There were days when a human being had to stand in a big hall in a queue in front of a counter. These counters were many and usually had people who seemed to be always in a hurry and also visibly irritated. So getting rebuked for taking some amount of time to carry out transactions like filling up slips for taking out money and also for making payments, was a everyday as well as a routine occurrence. This was the bank, a place which was filled with energy and lots of noise as well as intense amount of activity in the form of shouting employees and busy clerks. One may always remember the somber looking clerk giving instructions to carry out a certain procedure even without feeling the need to lift his head in order to see the person to whom he was giving the instructions. Hence going to a bank was quite a pleasant as well as a learning experience for many individuals. The charms of the past still stay in the major branches and offices of many big as well as small banks today. Although this charm is quite enjoyable for people who are young and sometimes even enjoyable, but it can be quite tedious for people belonging to the old and the experienced category. Technology has unfolded a new gift in their hands in the form of Internet which permits them to carry out their banking transactions while being comfortably seated in their houses. They can therefore take the advantage of online banking services and perform all the needed operations in an ample amount of time without having to be stressed out by the every busy clerk. All the features which form the basis of banking operations in a bank are now incorporated in a banking website. Hence the user has the luxury of having lots of time to go through all the information related to the specific service that he requires. These websites are created keeping the fact that not every person is a computer expert and hence are easy to handle and use. They are therefore becoming the preferred choice for a large number of customers today and hence online banking services are here to stay. All the necessary and sometimes required features can be done with the help of a banking website. Hence the user can make payments 'online' and he can also transfer required amount of funds from his account to another person's account. The user is also able to apply for loans by filling up online forms and he can also take print outs of his bank statements in a very efficient manner. These are some of the things possible however a banking website is capable of doing many other things. One of this features is the facility to apply for a fixed term deposit online through the website. There are different norms as well as formalities for multiple banks and all of these are explained in detail in the various websites of the banks which are operating at present. The user also has the facility to access information of an exhaustive nature and hence the process becomes quite simple in when the user applies online. There are many banks which are giving the facility of fixed term deposit and these features are characterized by facets such as the tenure required for paying the interest. The rate of interest varies for different banks and there are also various schemes that are provided specially for customers who belong to the old age group. Hence there are banks like SBI, Axis Bank, IDBI bank, Canara Bank and many more, which are giving this facility. The ease of this facility is improved further by the online feature and hence the online banking services in this regard are quite useful and therefore the facility is therefore fast and revolutionary. The Internet has hence
changed the way people handle their banking procedures.
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