed	Restart the device.
2.	Communication error	Check if SIM is well inserted and restart device.
3	Do not honour	The customer should contact their bank. The transaction is being declined by the Customer's bank.
4.	Insufficient funds	The customer does not have enough money in their account to cater for the transaction.
5.	Incorrect PIN	The customer is entering the wrong PIN. Kindly advise customer to contact their bank if they do not remember their PIN.
6.	Chip error	Clean the chip on the SIM card and retry. Contact CalBank on 0546850939 / 0561100839 if the feedback persists.
7.	Bad terminal ID	Select the right currency on the terminal. If the terminal is set up as a Cedi terminal, select GHS. If it is set up as a dollar currency, please select USD

I keep getting socket failed.

1. Check if the battery is fully charged. If the battery is very low, take out the battery and connect the terminal to a direct power source and perform the transaction. Afterwards, replace the battery and charge it.
2. Check if the network signal is high. The network signal can be found on the left side of the screen. If it is low or missing, check if the SIM is inserted properly. Re-start the machine, and perform the transaction again. Kindly contact the bank on 0546850939 / 0561100839 if the error persists.

Current & Savings

What are the requirements to open an account ?

• INDIVIDUAL

Who can open an account with CalBank?

Anyone within the legal age limit (18+ years) and students in tertiary institution can open and operate an account with CalBank, provided all requirements are met. Parents/Guardians can open an account In-Trust-For (ITF) minors; these are individuals below the legal age of 18 years. Activities on this account type will be managed by the Parent/Guardian.

What do I need to open an account?

The basic requirements for account opening are;

1. An identification; this includes one (1) passport sized picture and a valid National ID (acceptable options; Voter ID, National ID, Driver's Licence and International Passport)
2. Proof of address; completion of address verification form.

Applications are subject to status and internal checks.

• CORPORATE

Who can open an account with CalBank?

Any legally registered company, enterprise or institution can open a CalBank account.

What do I need to open an account?

You will need proof of company registration. That is;

1. Certificate of registration and form A (enterprise or sole proprietorship)
2. Certificate of Incorporation, Certificate to Commence Business and Form 3 (Limited Liability Companies)

• 3 years Audited Financial Statement or Letter of introduction from a Lawyer or Auditor

What types of savings accounts does CalBank have?

CalBank has an array of savings account. They include; CalBank KiddySave account, CalBank Students Account and CalBank FlexiSave account. There is also CalBank Premium Account which is a checking hybrid savings account. This account feature allows customers to draw cheque on the savings account and still earn interest.

How do I apply for a savings account?

Locate any branch of CalBank (you can use the branch locator feature on CalBank Mobile App. The App can be downloaded from Google Playstore or Apple Store). Go with the required Official Valid Documents (OVD) – refer to Account Opening Requirement for Individuals and Businesses.

How is the interest paid on my account?

Deposit earns daily simple interest on minimum balance on account. Daily interest earned is accumulated and added to the original deposit at month end. The interest is compounded on monthly basis and you earn interest on the interest.

How do I apply for a current account?

Locate any branch of CalBank (you can use the branch locator feature on CalBank Mobile App. The App can be downloaded from Google Playstore or Apple Store). Go with the required Official Valid Documents (OVD) – refer to Account Opening Requirement for Individuals and Businesses.

CalBank Investments

What are the general requirements?

General requirement to purchase an investment with CalBank

1. Must be an account holder or open an account with CalBank.
2. A completed investment form.
3. A valid Identification.
4. One (1) passport sized picture.
5. A minimum amount.

What is CalBank InvestPlus (CIP)?

CalBank InvestPlus is a uniquely designed financial investment which offers depositors a higher rate of interest as compared to a standard savings account, during the period of the investment. CalBank InvestPlus offers flexibility which allows the holder of the instrument to discount it before maturity.

How long will my money stay with the bank?

InvestPlus can be purchased for a period not exceeding 12 months (1 year). That is, a minimum period of one (1) month and a maximum twelve (12) months. One can also choose to roll over the investments upon maturity.

