Although banks go to great lengths to ensure that your online bank account is safe and secure, you should always take special care when banking online. Use these tips as a guide to ensure that you are protecting your account.
Choose a Unique Login
Most online bank accounts allow you to create your own login information, whether it is a password or user ID. When creating your account login, it is important to choose something that is unique and not easy to guess by anyone you know. Also, make sure your online bank account login is different than your other online logins.
Don’t Share Account Information – Be Cautious of Emails
A common method used by hackers to gain access to your online bank account is through deceptive emails disguised to look like it is from your bank. These emails normally contain a link to login to your online bank account. The way the scam works is by redirecting you to a phony web page that resembles your bank when you click the link. To protect your online account, always check the senders address on emails claiming to be from your bank. Most online banks will not ask you for your account number or other information via email or SMS. When in doubt contact your bank directly instead of clicking on an email link.
Keep your Login Private
In addition to creating a unique account login, you should also keep your login private. Your login information is important to the protection of your account; memorize it and avoid writing it down. Keep your login to yourself and don’t share it with anyone. If for any reason you do share your login with another person, understand that you are allowing that person to access your account and by doing do you take on responsibility for anything that person does with your login, including sharing it without your permission.
Surf the Internet Safely
When you are banking online, pay attention to your surroundings and make sure you are protecting your privacy. Never leave your computer unattended when doing your online banking, regardless of what computer you are using. Also, you should always make sure you are completely logged out of your account when you are finished with your online banking.
Check your balance often
You should check the balance of your online bank account on a regular basis. By doing so, you can ensure that your account is safe and protected against unauthorized use. You don’t even need to be logged into your banks website to check your account balance, as most online banks allow you to get your balance through the phone, text messages, or email. Some online banks even offer emails or text message alerts to notify you of certain changes in your account, such as deposits or withdrawals. These alerts can be used as added protection to make sure you are aware of your account activity.
These tips should alleviate any concerns you may have about the safety of your account, allowing you to concentrate on more important things.