April

Last Updated on: Aug 06, 2010 12:17 PM

April 30^th :

Do not use same password that was used earlier

Do not use the same password for any type of accounts access (e.g., personal ISP account, financial, etc.).
Where possible, don't use the same password for various access needs. For example, select one password for one type of systems and a separate password for IT systems.
Also, select a separate password to be used for an NT account and a UNIX account.
Don't share a password with family members

April 29^th :

Don’t use unprotected PC’s at cybercafé for Internet Banking

Always assume that a computer that you do not control like in cyber cafes is unsafe for you to use for sensitive activities such as online banking.
Be careful about using internet banking from PCs other than your own, such as those at some internet cafes, which may not have up-to-date virus protection installed.
If you want additional protection when using unfamiliar computers, set up an additional login with restricted access. You can set up and change Additional Logins under the 'Security' tab.
Public access can be injurious so don’t leave the PC unattended after keying in information while transacting on the website.
Avoid accessing your bank online at cyber cafes or on a share or public computer. Also, avoid locations that offer online connections through wireless networks (Wi-Fi), where privacy and security are minimal.

April 28^th :

Never take stranger assistance for internet banking

Don't share access to your computer with strangers.
Reject any offers of assistance from strangers when you are performing transactions.
Do not accept help from 'well-meaning' strangers and never allow yourself to be distracted.
Don’t accept assistance from stranger because the stranger might note all your transaction details and they may use further.
Practice online “stranger danger” — if you have not met the person then be careful about trusting them.
We advice you review the websites for complete details of internet banking and then proceed the transactions from the ‘Help’ menu you can get complete details of internet banking.
If you encounter any problem while transaction contact staff or any other officers of that bank if you still have problems send email or call them for more details.

April 27^th :

For safer internet banking, use virtual keyboards

A virtual keyboard prevents your username or password from being stolen, especially while using public computers such as those available in Internet browsing centers.
It allows access by using the mouse only, without using the keyboard. The Virtual Keyboard is designed to protect your password from malicious “Spyware” and “Trojan Programs”.
The virtual keyboard allows users to enter their password through the virtual keyboard on the login screen, which enhances safety, since user can avoid leaving a keyboard log.
Virtual Keyboard is an additional precautionary measure designed to protect you against malicious key logger programs which might have infected your computer.
A key logger program can capture the keystrokes you enter in the physical keyboard to login. Such type of programs may be accessing your PC without your knowledge or permission.

April 26^th :

Ensure that you received the card back after completing the transaction

Please keep your card in a safe place. Treat it as carefully as you would treat your cash.
Please ensure the card is swiped in your presence. Please remember to take your Debit/Credit Card back after completing your ATM transaction.
If your card is held back by the ATM, please inform the concerned Call Center/Branch personnel immediately.
Keep PIN number safe. Sign your card as soon as you receive it. Never provide your personal information in response to any promotional offers.
Don't reveal your card number or password (PIN) to anyone and make ATM transactions in complete privacy. Change the PIN frequently.

April 25^th :

Cards are like your cash and do not leave them unattended

Treat your cards as if they were cash. Do not leave them unattended for example, in cars or work or in public places.
Regularly check that your cards are with you. Carry cards with you whenever required.
After using a card to make purchases or perform ATM transactions remember to get back your card.
If you are no longer using a card or it has expired, destroy it. Report about lost or stolen cards immediately.

April 24^th :

Cover the screen and the keyboard while making transactions at ATM counters to avoid shoulder surfing.

Shoulder Surfing is a direct observation technique, such as looking over someone's shoulder, to get passwords, PINs, other sensitive personal information and even listen in on your conversation if you give your credit-card number over the phone.
When a user enters information using a keyboard or screen at the ATM center , a malicious observer may be able to acquire the user's password credentials.
For this reason, cover the typing hand with your body or other hand when entering a card number/PIN at ATM or in a public place.
The same strategy can be applied when filling out a withdrawal or deposit form at the bank. You should always remember to take and properly dispose of your receipts as well.

