Net banking can be beneficial for you if you follow the simple safety measures. Due to the risks involved in net banking such phishing e-mails or other fraudulent means, the facility of net banking must be used carefully and attentively. You need to be alert while carrying out the banking transactions.
Net banking provides you an easy and convenient way of performing your banking transactions. You can perform any banking task right from payment of utility bills or transferring of funds. Now, there is no need to stand in unending queues and fill up forms. With just few clicks, you can understand your current account balance. However, you need to follow safety measures to avoid the risks involved in net banking. Let us discuss some of these safety measures.
Password – The basic safety measure
The main objective of password is to provide security to your account. You are the creator of the password. Hence, while framing a password for your online bank account, you must follow certain instructions such as selection of characters, unique passwords and changing of password regularly. As you are possessive about your personal belongings, you need to be possessive about your password! Simple! Even in cases of emergencies, you must never share your account details such as username and password to anyone. You may receive fake phone calls from banks. Do not disclose the account details when asked. Moreover, you must not share your account details with your friends or relatives, though they are very near and dear to you.
No public – Only personal
This applies to using net banking in public network or public places such as cyber cafes. If your personal computer is not working, then you may access your account from cyber cafes or libraries. This is very wrong. Your account information gets stored in the temporary files of the folder or even can get locked in the computer. Any other person can easily access your bank account from the same computer.
Some persons use net banking in wireless or public network and not from their personal computer. Please note that in such places, there are chances of information getting decrypted. Even slower internet connections can hamper your bank account login and related details.
Hence, for net banking, you must have a personal computer and an internet connection. Never access your bank account from cyber cafes or in a public network. You must protect your personal computer with effective anti-virus software and update it regularly.
Regular checking of savings account
After each transaction, you must check your existing account balance. This will give you an idea whether the transaction was carried out properly or not.
Disconnecting internet connection
If you are not using your broadband connection on your personal computer for some time, then do not forget to disconnect it. Hackers and unethical users tend to tamper this network.
Another general instruction provided by banks is to type the URL of the website in the browser. You must not go by shortcuts for accessing the bank’s official website.
Thus, one needs to follow these measures for safe and happy net banking.
