The Online Bank System is a comprehensive web-based application designed using the MERN stack (MongoDB, Express.js, React.js, Node.js) to simulate core functionalities of modern banking operations. The system is structured around three main user roles: Admin, Bank, and User, each granted specific privileges and responsibilities to ensure seamless digital banking experiences. The Admin oversees the platform by managing and authorizing registered banks and monitoring customer records. Banks can register, authenticate, and manage account requests submitted by users, review and process ATM card applications, generate virtual ATM cards, and monitor all transaction activities. Users, upon successful registration and login, can explore registered banks, request the creation of bank accounts and ATM cards, set ATM PINs after approval, add funds to their accounts, initiate money transfers, and track their ATM card details and transaction history. The backend leverages MongoDB for efficient data handling, Express.js and Node.js for secure and scalable API management, while React.js provides an intuitive and responsive user interface. With robust session handling, role-based access control, and real-time transaction management, the Online Bank System serves as a powerful prototype for digital banking platforms and academic demonstrations of full-stack application development.

Keywords: Online Banking, MERN Stack, Virtual ATM, Transaction Management, Role-Based Access