Sms-based mobile banking is the easiest way to transact money matters. Unlike Net banking, it doesn’t require GPRS or data connectivity or a highend phone. All you need to do is send a text message with the specific keywords to a bank’s predefined banking number. Instantly, the bank reverts with the relevant information. Different banks offer different services but the most commonly available are balance enquiry, cheque status enquiry, cheque book request, stop cheque request and mobile-to-mobile fund transfer. Every bank has a different keyword and text number. In case the wrong keyword, account number or MPIN are entered, the service are not processed further. Here, it is always advisable to delete all messages sent and received that carry any information about the bank account.