For safer online transactions the first thing we have to learn is that to be suspicious of anything that comes to your inbox. Sometimes, we check the Spam mails and suddenly there could have been any mail containing which demands sharing of information about your bank accounts, and even passwords and other financial transactions indications. There could have been any mail or text message in the form of some of the financial organization and before responding to them. It is always advisable to contact your bank and clear it. It is important to remember that no financial institutions or credit card companies every contact you in the form of email or text message.
While browsing any website, do remember to look at the padlock signs inside of a browser, and address bar and then click on that padlock and then see information about it. If there is fraudulent site then these would not be using, a secure padlock that is using https with their web browser. If not then it should be pointed out that there should be fraudulent sites. If you type in the financial institution website with www in the prefix, then it would surely open with https in the pad lock. If any doubt persists it is better to contact, your financial institution.
If you receive any emails containing that your financial institution has asked for your passwords then do not believe into it. Contact your financial institutions directly, and authenticate it and do not ever, put forward your financial secret information into it. If you receive such mails in the name of yours said financial institutions simply delete it and do not click on any of the embedded link into it as it may contain some viruses as that could install snoop ware on your computer and could steal user names and passwords from it.
Never disclose any personal information to anyone as though text sms. Never provide a user name, passwords, account number and other classified personal information to anyone through internet banking or any sort of financial transactions. Sometimes, you would receive text messages that would ask emergency information about your bank account, passwords and other details then do not believe it, and ask for, to financial institutions, to understand what should be the truth in it. It might be part of a scam or anything then reports such fraudulent website to banks so that they should take actions on it immediately.
Always trying to see from which sender’s email address you would be getting mail and understand it and know it in clear manner, to understand that if it displays something different then it is important to understand what should be the official email addresses of financial institutions. Regularly, update antivirus, anti spyware protection, update email-filters and other security features. Use latest windows computer and update it regularly, so that the latest modules of complete virus protection should be there and that should protect you with computers. If any fraudulent website you find then it is best to contact through official channels to banks so that there would be no misinformation out there.
At times, you could receive unsolicited incoming communications which ask for financial information from you so that they could send some money to your account and it is important do not believe in such information. Do not reply to such fraudulent calls. It is important to update web browser regularly so that every security holes should be patched and most of fraudulent attempts by website fraudulent websites should be done away with. Do not use the same internet banking or online banking user name and passwords of equal capacity of other website and try to use completely different username and passwords. It is important to regularly check for credit card. Debit card and bank, account statements so that if at all and point of time any discrepancies showed in the series of bank statements then contacts your bank so that these could be detected in time.
In such case, it is important to contact your bank officials, our credit card company officials, local police and report such incidents to contact emails of concerned financial organization. It is important to have some of the most important offsite security such as sore a unique user name and passwords to secure your account and change it periodically so that you should be stopping any such attempts at phishing with your credentials. Generally, by putting username or password three wrong times, you access to your account is suspended in the fear of brute force attacks and for this it is important to put the user name and password in the correct manner. After login you could find the date and time of last login and do check it with yours so that it should have been same as that of yours earlier login and if you find any such discrepancy with it do remember to contact appropriate sources for proper check and balance.
Most of good financial institution on their web interface do provide SSL encryption which means the information sends and receives are encrypted and decryption of a single point. They provide a third party based on one time authentication of passwords and OTP application or sms of authentication so that with the Advent Third party hardware based authentication system the process of financial transaction remains secure. Most principal financial institution websites do use on extended SSL validation service which turns green and this means that, the website is genuine. Most of top financial institutions provide client side authentication service such as registering with mobile and receiving the sms of authentication or using OTP application and using it in the form of offline and online authentication service makes it full proof for users as the same mobile should have been with the user and then that makes entire banking transactions safer.
Most of financial institutions have their dedicated security cells to provide checks and balances to every security of internet banking. They are ahead of any such emerging issues and prompt to come with another solution to provide some of the most stubborn security environments. Regular stubborn security drilling is also being carried out in terms of network and server security to find out more about the possibility of security concerns. On the client side it is important to keep the password in a safe place and it is important not to use the common words within passwords. It is important in order to change passwords within three months regularly. Keep backups of passwords at a safer place. Do not permit your computer to remember passwords to its web browser at any point of time.
Do not use your user name and passwords for sites that do not have a padlock in its web browser. Always remember to log out of your computer. Do not take such sites in public terminals, free wireless hot spots. Use high security options by enabling profile passwords so that no one would be able to change the security credential of your account even if account is hacked. Never download email attachments at any points to time. It could have stored the information related to trozans and that could be installed within the computer and steal important personal classified information without your prior knowledge.
It is important to educate yourself from time to time so that you could learn what hackers could be doing and thus it is important to learn and do those securities features all by yourselves so that ultimately you could find rich benefits of such situations. It is also your duty to secure your account and understand what your financial institution has been doing and help them make it more efficient and productive.