The other most common reason why net banking cannot be accessed is because the account has not been used for a long time period. This leads to the online login becoming inactive. This means that when one tries to log in, the system will not allow this, and the entire thing will have to be reactivated. This will include generating the password again and the authentication of several details, so it can take some time.
This happens frequently because the net banking facility might have been activated when there was some use for it at a certain point in time, but if there is no regular use, then there is a very good chance that it has become inactive. It is necessary to log in at regular intervals, even if there is no transaction to be made, so that this situation does not arise.
The other problem with this kind of situation is that there might not be a record of the login and the password, so first, the login details would have to be found out, and then a new password can be generated for the same. This can take quite some time and effort, especially when no details are available, so it is also important to ensure that the records about this are kept in a safe place so that they can be accessed when required.