No checking Account – AePS Error

No checking Account – AePS Error and its solution

In the digital era of India, where financial transactions are predominantly conducted online, services like Aadhaar Enabled Payment System (AEPS) have become instrumental in facilitating secure and convenient banking transactions for individuals across India. However, encountering errors during transactions can be frustrating and may hinder the seamless banking experience that AEPS aims to provide. One such error that users may come across is the “No Checking Account” error while doing AePS Transaction. This error message indicates that the bank account linked to the Aadhaar number being used for the transaction does not have the required checking account facility. Let’s delve deeper into what this error means and how it can be addressed.

What is mean by “No Checking Account Error”

When a user attempts to perform a transaction using AEPS, the system checks whether the bank account linked to their Aadhaar number has the necessary checking account functionality. A checking account allows users to perform various banking activities such as depositing and withdrawing funds, making payments, and accessing overdraft facilities.

If the bank account associated with the Aadhaar number does not support checking account functionalities, the AEPS transaction cannot be completed, resulting in the “No Checking Account” error.

This error message isn’t exclusive to AEPS; it may also appear during other forms of banking transactions that rely on checking account functionality.

Reason behind the Error “No Checking Account Error”

  1. Savings Account Only: Some bank accounts may be limited to savings account functionalities, lacking the features required for transactions through AEPS.
  2. Incorrect Aadhaar-Bank Account Linkage: In some cases, discrepancies or errors in the Aadhaar-bank account linkage process may result in the inability to perform certain transactions.
  3. Bank Account Restrictions: Certain types of bank accounts, such as salary accounts or specific government scheme accounts, may have restrictions on the types of transactions that can be performed.

Resolving the No Checking Account Error:

  1. Contacting the Bank: If you encounter the “No Checking Account” error while using AEPS, the first step is to contact your bank. Inquire about the type of account linked to your Aadhaar number and whether it supports checking account functionalities.
  2. Updating Account Details: Ensure that your Aadhaar details are correctly linked to a bank account that offers checking account facilities. If there are any discrepancies, request your bank to update the information accordingly.
  3. Exploring Alternatives: If your current bank account does not support checking account functionalities, consider opening a new account or exploring alternative banking options that meet your transactional needs.

Frequently Asked Questions

  1. What does the “No Checking Account” error mean in AEPS transactions?

    This error indicates that the bank account linked to your Aadhaar number lacks the necessary checking account functionalities required for AEPS transactions.

  2. What are the common causes of the “No Checking Account” error?

    The error may occur due to having only a savings account, incorrect Aadhaar-bank account linkage, or restrictions on certain types of bank accounts.

  3. How can I resolve the “No Checking Account” error?

    Start by contacting your bank to confirm the type of account linked to your Aadhaar number. If needed, update your account details or explore alternative banking options that offer checking account facilities.

  4. What should I do if my current bank account doesn’t support checking account functionalities?

    Consider opening a new account that supports checking features or exploring alternative banking options that better suit your transactional needs.

  5. Is it essential to maintain a checking account for AEPS transactions?

    Yes, having a checking account is crucial for conducting AEPS transactions smoothly. Ensure that your bank account supports checking functionalities to avoid encountering the “No Checking Account” error.


Encountering errors like “No Checking Account” while using AEPS can be inconvenient, but understanding the underlying causes and taking proactive steps can help resolve these issues efficiently. By ensuring that your bank account supports checking account functionalities and addressing any discrepancies in Aadhaar-bank linkage, you can enjoy seamless and hassle-free transactions through AEPS.

Remember, if you encounter any issues or errors during AEPS transactions, don’t hesitate to reach out to your bank for assistance and clarification. Your bank’s support team can provide valuable guidance and help resolve any concerns you may have regarding your banking transactions.

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