How much interest will I earn?

Interests paid are tiered. Hence, interest is determined by the tenor (period) of investment and the principal amount invested.

What is CalBank Fixed Deposit?

This is a high interest bearing investment instrument offered to both corporate and individual clients. It is available to only CalBank account holders. It provides clients with instant liquidity with negotiable interest rates.

How much interest will I earn?

Interests earned are tiered. Hence, interest is determined by the tenor (period) of investment and the principal amount invested.

What is Treasury Bill?

These are Government securities that are traded through CalBank. They are discount bills that can be traded at a discounted rate.

E-Products

What if my PIN gets blocked?

If your PIN gets blocked, please contact the nearest CalBank branch to request for a new PIN. However with the chip card, we can reset number of PIN tries as long as client remembers PIN code. Once client forgets PIN code, he or she has to apply for a new card.

How do I use my CalBank Visa Card for online transactions?

1. Visit your preferred online website.
2. Order your items and go to check out.
3. Input your card details i.e. name on the card, expiry date, card number, CVV/security code (last 3 digits behind card).
4. Your account will automatically be debited when transaction is successful.

CalBank Visa Debit Card

What is Chip and PIN?

Chip card is a standard size debit card plastic with both an embedded chip and a traditional magnetic stripe. The embedded microchip makes your card difficult to counterfeit or copy if it's lost or stolen. PIN stands for Personal Identification Number. The PIN is a four digit undisclosed code that is unique to you only. You will need it at the ATM, for shopping, meals, paying bills, filling up the car, withdrawing cash, etc.

How does a chip card work?

Make purchases by inserting your chip card into the chip-enabled merchant terminal. You will be asked for a PIN to complete most purchases. Account details are stored securely on the chip and passed to the merchant terminal during purchase. When chip-enabled merchant terminal during are not available, the magnetic stripe on the back of the plastic can be swiped instead.

Are chip cards secure?

Very secure. First, the encrypted chip makes CalBank Visa Debit card difficult to copy or counterfeit. Second, you can have confidence in the protection and security features that we provide for you. However, should you notice any suspicious activity on your account, please notify us immediately.

What if my PIN gets blocked?

Your PIN will be blocked if you enter your PIN wrongly more than three times. This is to protect you in the event that the card is stolen or misplaced and somebody else is trying to use it fraudulently. If your PIN gets blocked, please contact the nearest CalBank Branch.

Step-by-step instructions on how to use your Visa card

Step 1 Look for the Visa sign. If there is one, you can use your Visa Debit card in the store.

Step 2 Choose the item you would like to buy and take it to the till.

Step 3 The cashier will insert your card into the terminal at the till.

Step 4 Enter your PIN and wait for OK to appear on the screen.

What is a Visa card?

A Visa Card allows you to spend without having to carry cash around and is also used at the ATM

Why a Visa card?

A Visa card allows you to make every day purchases. It is a safe and convenient alternative to cash.

Visa cards can be used in all shops where the Visa acceptance sign is shown

Keeping your money safe:

…Keeping your money safe means that you have to keep your card safe

Treat your card like cash and DO NOT leave it lying around anywhere.

You can pay for your goods at a shop with your Visa card. This means you don't have to carry cash.

…keeping your money safe

Report a lost or stolen card immediately.

Make sure that you know your bank's phone number in case you need to stop your card.

Cover the PIN pad with your hand when entering your PIN.

What to do if you lose your card?

Stop your card straight away by calling CalBank. You can also stop your card yourself using CalNet.

Because your card has PIN, No-one else should be able to use it at an ATM as long as you have kept your PIN a secret.

Your card will be replaced instantly of you reporting it stolen or missing.

Can I deposit money at a CalBank ATM?

Yes, our new cash – In ATMs allow you to do your banking at a time that's convenient to you.

Your deposit is credited to your account instantly.

Our Cash – In ATMs put you in control of your banking and you can relax knowing that your money is secure and accounted for.

