Online banking is fast replacing the need to visit the bank. But with online banking comes the hazards of identity theft and attempts to steal your bank account numbers. There are numerous ways you can protect yourself when you are online and conducting your banking business. Protecting yourself is important to keeping your money safe in the bank.
The first thing you can do is set a very unique password to your online bank account. Pick something that no one would think of. Do not connect it to family names, dates of birth, where you went to school, and anything else that is personally identifying. Thieves often use what they know about you to guess passwords. Do not keep your password in your email. This is a dangerous place to store a password. If thieves hack into your email, they have your bank account password. As shown by a recent case in the media, emails can easily be hacked into.
Another important safety precaution is to delete all emails that reportedly come from your bank. All information can be verified at the bank site itself. Even though, they may be emotionally alarming, do not click on those links at all. More often than not, they lead to a foreign website or a spoof site designed to store your information.
Never,ever give your bank passwords over instant messaging. Think before you type. The guy on the other end of the instant messaging is more than likely a scammer trying to get your account numbers and password. When you need to speak to the bank, call them directly or go into the branch and deal with them personally. Aside from making it easier to get the problem solved, you avoid the possibility of someone impersonating as a bank representative. Keep your online banking safe by keeping vigilant.