Banking online can be convenient and secure - if you take a few simple precautions.
Transact Only through Secure Websites
Do business only with companies you know and trust. Make sure that you carefully review the privacy and security statements of the web sites on which you transact business.
Verify the address of every website, known as the URL (Universal Resource Locator).
Beware of phony "look alike" websites, which are designed to trick consumers and collect their personal information. If you suspect a website that is not what it purports to be, leave the site. Do not follow any of the instructions it may present to you.
Look for the padlock symbol at the bottom of the web page to ensure the site is running in secure mode before you input sensitive information. To verify, double click on the image of a padlock at the bottom of the browser window. A security Info page will then come up with information confirming the validity of the certificate. These steps must be done before typing in any sensitive information.
Use strong passwords or PINs for your accounts.
Choose passwords that are difficult for others to guess.
Ensure that no one is watching you while you key in your PIN or any other sensitive information.
Keep your PIN confidential and keep it separate from your card information. Your PIN should be memorized and not recorded anywhere.
Never lend your card to anyone or accept advice from strangers while you are using it.
If you need to use a public computer, make sure you do not save your sign-on information when logging in. Clear your browser's cache and history after each session so that your account information is removed.
Always log off properly by clicking the "Sign-Off" button at the top of the screen. Ensure that your online banking session is terminated by following the secure area exit instructions to ensure your protection. Do not just close your browser.
Use Software Protection
Make sure that your home computer has the most current anti-virus software. Anti-virus software needs frequent updates to guard against new viruses. Make sure that you download the anti-virus updates as soon as you are notified that a download is available.
Install a personal firewall to help prevent unauthorized access to your home computer, especially if you connect through a cable or DSL modem.
Use the latest recommended Microsoft Internet Explorer or Netscape Browser version, or one that supports 128-bit encryption. If you use Internet Explorer, you need to deactivate the "Auto Complete" function to prevent any user ID and PIN from being stored.
Launch your Internet Explorer and click on "Tools" >> "Internet Options" >> "Content" .
Under "Personal Information", click on "AutoComplete".
Uncheck "User names and passwords on forms" and click on "Clear Passwords".
Click on "OK" to save the changes.
If you are using a Windows OS, ensure File & Print sharing is disabled while online, particularly if you are linked to the Internet via any broadband connection, digital subscriber lines or cable modems.
Do not install software or run programs of unknown origin.
Monitor Your Transactions
Monitor your transactions. Review your order confirmations, credit card and bank statements as soon as you receive them to make sure that your statements reflect your transactions. Immediately report any irregularities.
Security Tips for E-mail
Do not send sensitive personal or account information unless it is encrypted on a secure website. Please note that ordinary e-mails are not encrypted.
You should never disclose your ATM PIN/Cash Advance PIN via ordinary e-mail.
Scan any attachments you receive via e-mail and immediately delete any suspicious e-mails with attachments.
Be alert for scam e-mails. These may appear to come from a trusted business or friend, but actually are designed to trick you into downloading a virus or jumping to a fraudulent website and disclosing sensitive information.
Thursday, August 28, 2008
What are your goals for the future? Would you like more time for your family or do you desire control over how successful you will be in your career? Business ownership enables you to reach your goals. With hard work, focus, and a business concept that has high market demand in your community, you can be successful. Think about your goals and then begin your search for a business to own which will help you achieve your desired lifestyle…
Saturday, August 23, 2008
What are your goals for the future? Would you like more time for your family or do you desire control over how successful you will be in your career? Business ownership enables you to reach your goals. With hard work, focus, and a business concept that has high market demand in your community, you can be successful. Think about your goals and then begin your search for a business to own which will help you achieve your desired lifestyle