April 23^rd :

Never send credit card number or other personal details through email

Phishing refers to emails that trick people into giving out their personal and banking information.
The scammers are generally trying to get information like your bank account numbers, passwords and credit card numbers. This information is then used to steal your money.
Never send money, or give credit card or online account details to anyone you do not know and trust.
Do not give out your personal, credit card or online account details over the phone unless you made the call and the phone number came from a trusted source. Do not open suspicious or unsolicited emails (spam): delete them.

April 22^nd :

Do not provide PIN or other account information through telephone unless you initiated the call

Do not provide PIN or other account information through telephone unless you initiated the call
The PIN should not be disclosed to any third party, including the staff of the Bank or to merchant establishments, under any circumstances or by any means whether voluntary or otherwise
Do not reveal PIN number on telephone because Neither your bank nor any agency is authorized to ask you to disclose your PIN
Do not disclose your personal or account information over the phone unless you initiated the call and know with whom you are speaking
Make the telephone transaction when you have initiated the call and you are familiar with the company

April 21^st :

Inform immediately about credit card loss to the concerned authority

If your credit card is lost or stolen, immediately notify the issuer and inform to concerned authority.
Most credit card fraud cases occur a few days following the actual loss or theft of the card. Sign your cards as soon as you get them.
Never leave your credit cards unattended at work. Many credit cards are stolen at the workplace.
Protect your personal identification number (PIN) or secret code. Memorize it; do not keep it on a piece of paper. Always keep your cards with you or in a safe place.
Do not forget to destroy your credit cards if you are not using it, in order to prevent anyone else from using them.
Always verify your monthly statements to make sure that all the transactions were made by you. Never reveal your card number by phone unless you are dealing with a reliable company.

April 20^th :

Do not use PIN numbers that match your personal information like date of birth, vehicle number, door number etc.

While changing the PIN number from default to your own number, do not use your personal information like your date of birth, vehicle numbers, door number etc. in the PIN number.
In some cases if you loose your card, the person who gets it can find your PIN number by using different methods like brute force.
Be careful while accessing the transactions, the person behind you can do shoulder surf your PIN number. Do not leave your card aside; some people may do social engineering or steal your card.
Never reveal your PIN number through phone. Only when you trust the other person you can reveal your PIN number. Do not write the PIN numbers on paper.

April 19^th :

Never write PIN numbers on any paper instead memorizing the PIN is better

Memorise your PIN - never write it down anywhere.
Never disclose you’re PIN to any other person, including any additional cardholders, family members, bank staff or Police. Bank staff or Police will never ask for this information.
Do not choose a PIN that is easily associated with you eg. your birth date, phone number or parts of your card number
Don't let anyone else see your PIN when you enter it at an ATM or EFTPOS terminal. This is called "shoulder surfing" and is the most common form of PIN disclosure.
Don't give your card number or PIN number over the telephone to 'cold' callers. Only make the telephone transaction when you have initiated the call and you are familiar with the company

April 18^th :

Destroy the magnetic strip on the bank card once it expires

Do not leave your card near a television or any other electrical or electronic gadget which has a continuous magnetic field
Avoid damaging or scratching the magnetic stripe. This stripe is sensitively encoded and requires special care.
Do not place two cards with magnetic stripe face to face.
Always destroy cards when they expire by cutting it diagonally in half through the magnetic strip
Once the card has expired or cancelled must not be used and must destroy the expired card

April 17^th :

Do not respond to the convincing mails which will ask for your personal or account information

Do not respond to the mails which come from unknown persons. The fake emails will provide a link, which will force / tempt you to click on the link, and ask you to sign into the account, and update your personal details. This is called "phishing", which is an attempt to get you to respond with personal information. Do not give your personal information like credit card details, usernames, passwords, and addresses to unknown websites. For ex: A fake email sent to one person informing him that his account has been suspended. So, if you are having any doubt about the links, do not click on the link which is attached to e-mail. Go directly to that particular website and login. Any legitimate bank or any website would NEVER ask you to click a link in an email and login at the resulting login page.

