Online banking has made personal finance management easy and
convenient. Online banking security, however, is way from being a fool-proof
system-especially during this day and age of technology. Conducting banking
transactions online comes with certain risks. Not only does one hear of ATM
cards being cloned or people being robbed at ATM terminals, a web account is
another point of vulnerability you ought to be vigilant about. Safe online
banking should be a concerted effort between you and your bank. Here are some
tips to assist keep your online banking accounts secure:
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| Kent Kristensen |
Choose an account that offers multiple-step authentication.
Two-factor verification may seem like a nuisance, but it does provide another
layer of protection as unique codes are generated every time a login attempt is
made. This code is valid just for a brief period of your time and is required ,
along side your basic login credential to supply access to your online account.
Use a strong password. The early online world did require
passwords. In the past, almost any word, phrase, or combination of characters
would do to guard your account from unauthorized access. Today, however, weak
passwords are a recipe for disaster, theft and online fraud. You want to make
passwords that follow online banking security guidelines like an extended
string of upper and lower-case letters, numerals, and special characters, which
will be extremely difficult to decode even by machines and software programs.
Your answers to standard security questions don't have to be real answers-you
can make up responses that only you have knowledge about.
Keep your computers and devices secure and up-to-date. Safe
online banking is additionally a matter of general computer safety. Keep your
firewall up and secure your computers and devices with strong antivirus
software. This will keep you protected from keyloggers, trojans, and other such
forms of malware that can make you vulnerable to financial data breaches and
other security holes.
Don't click through emails. Suspicious looking emails are
one thing, but fraudulent emails that look like the real thing are also
widespread online. Always verify together with your bank whenever receiving
emails that pertain to your financial information. Avoid clicking through links
that you are unsure about and be vigilant about emails attempting to trick you
into willingly handing your personal information and financial credentials
over, such as taking you to pages that look exactly like your bank's website to
steal your information, and ultimately your money.
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