Non-Face-to-Face Financial Life During Chuseok Holiday... How to Utilize Savings Banks 200%

[Asia Economy Reporter Kim Min-young] Offline branches of savings banks will be closed during the 5-day Chuseok holiday period. Here are some useful non-face-to-face ‘200% utilization methods for savings banks’ to know.

◆"Was that phone call just now a voice phishing attempt?" If you suspect voice phishing cases during the holiday.

The savings bank industry is working hard to prevent potential financial fraud damages that may occur during the Chuseok period. JT Chin-Ae Savings Bank has posted related images on the main page of its website to help customers easily identify the ‘Loan Finance Act (tentative name) violation threat voice phishing’ method. In addition, to prevent damage caused by illegal loan sales calls impersonating savings banks, the company’s phone number is publicly announced.

Pepper Savings Bank is also posting information about illegal applications (apps) and voice phishing scams on its website popup screen, and Korea Investment Savings Bank provides quick access services on its homepage main page for voice phishing-related information such as ▲Report phone numbers ▲Loan-related scam methods ▲Impersonation scam methods ▲How to respond.

If you suffer financial fraud related to savings banks or suspect damage during the Chuseok holiday period, you can also report it through the Financial Fraud Reporting Night Call Center operated by the Korea Federation of Savings Banks.

◆Use 24-hour financial services through mobile apps and chatbot consultations

If you need information and consultation about savings bank products and services during the holiday when banks are closed, try using the ‘mobile chatbot service.’ By entering keywords in the chat window, you can receive various information 24 hours a day, from branch guidance and certificate issuance procedures to loan product information.

JT Chin-Ae Savings Bank introduced the mobile chatbot service for the first time in the industry in 2017. By entering keywords in the KakaoTalk chat window, consultations are possible according to the type of inquiry, and it can be used without adding as a friend separately, making it convenient for urgent inquiries. Other savings banks also operate mobile chatbot services such as ‘Welcome Bot’ by Welcome Savings Bank and ‘Yuhaeng Bot’ by Eugene Savings Bank.

Major savings banks also have their own mobile apps. JT Chin-Ae Savings Bank operates the mobile app ‘JT Chin-Ae Mobile Banking,’ which provides various services from loan product inquiries to loan applications with just a simple identity verification process. SBI Savings Bank’s ‘Cider Bank,’ Welcome Savings Bank’s ‘Welcome Digital Bank,’ and JT Savings Bank’s ‘JT Savings Bank’ also support various non-face-to-face services.

◆"I need to send allowance to my parents..." Easy remittance and withdrawal for savings bank customers

If you plan to send allowance to your parents instead of visiting your hometown, try using the fintech easy remittance service linked with the Korea Federation of Savings Banks. Last year, the Korea Federation of Savings Banks provided easy payment and remittance services through partnerships with Toss, KakaoPay, and Payco, and last month, it signed a business agreement with Naver Financial, enabling savings bank customers to use remittance and payment services through savings bank ordinary deposit accounts on Naver Pay.

An industry official said, “Ahead of the first Chuseok since COVID-19, we are putting our utmost effort into ensuring that customers can use financial services conveniently without suffering financial fraud damage.”