Which are the benefits of Cash-In ATMs?

Cash deposits are credited to your account instantly.

You can deposit up to 50 notes at a time

Make deposits 24/7. Avoid Long queues.

Tips for using Cash – In ATMs

ATMs take Ghana Cedis only and won't accept unrecognized notes and coins.

The Notes accepted are GHS 1, GHS 2, GHS 5, GHS 10, GHS 20 AND GHS50.

At home, put notes into bundles of 50.

At the ATM select the option for depositing notes. Remove envelopes and foreign objects such as paperclips, pins and coins before inserting notes into deposits slot.

Tips for using Cash – In ATMs

1. Insert your CalBank Card only and won't accept unrecognized notes and coins.
2. Insert notes (up to 50 notes) with their long ends into the slot (unrecognized notes will be returned).
3. Confirm your cash deposit into the right account
4. Once confirmed, the amount will reflect in your account in real-time

REMEMBER!

Always Keep your PIN a secret.

CalBank Shell Card

Will my Shell card expire?

Your card has an expiry date. This is however automatically renewed for a year if the card is used within three months of expiry.

What are the benefits of the CalBank Shell Card?

Each CalBank Shell Card comes with a confidential Personal Identification Number – PIN.

A customer can also request for a Driver Code-multi-driver option.

A choice of appropriate product combinations suitable to a Card Holder can be selected.

Card can be restricted geographically.

Card usage can also be restricted to day and night usage only.

Access to Shell quality fuels and other product – Super Extra, V.Power, Diesel Extra, Helix etc.

Monitor vehicle fuel consumption efficiency.

Security of card ensured.

The convenience of fleet management guaranteed.

How do I verify if my card is re-loaded?

You can check your top up on your card at any Shell Station with the POS. Note; after a Card is re-loaded; the top up is effective the following day. For same day use, the POS must perform a successful download. Customers' should request for a download before using on the same day of top up.

CalBank Mobile Banking Service

What is CalBank Mobile Banking?

CalBank Mobile Banking Service is an easy way to access eligible your CalBank accounts from anywhere, at any time, using your mobile phone. You can use our USSD Code (*771#) to securely view your account balances and activity, transfer money between accounts or pay bills.

What is the difference between Online Banking (CalNet) and Mobile Banking (CalBank Mobile)?

Our CalBank Mobile Banking is designed specifically for mobile phones and it runs on the USSD application. It does not require internet access to function.

CalNet on the other hand can be accessed with a computer, tablet or phone, but requires internet access to function. You can check your account balance, review your transactions, transfer funds between CalBank Accounts and pay bills through either CalNet or CalBank Mobile Banking.

What can I do with CalBank Mobile Banking Service?

You can perform the following services from the CalBank Mobile Banking Service:

• Check Balance
• Transfer Money to one's CalBank Account
• Transfer Money to another CalBank Account
• Purchase Airtime for yourself
• Purchase Airtime for another person
• Transfer funds:
  CalBank Account to MTN Mobile Money Wallet
  MTN Mobile Money Wallet to one's CalBank Account
  MTN Mobile Money Wallet to another CalBank Account
• Change your bank personal information

How do I enrol for the CalBank Mobile Banking?

If you're a CalBank customer; kindly visit any of our branches around the country and fill an application form with your details.

If you do not have a CalBank account, please visit any CalBank Branch, open a CalBank account to access the service.

What happens if my mobile phone is lost or stolen?

You should follow all steps recommended by your service provider if you lose your phone and contact any of our Customer Care Team at any CalBank Branch for assistance. You can also call us toll free on 0800 500 500 or via email at customercare@calbank.net.

How secure is CalBank Mobile Banking?

All transactions performed on CalBank Mobile Banking Service are authenticated with a 4 –digit PIN known to the subscriber only.

A subscriber has the option to change the PIN at his/her own discretion.

Our CalBank Mobile Banking Platform is secured and keeps your personal information safe.

How does the mobile phone registration work?