April 16^th :

Destroy the statement carefully after checking the statement information at the ATM so that the other person cannot decrypt your account information

After completion of ATM transactions, please destroy the statement carefully because the statements may contain details about your account. important information like account number details. Do not throw away the transaction slips right at the ATM site. Store them for future understanding of account. The best practice is to memorize your number and destroy the paper on which it is written. DON'T TELL your number to ANYONE who is NOT ALLOWED to use your ATM/Visa Check Card. Maintain distance while accessing ATM: Make sure that the person standing behind you cannot read your transactions while operating the ATM. Some thieves resort to this 'shoulder surfing' to retrieve sensitive ATM card information. After completing your transactions wait for the ATM to push out your card. Never leave the ATM location without your card.

April 15^th :

Never click 'X' (cross mark) for closing the browser while you are in online transactions

Never click on the 'X' (cross mark) or hit Alt+F4 (shortcut command used to close the applications in most of the operating systems) for closing the browser while you are in online transactions. If you want to close the online transaction, ensure that you log out properly and completely from the online transaction. Because without properly logging off and closing the browser by clicking the 'X' mark or by hitting Alt+F4, there is a chance that some one may use the current connection of your online transaction session.So always log out properly before closing the browser while you are in online transactions.

April 14^th :

Always properly log out after completion of online transactions

After the completion of the online transactions, always log out completely from Online Websites and close the browser. If you close the browser without logging off properly, then there is a chance that someone will be able to continue to use your current connection. So always log out completely after you are done with your online transactions. Also do not access Online transactions from public access computers, for ex, Internet cafes,etc., Some Online banking systems has been set to automatically log out after a period of time (say 5-10 minutes) if your online session remains unattended.

April 13^th :

Sign immediately in the signature panel of the bank card after receiving it and keep your pin separately.

Sign your card immediately on the signature panel of the bank card with a non erasable ball point pen to avoid any misuse
Change the PIN number after receiving it and keep it in a safe place
Do not carry your PIN number in a wallet its better to memorize your PIN
Do not reveal your pin number to anybody even to a close one
Do not write your PIN number on card and it should only be known to card holder.

April 12^th :

Always use separate credit card for online transactions to know the status of online activity

For online shopping or for any of the online transactions use separate credit card this makes you easy to track the online transactions
Print a copy of your transaction and confirmation details and keep a record of your transactions
Make sure that payments that have been recorded in your statement have been made by you. Notify the bank immediately if you find any fake statements.
Make sure the transactions are made on secure sites which will encrypt the personal data during transit and prevents from fraudulent
Be cautious and vigilant to avoid phishing and to have safe transactions

April 11^th :

Check your bank statements regularly

When evaluating transactions on a bank statement is a completely different exercise from accounting for the respective items. Businesses lose thousands, due to failure to review the transactions on their bank statements, regularly.
Check with your bank to see if there was a delay of some sort. If they did in fact send it on time, double-check for other things that might be missing such as credit card statements
Put your ATM withdrawal slips in order by date and compare to your ledger book by putting an "X" in the ledger for every figure that matches an ATM withdrawal.
Check with the post office to make sure no one has requested an unauthorized change of address for your mail delivery.

April 10^th :

Always check for padlock in the browser for secured transactions

Always check that the locked padlock icon is displayed in the bottom right-hand corner of your browser window.
The URL in the address bar must start with https:// and a valid digital certificate is issued to the site.
Care should always be taken when using a computer for financial transactions in public places such as Internet cafes, educational institutions, libraries, airports, hotels, etc. Do not respond if you are prompted to save logon details.
Never leave your computer unattended when connected to our secure Internet banking site. Make sure you logout of the site specifically when you finish your Internet banking session.

April 09^th :

Always look for https:// for online transactions

Always look for https:// in the URL of websites for the online transactions instead of http://. Because the data via http:// is sent in plain text so that the hackers can read it by capturing the data of the http:// websites. So use https:// which is the encrypted form of the http://. Encryption means making the simple text into unreadable text. Using https:// URL websites for online transactions makes sure that the data is encrypted and thus its safe.

April 08^th :

Never keep your credit card and pin at one place.

Always sign on the back of the credit card as soon as you receive it. Never write down the PIN (Personal Identification Number), the best way is to memorize it. Even if you write the PIN, keep the credit card and PIN in a safe place separate from each other. Never disclose PIN to any one. Always make sure that you get card back after using it. Verify the amounts of purchases you made with the billing statements. Keep a list of your credit cards, credit card numbers and toll-free numbers in a safe place in case your cards are lost or stolen. Report a lost or stolen card immediately.

