The security of all banking activities & internet banking account is of the utmost concern for you and your bank. The security experts & professionals already invested in various security measures to help protect you and your money.
Here we are trying to continue educating you on the security to stay safe online, hereby publishing the best security practices and online safety tips. Please read and take the note from the same below. I hope you may find this page useful and informative.
People used to search;
- what does it mean to stay safe?
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- What are internet safety tips for students?
- Any list of DO’s and DON’Ts to follow while doing online transactions?
There are many ways to stay safe online published on the net, but check the best and most working methods to protect yourself on the internet, particularly online banking.
We understand that safety and security are the most important things to fight against the internet’s dangers, especially in banking operations. The bank makes the investments and wants to make sure all existing and prospective customers are well informed about the security drills and tips.
Your bank is committed to securing your account information’s safety and maintaining the security of all your banking accounts and their access. From time to time, the financial organization and many banking websites can be affected by massive and irrelevant website traffic from malicious sources (DDoS attack), which can block clients from accessing & using their banking accounts online.
The security professionals are aware of such threats & attacks conducted against the users and their bank accounts and want to reassure you that they use advanced technology to protect you from scams. They also continuously monitor the banking websites to ensure it remains available to all the customers.
The fraud detection team working continuously to monitor the clients’ accounts to detect fraud or unauthorized use, which often helps to get early warnings before you get aware of it.
Not just for online safety, but as an ATM cardholder, you should regularly keep yourself updated, assured that you’re trying to learn new ways to help secure and protect you and your account and to prevent attacks by suspicious activity on your card. This page is totally intended for improving security awareness, and with the precautions, it will increase the comfort and confidence to perform safe and secured online banking operations. It is not only tightening your security on the browser but also learning to have a secure banking experience from your mobile device.
How to stay safe online
Please note that this page is construed as encouragement or support to stay safe online with the following objectives:
- Fighting against the hack, penetration, or fraud attempt to gain unauthorized access to your banking account in violation of applicable law.
- Preventing the attempts to disclose, use & gaining any private, classified, or confidential data, including any customer information.
Learn the best practices to remain safe and how you protect yourself to stay safe online:
While making any sensitive or high-risk online banking transactions, including money transfer or any with your own credit, debit card, you must use your card only at authorized, reputed, and confirmed official websites as there are fewer chances of card fraud on a secure website.
The green address bar on the website is a security feature adopted by the latest browsers that allow you to know and validate that the site you are transacting to have undergone an extended security audit.
Always check and ensure that the website’s web address, i.e., official link (URL) where you are making your online transactions.
2. Protect while you connect.
When you access your online accounts for making the transactions, your information is protected by 128-bit SSL encryption. Encryption is a technology that ensures the information is secured and transmitted over the internet. It helps ensure that hackers or other third parties can’t access or use the data while your transactions are being processed.
Make sure the link starts with ‘HTTPS‘ and not by ‘HTTP’.
Having a habit of checking between an unsecured and a secure website connection will help you stay safe while surfing the web.
3. Keep your computer & system secure.
Always perform sensitive or high-risk online banking transactions from a secure computer.
Your operating system must be updated with the latest security updates & patches. The anti-virus, antispyware software must have the latest virus database to fight against any attack.
You must also configure the personal firewall because it is a network security system that controls and checks the network traffic based on the predecided security protocols.
4. Changing ATM.
As per the RBI guidelines, you must replace your ATM cards with chip-based cards, as it is the latest ATM card security standard. And do not keep the PIN given by the bank together with your ATM card.
Also change your card PIN (Personal Identification Number) periodically.
5. Avoid disclosing personal info.
Do not disclose any private information online like your birth date, billing address, etc.,
Sharing your private data on the Internet can be misused to unlock your account password.
6. Avoiding identity theft.
Never share card details, social security numbers, or bank account numbers over the phone or with anyone in person. It is an easy way for cybercriminals to access your confidential card information and make online transactions.
Always keep your shred papers with your personal information, financial records, or even the bank passbooks and ATM cards in a safe place.
7. Stop sending bank information by email.
You should never, ever send your credit or debit card number through email unless you know the recipient is reliable and secured.
Avoid sending & sharing 16 digit card numbers or any account details over the email to prevent intruders’ malicious use.
8. Check statement of accounts.
Checking your account statements & ATM transactions can help you identify any misuse or fraud.
Always review account statements related to the card time-to-time and notify the card issuer bank in case of any error.
9. Ensure card options.
Verify whether your card is enabled or disabled for international use; if necessary, just disable the international transactions on your credit/debit card.
Check for any additional options such as limiting the usage of cards on different payment channels like other bank ATM, eCommerce websites, domestic/international usage periodically.
Never leave your bank passbook, credit cards, ID, or any valuables unattended.
Always treat your card like cash.
11. Always check bank notifications.
Your bank will automatically send an email notification to confirm whenever you change the password.
By using the account monitoring tools, these bank notifications allow an appropriate acknowledgment to all the customers automatically who did not make any changes.
These bank notifications provide you peace of mind, especially for those who did initiate the change themselves.
12. Authenticate yourself.
While making any online banking transactions, such as money transfers, or any with your cards, if your login attempt fails or shows unauthorized, it will ask for additional questions or send you a one-time-use passcode (OTP) to verify your identity before accessing the account. Furthermore, if required, your bank will send you a notification immediately to reset your password to recover access safely.
Also, never share OTP with anyone. Neither the bank nor any customer care asks password or OTP to help get access your account.
13. Emergency assistance.
To get in touch with customer care, keep the helpline phone numbers, text, email ID with you for any help.
If you get a one-time-passcode (OPT) on your mobile at the inappropriate time you are away from making any transactions or banking activity, you must understand there has been unauthorized account access. And you need to report it as early as possible to the concerned team by emergency assistance or helpline numbers.
14. Don’t entertain suspicious SMS.
This is the most common trick hackers use whenever they want to access your account or ask for money. Instead of replying to those suspicious messages, ignore or find another way to contact them.
Not just SMS but don’t entertain such scam email messages, or if you’ve found any security issue, I would suggest you report such messages asap to your bank officials.
All these above tips would enhance the security awareness & education initiatives of customers in creating a cyber-secure culture where they could stay safe, secure, and have a pleasurable online banking experience.
What do you think about the banking you have an account with? Are they providing the best security for you and your account? What steps do you take to ensure the security of your bank accounts? Let us know via the comment section shown below.
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