It is as simple. Once you have registered your phone number and account numbers at the branch, you will receive a text message to which you can reply with your activation code by dialling the short code *771# to activate. You will also be asked to enter your own security pin (4 digits).

Whom do I contact if I need help?

Contact us on customercare@calbank.net or chat live with us on our website or call the following numbers for assistance 0302 680061-9. You can also call us toll free on 0800 500 500.

Money Transfer

How do I receive a money transfer?

• Ask for the reference number associated with your transfer. The person sending you the money transfer will have the reference number.
  o Visit any CAL Bank location.
• Bring your reference number and personal valid photo identification.
• Complete the receiver form at the Bank and hand the completed form to the Teller.
• Then you will be given your money.
• You will be required to provide personal identification, usually one or more of the following: Voter's license ID, passport and National driver
• You may also be required to provide proof of address Requirements

When will the money be available for pick up?

• Money is usually available for pickup within 10 minutes* of being sent with our same day service.
• Transfers sent with the other service are usually available within three business days.

Proxy Pay

What is Proxy Pay?

Proxy Pay is a service that allows a customer (individual or Corporate) of a financial Institution to register a mobile number or an alias that is uniquely mapped to their bank accounts. Payments from other parties to that account will require provision of the alias or phone number only.

How do I register for the Proxy Pay Service?

Please follow the steps below to register on the mobile banking service;

Dial *771#>> Select Option 7 (Other Services)>> Select Option 4 (Proxy Services)>> Select Option 1 (Register Proxy)>> Select Source Account>> Select phone number to use as proxy ID

CalBank App

What is CalPay?

CalPay is an Internet-based payment gateway solution which facilitates online payments using any brand of MasterCard or Visa Card issued locally or by any foreign bank, MTN Mobile Money wallet or CalBank Account.

Can I add my card from another bank?

Yes, you can add a card from another bank to the platform once you can provide the exact amount (minimal) debited on the card during the process of adding the card.

Which merchants can I make payments to?

You can make payments to a number of merchants on the platform and these merchants are categorized under the "CalPay and Virtual Shop " section. Example Restaurants, Pharmacies, Hotels etc.

Can I load a virtual wallet on the solution?

Yes, once you have signed onto the platform, you have a CalPay wallet automatically and you can load this wallet from your CalBank account, Cards and Mobile Money wallet. You can use the CalPay wallet to make payments as all the other channels and this wallet only depends on internet to work and not any bank or telco network.

Verified By Visa

What is CalBank Verified by Visa Service (VbyV)?

It is a card security service, which aids in confirming the identity of a cardholder when a CalBank Visa Card is used; protecting, authenticating and providing an extra layer of security for online transactions.

How can I register for the service?

To ensure customers are not inconvenienced, CalBank Visa Cardholders are automatically registered on the service once a card is issued out.

What is OTP?

The One Time Password (OTP), is a randomly generated six-digit code that is sent to your registered phone number and email address with the bank whenever you undertake a transaction on Visa. The code is required to authenticate a cardholder for online transactions.

Can I receive OTP on any of my numbers?

The OTP is sent to ONLY the primary phone number and email address on a cardholder's profile with CalBank. It is always recommended that customers provide their primary phone number and emails when signing on for a Visa card.

What is the benefit of the OTP?

The OTP serves as a secondary authentication service. This helps to protect cardholders from fictitious sites and activities on their cards.

Which merchants can I make payments to?

You can make payments to a number of merchants on the platform and these merchants are categorized under the "CalPay and Virtual Shop " section. Example Restaurants, Pharmacies, Hotels etc.

Can I load a virtual wallet on the solution?

Yes, once you have signed onto the platform, you have a CalPay wallet automatically and you can load this wallet from your CalBank account, Cards and Mobile Money wallet. You can use the CalPay wallet to make payments as all the other channels and this wallet only depends on internet to work and not any bank or telco network.

How to Know Your Cal Bank Account Number

Source: https://calbank.net/service-experience-hub/frequently-asked-questions/

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