Whether you’re checking your bank accounts, transferring funds, or making a payment, online banking is a convenient way to manage your basic transactions. Bankss are offering online banking options as a convenience to customers, and now it’s easier than ever to keep track of your finances. However, online banking is not without its risks, so you’ll need to be cautious when storing usernames and passwords on your computer, and make sure you’re really logging in to your banks’s encrypted site.
Hackers are constantly inventing new ways to get their hands on your money, but you can help keep the cash in your bank account safe and reduce your chances of becoming a victim of fraud by following these simple steps:
1) First of all, make sure your computer or laptop is protected with a good security software programme and anti-virus software. Keep them all, along with your browser, up-to-date.
2) Different banks have different security measures for online banking but if you have to set up a password, make sure it is a mixture of letters and numbers and is different from an email password. If you access your email from an insecure computer, scammers could steal your password details and use them to access your account. Also, don't write your passwords down in full or share them with anyone.
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3) Never disclose personal details, such as your password, on email or over the phone unless, of course, it is one you have agreed with your bank for telephone banking.Never reveal your personal detail to unknown.
4) However, if you received a call, or email, from your bank which you weren't expecting treat it with suspicion, regardless of the apparent name of the organisation contacting you. Never follow a link from an email purporting to be from your bank or open an email from an unknown source as it may contain a virus.
5) Before entering your account details into a website, make sure there is a padlock symbol in your browser and that the web address changes from starting with 'http' to 'https' - this means the connection is secure.
6) If you have a wireless network at home, make sure you have activated the security settings on your wireless router to make it secure and prevent others accessing it.
7) Avoid accessing your bank account from a public computer or unsecured wireless network. If you do use a public computer, never leave it unattended when logged in and always log out properly when you've finished your banking session.
8) If you experience any problems logging on, telephone your bank, don't send an email.
9) Avoid posting personal information like your email address, date of birth and phone number on social network websites like Facebook and Twitter. Only accept friend requests from people you know. Someone posing as an interesting person asking to become friends may actually be an ID thief. Check your privacy settings carefully and make sure only people you trust can view your profile.
10) Regularly check your bank account and credit card statements for suspicious transactions. If you spot something unfamiliar, report it to your bank or card provider as soon as you can.
What to do if your bank account is a victim of fraud
If you think you've been a victim of online banking or ID fraud, notify your bank as soon as possible.You can immediately call to toll free number provided by your bank or you can visit your bank for immediate action.
Banks Toll Free Phone Numbers :
| ABN AMRO | 1800 11 2224 |
| Canara Bank | 1800 44 6000 |
| Citibank | 1800 44 2265 |
| Corporatin Bank | 1800 443 555 |
| Development Credit Bank | 1800 22 5769 |
| HDFC Bank | 1800 227 227 |
| ICICI Bank | 1800 333 499 |
| ICICI Bank NRI | 1800 22 4848 |
| IDBI Bank | 1800 11 6999 |
| Indian Bank | 1800 425 1400 |
| ING Vysya | 1800 44 9900 |
| Kotak Mahindra Bank | 1800 22 6022 |
| Lord Krishna Bank | 1800 11 2300 |
| Punjab National Bank | 1800 122 222 |
| State Bank of India | 1800 44 1955 |
| Syndicate Bank | 1800 44 6655 |
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