Tips for safe on line banking........

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bjbear
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Tips for safe on line banking........

Post by bjbear » July 14th, 2013, 7:45 am

These are great tips for protecting your bank accounts if you bank on-line. Copied from the Cal-Am Blog at: http://www.calamresortsblog.com/rv-trav ... e-banking/

7 Tips To Keep Your Bank Account Safe From Online Threats

1. Make sure that your bank’s website is secure.
When you go to your bank’s website and access your account via the log-in page, take a look at the address bar at the top. The page address should not begin with http://. Instead, it should show https://. Web addresses that begin with https:// use highly secured encryption that’s difficult to hack. There should also be a lock symbol in the address bar.

2. Don’t use public PCs.
If you do not have a home computer, never go to cyber cafes for online banking. Café computers are interconnected and therefore pose great threat to your financial account.

3. Protect your computer.
Using your home computer does not guarantee secure online banking. Your PC may still get infected by virus, malware or spyware that can also risk your account. Therefore, you should regularly clean and protect your internet devices by installing up-to-date anti-virus and anti-spyware programs. If you’re not tech savvy, contact your trusted computer technician to take care of these for you.

4. Set a strong password for your bank account.
Your code should be a word or phrase that only you can decipher. It Password Strength should also contain both capital and small letters as well as numbers. Refrain from choosing codes such as your own or your loved one’s name, birthday, telephone number or your bank account number.

5. Do not save your password in your computer.
Browsers can be configured to remember usernames and passwords. For safety reasons, you should not use that option while doing online banking. Also remember to clear your browsing history, auto-fill information and cache once in a while to prevent other people — in case you let them use your PC — from acquiring your personal data.

6. Do not entertain phishing e-mails, links and websites.
what-is-phishing? Phishing e-mails, links and websites are designed to mislead users in order to steal money or personal information [a.k.a. identity theft] from them. Links and websites are usually sent to unknowing victims via e-mail. Once the recipient clicks on those links, malicious software may be installed in the computer. Such program can acquire personal data such as bank account numbers and who knows what else. Another form of phishing involves receiving an e-mail from a sender disguised as a legitimate company. The sender will ask the recipient to log-in to a connecting page or provide personal information for reasons that seem valid enough. In case you receive anything suspicious, do not reply nor click on the links. Better yet, do not open the message and just delete it not only from your inbox but also from your trash folder.

7. Contact your bank ASAP.
If you feel like your account has been compromised in any way, contact your bank or financial institution immediately. Some banking websites lock online accounts in case someone has attempted to log in multiple times using an incorrect password. Bank account holders get notified when this happens. When you experience this, talk to your bank representative directly and let them investigate the problem for you.