CKB eMon service means an easy, fast and safe way to manage a wide range of financial activities 24 hours a day, 7 days a week.

Web service  enables the client to access accounts and execute transactions by accessing the web application. 

FX service   enables the client to access accounts and execute transactions by specialized Windows application installed on the client computer. The application enables work of several users with different authorization levels. Operation of the application does not require continuously set connection. 

SMS service  enables clients to use interactive SMS commands for access to the account activity information.

WAP service  enables clients to access accounts and execute transactions by using their mobile phones. Client identification is performed by means of user personal identification number, while the transaction authorization requires the use of WIM cards or one-off password generator. The service may be used by mobile phones supporting WML or HTML contents.

eMon voice service  enables clients to access their accounts via voice machine (020 408 802) that may be used from classic phones, public boots and mobile phones. Users are identified by means of personal identification number or one-off password generator. The application provides voice menu on several languages.

eMon e-mail, fax & SMS notification - By using the smart card, clients may open encrypted and digitally signed e-mail messages from Outlook or Outlook Express client application.

Users that have an opened SMS channel in the system may at any time make BALANCE ENQUIRY for their account by sending a message from their mobile phone with the content "Balance" to the phone number 14747 for all mobile networks in Montenegro.