The Co-operative Banks should strictly ensure that they provide only non-transactional services through their Internet Banking/ Net Banking facility. This includes services like balance enquiry, balance viewing, account statement download, request for supply of cheque books etc. Also, as per the RBI guidelines, Co-operative Banks are restricted from any online fund-based transactions.
In case of any 'view only' service provided, will require two-factor authentication or one-time password (OTP). All the services provided by the Co-operative Banks should strictly follow the RBI guidelines.