5 Ways to Easily Track Transaction History
5 Ways to Easily Track Transaction History
Most of the Indonesian population has adapted to the new banking habits. People now frequently conduct transactions using payment methods such as mobile banking, internet banking, and ATM banking. This has made things quite convenient as all three have many features, one of which is checking transaction history.
Users can simply check their transaction history by accessing the available features on these three payment methods. With mobile banking and internet banking, one can observe transaction history through the "mutasi" (mutation) feature. Through this feature, users can view transaction history ranging from one month to three months.
So, why is transaction history important for the world of financial technology? Furthermore, what are the benefits for both financial technology and users? Let's dive into this article to find out.
What is Transaction History?
In general, transaction history refers to a type of transaction data that you may search for and need within a certain period. In some mobile banking applications, the timeframe could be up to seven days, while in others, it could extend up to a month.
However, if you require transaction history spanning from three to six months, the best way is to visit the bank. You will be asked to fill out a form and then given a series of questions by customer service.
It won't take long to receive your transaction history. Once the form is complete and the data you provide meets the requirements, your request will be processed promptly, and you'll obtain your transaction history.
The Importance of Maintaining Transaction History
Why is it essential to pay close attention to transaction history? This is done to prevent data leaks to unauthorized parties. Therefore, if there are unauthorized parties attempting to access your transaction history, they won't be able to do so. Especially if one wants to know over a significant period, preventive measures should be taken.
Banks usually conduct checks by inquiring about the purpose of requesting transaction history. What is the need for the bank to issue it in the form of a bank statement? Hence, this underscores the importance of maintaining transaction history properly and accurately.
How to Find Transaction History
There are many ways for bank users to find transaction history. It's something anyone can do as it's easy and practical. Users want to know this to see the inflow and outflow of funds from their bank accounts. Here are five ways:
1. Visit the Bank Teller Directly
The first and easiest method, albeit conventional, is to go to the bank and meet the teller. The requirements are simple; you only need to bring your identity card (KTP) and your passbook. If you don't bring these or only bring one, you won't be able to check your transaction history.
When you bring all the necessary documents, you go to the bank and take a queue number to approach the bank teller. During your turn, you explain your intention to check transaction history. Then, you wait for a moment until the printing process is completed. Once finished, you can see all the transactions in your account as needed.
2. Check via ATM Machine
If you're reluctant to visit the bank, you can visit the nearest ATM. The second method is arguably more practical and time-saving as it doesn't require queuing. You only need your ATM card to check transaction history.
Simply put, you insert your card into the ATM, select the "account mutation" option, then press the available button and wait for the receipt to come out. The receipt usually contains the last one to five transactions in your account.
3. Check via SMS Banking
If you don't want to visit an ATM, you can check your transaction history through SMS banking. However, before doing so, you need to know the access code from the bank to proceed. This method is considered more convenient as it can be done anytime and anywhere. The difference from the above two methods is that you'll incur a pulse fee to access it. Also, you'll only get information on the last four transactions.
4. Check via Mobile Banking
The fourth method is something almost all bank service users have done. You simply download the service through the App Store or Google Play Store. Then, log in to the service and directly click on the account mutation feature. Like the third method, you can do this anytime and anywhere.
5. Check via Internet Banking
The last method is almost similar to the fourth one. You just need to open your browser, log in, and enter your password. Then, select the account mutation option and wait for a moment; your needs will be fulfilled.
When you understand the importance of transaction history, you need to check it regularly to track your expenses and income. Brick can help you understand your transaction history in real-time and with comprehensive categorization for up to 12 months.
