Online Banking - With the more advanced technology and fast communications, make people become increasingly busy and has a little time to do many things.
Hence, there is a need for customers to conduct quick banking transactions that easily accessible anywhere. For most banks, the online banking feature is a mandatory feature that must be owned.
From the bank side, they should prepare a good security system before release the features of online banking services to it's customers.
As customers, you also must always be vigilant and cautious anytime you are accessing and performing online banking transactions.
Secure Ways To Perform Online Banking
1. Do Not Use Public Computer
Never access or log into your bank account with a public PC or PC owned by others. Internet cafe, library and computers in school or college categorized as public PCs that used by many people. I recommend you to use your own computer and never use your friend's computer to perform online banking transaction.
Why? Because you will never know whether the computers are safe from virus, spyware, keyloggers, rootkits, and other malware that can steal all your data anytime, including user id and password.
2. Checking Accounts Routinely
Check your bank account online transaction history regularly. This is to ensure that no fraud activity or suspicious transactions in your account transaction history performed by someone other than you.
If there is, then you must immediately report the transaction to the bank for reversal and investigation.
3. Create Strong Password
Always use passwords or PINs that are difficult to guess. Strong passwords are passwords which consisting of a combination of uppercase, lowercase and numbers. Also, never use your birth date or spouse as a password.
4. Never Give Your Sensitive Data To Others
Never tell the user id and password to anyone, including to the bank, the police or your family. The bank will probably ask you some personal information such as date of birth, telephone number and mother's maiden name to verify your account.
But the bank will never ask for your password or PIN. If anyone ask for your password, then there is most likely that the person is a fraudster who tried to hijack your account by pretending to be claimed from the bank or the police.
5. Use and Update Your Antivirus and Antispyware
Computer that used to access your bank account online must also safe from viruses and other malware by using reputable anti virus and anti spyware. Because this application will protect you while you are surfing the internet.
Remember to update your ant ivirus and anti spyware every day.
6. Collect Evidence of Online Transactions
This may not be a matter to you, but you should gather evidence of your online banking transactions in a folder. Evidence of this transaction will be used to verify if there is a suspicious transaction on your account or if your account was hijacked by hackers and bank require some evidences that you are the real owner of the account.
7. Be Careful With Money Laundering
Avoid using your personal account for business transactions that involve other people's money in large amount. Because this activity can be considered as money laundering and you can be given sanction by law if proven engaged.
Conclusion
Banks should be fully responsible to provide the online banking facilities that comfortable and safe for customers. But as a customer, you also should always be careful and follow the 7 tips above to avoid fraud, account hijacking, and any unauthorized transactions when you conduct online banking transactions.
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