April 07^th :

Always check for secured transactions while you do online transaction.

Always check for secured online transactions. Always signup for SMS and e-mails alerts for every transaction to ensure that no transaction are happening behind your back. During online transaction check whether sites starts with HTTPS or not which ensures the encryption for all the data. Before taking any action into any kind of online transaction decide upon the authenticity of the transaction. If your performing transactions in cyber café make sure that you use virtual keyboard in order to hide your personal information from key loggers (which is used for capturing and recording the user keystrokes).

April 06^th :

Read all disclosures when you shop online.

Read all disclosures and privacy policy to know what type of information they keep and make sure that the site doesn’t share any of your personal information to other sites. Before you do online shopping check whether the site is secured .you can check by the URL, which starts with https instead of http. Always confirm with whom you are doing online transaction and check whether the site is legitimate which can be done by checking the SSL certificate. Don’t be tricked if someone deals with some gifts, it’s probably an attempt to grab your personal information and beware of such transactions.

April 05^th :

Never do online business financial through e-mail communication

Never do on-line business transactions through e-mails because some of the mails lead to phishing attack. Phishing is a method whereby you are tempted into providing personal information which may then be sold to other lenders or used for the purpose of identity theft. If you get an email message that asks for personal or financial information, do not reply. And do not click on the link in the message. Legitimate organizations do not ask for this information via email. Email is not a secure method for doing online business transactions. If you commence a transaction and want to provide your personal or financial information through an organization's website, look for indicators that the site is secure, for example Check a lock icon on the browser's status bar or a URL for a website that begins “https:” (the “s” stands for “secure”).

April 04^th :

Verify the security of Web Site for online payment system

An online sale site should not ask for your driver's license number or the PIN for your credit card. If any site or e-mail asks for this kind of information, do not respond.
Don’t click on the links or e-mail attachments. Copy the link and open it by using the URL of Web Browser. The URL ensures that you are dealing with the right company. It's also a good idea to print out a copy of your order and confirmation number for your records.
If you suspect that the site which you are opening is not a trusted Website, try to not open it. Do not follow any of the instructions given in that site.
Look for the padlock symbol at the bottom right of a web page to make sure that the site which is running is secure mode BEFORE you enter your sensitive information

April 03^rd :

Always insist shipments for the same address that is mentioned on the billing address, while ordering online

Always billing address should be same as the shipping address because if the billing address is different from the shipping address it might a sign of a fraudulent order. Cardholders address and the billing address must be same so it is impossible to use the other people’s credit card details. If the shipping and billing address matches the customer can complain to cyber police in case of any fraud occurs. You need to be a little more selective about who to deal with in the country and, if serious about overseas business.

April 02^nd :

Read the privacy policy of the vendor in order to know how they treat your personal information

Always read the policy of the vendor before downloading any software or before registering your self in to particular website. Most of the legitimate websites does not collect any personal information like credit card details, date of birth etc. Generally they collect for the purpose of registration or downloading. Most of the time for registration they ask for e-mail address for further communication by which they may update you with latest features of the product or about the site. Please keep the separate email id for this type of services.

April 01^st :

Beware of credit card transaction while you do online shopping

Before you do online shopping check whether the site is secured .you can check by the URL, which starts with https instead of http. Before transaction delete cookies and don’t save credit card details in the website while you do online shopping. Once if you are done with online transactions delete the cookie which stores your information and also update the desktop with latest operating system patches. Always confirm with whom you are doing online transaction and check whether the site is legitimate which can be done by checking the SSL certificate. And you can also check the site by typing the URL in the Google search engine. Don’t be tricked if someone deals with some gifts, it’s probably an attempt to grab your personal information and beware of such transactions. Before transaction check firewall is enabled since it will be easier for hackers to breakdown your computer and can easily collect the details of transaction, so always enable and computer must be protected with strong password. Once you login check your last login date to verify that no one as used your account, check your credit card and bank statements regularly. After completion of the online transaction take the print out of the confirmation page or you can save the copy for further clarifications as a proof of your transaction and also to avoid the fraud transaction.

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