NH콕뱅크(농협)

[Brand Information]

■ CoK stands for [(Agricultural) Cooperatives of Korea] and stands for [Agricultural Cooperatives of Korea].

■ This is Nonghyup Mutual Finance’s mobile bank service that allows anyone to easily and conveniently use various financial and lifestyle services needed in daily life.

[Main Services]

■ Easy membership registration: You can register as a member simply by verifying your mobile phone and Nonghyup account without any complicated authentication procedures.

■ Supports 4 banking modes.

1) Normal mode: This is the basic financial mode that allows you to conveniently access/use all services.

2) Union member mode: This is a customized mode specialized for union members.

3) Large text mode: This is a service that provides remittance and inquiry information in large text for seniors and low vision customers.

4) My Mom CoK Mode: This is a banking mode that allows you to design your own banking screen.

■ Remittance: You can simply log in (6-digit number) and easily send money without entering your account password.

1) Simple login (6-digit number) customers: Up to 5 million won per day can be transferred

2) Customers issuing CoK PASS (mobile OTP): Can remit up to 10 million won at a time and 50 million won per day

3) Customers who register and set OTP (physical): Can remit up to 100 million won at a time and 500 million won per day

※ Both CoK PASS and OTP (actual) can be used

■ Quick remittance: This is a service that sets the withdrawal account, deposit account, and deposit amount in advance and sends the money quickly.

■ Inquiry: You can easily register your Nonghyup account and other financial accounts and make inquiries.

■ Open Banking: Inquiries and transfers are possible after registering customer accounts at all financial institutions.

■ Mobile Cash Card: You can pay at Hanaro Mart nationwide using your mobile phone without cash or card. (Daily limit: 500,000 won)

■ Zero Pay: This is a simple payment service for small business owners and is an account-based direct debit payment service where payment is made through QR code recognition and QR/barcode presentation. (Daily limit of 2 million won)

■ Zero Pay Mobile Gift Certificate: This is an affiliate service that allows you to purchase mobile local love gift certificates and Onnuri gift certificates and pay at Zero Pay affiliated stores.

■ Financial products: You can sign up for products non-face-to-face, such as bank accounts, deposits/savings, loans, and cards, without visiting a branch.

■ My Data: This is a service that provides integrated credit management and asset management.

■ View all Nonghyup accounts: You can check your assets registered with Nonghyup (deposits/savings, funds, cards, loans, foreign exchange, etc.) at a glance without registration.

■ MY Bank: Provides a personalized service that allows you to view customer information and membership accumulation history.

■ Currency Exchange: You can apply for currency exchange through the app and receive it at a nearby branch.

■ Overseas remittance: Additional remittances can be made to the same recipient based on details of overseas remittances made at agricultural and livestock cooperative branches.

■ Foreign currency pocket: You can exchange and store foreign currency, receive foreign currency in cash whenever you want, or immediately repurchase it in Korean won.

■ Gift foreign currency: You can gift foreign currency as long as you know your name and mobile phone number. Customers who receive the gift can receive it at any agricultural or livestock cooperative branch nationwide.

■ Utility bills: You can easily pay Giro, local taxes, traffic fines, electricity bills, water and sewage fees, apartment management fees, integrated social insurance premiums, and even national pension.

■ ATM withdrawal: You can withdraw up to 300,000 won from an automated Nonghyup machine without a bankbook or card.

■ Over-the-counter withdrawal: You can visit a branch and withdraw money without a bankbook or card.

■ CoK Farm: A digital assistant for farmers and union members/associate members, it provides a variety of specialized services such as agricultural and livestock cooperative news, non-face-to-face registration for associate members, duty-free oil status inquiry, and agricultural product shipment details.

■ CoK Shopping: This is a pan-Nonghyup digital shopping channel where you can easily purchase fresh agricultural and livestock products, home appliances, and household goods from Nonghyup.

■ CoK World: A digital lifestyle/affiliate channel where you can use a variety of services convenient for everyday life.

- Main services: CoK communication cost saving, stock recommendation, fortune telling, apartment NHCoK, One Keeper, smart phishing protection

■ Nonghyup Courier: This is a Nonghyup door-to-door delivery service that goes to every corner of the country.

■ Person-to-person card transactions (Pay App Lite): This is a service that allows non-business people to receive card payments without a card terminal.

[Access rights information]

■ Required access rights

- Storage space: App settings file and certificate management

- Telephone: Permissions for user authentication, branch phone calls, etc.

- Access to usage information: Check app monitor, language settings and other usage data (Android 10 or higher)

- List of installed apps: Check smartphone APP installation information to prevent electronic financial transaction accidents such as voice phishing (use is restricted when apps requiring caution are detected)

* Required access rights are required to use the service, and if not permitted, use of the service will be restricted.

■ Optional access rights

- Address book: Use contact information when using mobile phone transfers, etc.

- Camera: Used for image shooting, ID shooting, QR code recognition, etc.

- Microphone: Voice transfer, voice search service use

※ You can use the service even if you do not agree to the optional access rights, but there may be restrictions on the use of some functions.

※ If you are using a smartphone with Android OS version 6.0 or lower, all required access rights can be applied without optional access rights. In this case, if you upgrade the operating system to OS 6.0 or higher and reinstall the app, you can set access rights normally.

[Information Use]

- Eligible for use: Customers aged 14 or older who have a mobile phone and Nonghyup account in their name (however, if the mobile phone is not in their name, membership can be registered through separate authentication only for Nonghyup Bank e-finance subscribers)

- Usage hours: 24 hours (excluding some services)

- Inquiries: Counseling Center: 1600-2800 (Business days: 9:00~18:00 on weekdays)

- Minimum supported OS: Android 5.0 or higher