When you do online banking it is safer to use your own computer. Never use a computer from your local internet café as the security connections in public places can be very limited. Besides, you never know who is watching you. You can forget to delete your browser history and this can be very risky.
Do not use a public computer
If you do not have a personal computer you can use the one from your office but its even safer if the computer is not shared. You could even do it from your cell phone and rather do cell phone banking. Many banks are now offering cell phone banking these days. It is also safer, for as long as you make sure that you do it in a safe place.
Check your website address
Hackers will use websites that have similar address like your bank. All they want you to do is to enter your private information and they will use it otherwise. This is also the same case when you receive suspicious emails that have got links to your bank. Again these are scammers who are out to get your banking information.
Fraudulent emails
Banks never send out emails to their customers, so you must be clever enough not to open any emails claiming to be coming from the bank. It’s the scammers and hackers who are always trying to come up with means and ways of getting your personal banking information. Do not open such emails and doo not waste your time replying them.
Avoid opening links from emails
The emails that you usually receive will have links and never open such links. The links require you to fill in your personal information including your password. There are also other websites where you are required to sign up online; the application form requires you to provide your banking details. Your banking details are personal information and must not be shared anyhow.
Using an internet or an online bank
You need to be very careful when you sign up with such banks. do a bit of research first before you sign up, there are a lot of such fraudulent banks these days. Read the website thoroughly, for example you can also go to the ‘About Us’ section. This is where you read about the history of the company and also their contact details.
Is the bank registered and licensed
Find out whether they are registered with the Financial Services Regulatory bodies and get their license number as well. If something happens to your money at least you will be able to take your case somewhere.
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Passwords
Your online banking password is your most important tool when you do online banking. The password must have mixed characters of letters and numerical numbers. You do want it to be easily identified by anyone. Do not use the obvious passwords, because your friend or a workmate can easily identify it.
Do not share a password
The rule is; passwords are never shared no matter what. In order to keep the password even more secure, you need to change it every often. Your password should not be saved in a computer file or a phone. These are some of the places that are mostly targeted by scammers and spammers.
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