ネット銀行活用術 : 静岡銀行の特徴

静岡銀行は日本で有数の地方銀行であり、ネット銀行はしずぎんインターネット支店での口座で対応しています。

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口座管理料無料、ATM無料条件

ネット専業の銀行の多くが、ATM手数料の制限が預金残高によって縛りが設けられていることが多く、貯めるための口座としてはいいかもしれませんが、日常生活で現金引き出しを行う際に、いちいち無料かどうかを気にしたり、無駄な手数料を取られたりということが起こりえます。

また、残高が少ない人には口座管理料を取る、つまりある程度のお金持ちしか相手にしません、というスタンスの銀行があるなかで、さすがに地元密着の地方銀行がそんなことを言うわけがありません。その点は、評価できます。

とはいえ、無料で使えるATMに制限が設けられていて、静岡銀行・セブン銀行・イーネット(ファミリーマートにあります)・ローソン・イオン銀行のATMは24時間出金無料、入金は時間制限があるものの入金可能な時間帯はすべて無料になっています。

例外として、イオン銀行は入金はできません。よって、コンビニが近所にある環境であれば、静岡銀行の支店が近くになくても、あまり不便を感じることはないでしょう。なお、ほかのATM、例えば都市銀行や信託銀行、他の地方銀行では、108円ないしは216円の手数料がかかります。これは、通常のルールと同じです。なお、土日で入金できる時間帯が、朝9時から夕方5時までと短いので注意が必要です。

振込手数料は、静岡銀行の口座向けであれば、インターネットバンキングからの指示では無料となっています。よって、様々な口座に振り込む人には不向きと言えます。

静岡県在住であればメリットは更にあります

静岡県を代表する銀行だけに、静岡県内ではさらに使いやすくなっているのも特徴です。先ほど紹介のATM無料の特典は、静岡県を本拠とする全ての12信用金庫のATM、愛知県の一部の信用金庫・地方銀行、静岡県内のJAからの引き出しでも適用されます。

但し、平日の9時から18時、土曜の9時から14時までの間のみの制限付きです。静岡県内では、さらにメリットがあるといえます。

また、定期預金の金利は高めに設定されており、現時点では金額ミニマムでも大金でも、満期がいつでも同じ金利になっています。 あとユニークなのが「デザインカード」と呼ばれるサービスで、キャッシュカードのデザインを自分で作ることができることです。

銀行が用意しているのが70種類あり、更には自分で撮影した画像を使ったり、画像にスタンプを押したものをキャッシュカードにしてしまうことも可能です。世界にひとつだけのキャッシュカードとなるわけですし、愛着がわくのではないでしょうか。口座開設のときに、デザインカードを申し込む場合は手数料がかかりませんが、口座開設後の変更には手数料がかかります。最初が、肝心です。

また「しずぎんミープラス」を申し込むと、クレジットカードなどの口座引き落としの際に、残高不足の場合は銀行が自動的に貸し付けをしたり、あらかじめ定めた金額の範囲内での融資をしてくれたりと、ちょっとだけ残高不足で困った、というときに助けてくれるありがたい味方のような存在です。

年会費無料で、審査はあるものの収入・勤続年数に関係なく申し込みができます。ただ、東京・神奈川・静岡・愛知在住の人に限ってのサービスです。

高いセキュリティを用意しています

インターネットを介してのサービスですので、フィッシングや暗証番号抜き取りなど、悪質な事故への対策をきちんと立ててもらいたいものです。静岡銀行しずぎんインターネット支店では、様々な対策を立てており、利用者へのメリットとなっています。

まずはワンタイムパスワードを採用しています。ワンタイムパスワードを表示させる専用の機械は不要で、スマートフォンに数字を表示させるやり方になっているので、トークンをなくす心配がなく、トークンのせいで財布が分厚くなることもありません。

パスワードが1分ごとに切り替わるので、たとえ悪意ある第三者にパスワードが盗まれても、盗んだころにはパスワードが切り替わっているので安全です。

フィッシングは、見た目がネット銀行の画面なのに、実は巧妙に作られた偽サイトであり、そこに口座番号などの重要データを入力してしまうことで、悪意ある第三者に重要データが盗まれて、パスワードが破られてしまうことがあります。

静岡銀行では、フィッシュカットと呼ばれる、フィッシングサイトかどうかを見分けるソフトウェアを口座加入者に提供しており、利用者はその画面を開いただけで、危ないサイトかどうかの判断ができるようになっています。

インターネットに不慣れな高齢者にも、わかりやすい対策と言えます。

最後に、これだけの対策を立てている銀行は少ないのですが、静岡銀行ではインターネットバンキングを使わないことが明らかな時間帯に、ログインをロックさせてしまう機能がついています。これならば、万が一パスワードを不正入手されても、ログイン自体ができないので安全です。

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