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Showing posts with label Mobile Banking. Show all posts
Showing posts with label Mobile Banking. Show all posts

Saturday, August 04, 2018

BPI PADALA Moneyger Account: 4 Simple Steps On How to Apply



If you are the "manager" of remittances sent by an Overseas Filipino Worker (OFW), this savings account is designed just for you. With the BPI Padala Moneyger, you can effectively budget and save for your family's future. Remittances are sent directly into your account in a safe and very convenient way.
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If you are the "manager" of the remittances sent by an Overseas Filipino Workers (OFW) this savings account is designed for you. With the BPI Padala Moneyger, you can budget effectively and save for your family's future. Remittances are sent directly into your account in a safe and very convenient way. The product has the following main feature: Convenient! Remittances will be directed to your BPI Padala Moneyger Account any time of the day, even holidays! Balance can be checked via online or mobile banking. You can also do other transaction with your account such as transfer funds and pay bills. It means you don't need to withdraw all the money sent to you. You can manage your financial transaction with a tip of your finger as well. Safe! Withdraw only as needed! The money is safe with the account. You don't need to withdraw the whole amount and carry home with you. With BPI Padala Manager, you can withdraw anytime, anywhere via BPR ATM nationwide. And one more thing? Withdrawal is free! Affordable BPI Padala Manager does not require you to have maintaining balance. Just make sure you have four remittance transaction in the account in a year! Very easy right? Because we all know that OFW sends remittances almost every month! Product Pricing and Rate Type of Deposit — BPI Padala Moneyger Required Initial Deposit — None Required Minimum Monthly ADB — Waived. As long as there are 4 remittances in a year! Required Daily Balance to Earn Interest — P5,000 Interest Rate — 0.25% per annum How to Open an Account Opening a BPI Padala Moneyger Account is very easy! Step — 1 Visit any BPI or BPI Family Savings Bank branch nearest you! Step — 2 Bring the following requirements One (1) original, valid ID with photo and signature Proof of remittance, such as any of the following Copy of previous remittance transaction receipt (maybe from pawnshops, remittance centers, etc.) Copy of remitter’s work contract, work visa/work permit, overseas employment certificate from POEA, OWWA ID, ODOS certificate, etc. Copy of statement of bank account showing remittance credit Referral letter from BPI Overseas Customer Segment This document may be presented upon claiming of a debit card. Step — 3 Fill out the Standard Account Opening forms Step — 4 Wait for three days for the Debit Card of your Padala Moneyger account. This will be available at the branch where you opened an account! There you go. We all know that budgeting OFW's money is not easy with increasing prices of products and services lately. But always remember to set aside a small part of the remittances for the savings. Working abroad is not easy and it won't last forever.
 The product has the following main features:

Convenient!

Remittances will be directed to your BPI Padala Moneyger Account any time of the day, even during holidays! Balance can be checked online. You can also do other transaction with your account such as transfer funds and pay bills. It means you don't need to withdraw all the money sent to you. You can manage your financial transaction with a tip of your finger via mobile banking.

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Safe!

Withdraw only as needed! The money is safe within the account. You don't need to withdraw the whole amount and carry the cash home with you. With BPI Padala Manager, you can withdraw anytime, anywhere via BPI ATM nationwide. And one more thing, there is no withdrawal fee!

 Read: 10 Best Banks to Open Savings Account in the Philippines

Affordable

BPI Padala Manager does not require you to have a maintaining balance. Just make sure you have four remittance transactions per account in a year! This requirement is very easy because we all know that OFW sends remittances almost every month!
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Product Pricing and Rate

  • Type of Deposit — BPI Padala Moneyger
  • Required Initial Deposit — None
  • Required Minimum Monthly ADB — Waived. As long as there are 4 remittances in a year!
  • Required Daily Balance to Earn Interest — P5,000
  • Interest Rate — 0.25% per annum


How to Open an Account

Opening a BPI Padala Moneyger Account is very easy!

Step — 1: Visit any BPI or BPI Family Savings Bank branch nearest you!

Step — 2: Bring the following requirements
  • One (1) original, valid ID with photo and signature
  • Proof of remittance, such as any of the following: Copy of previous remittance transaction receipt (maybe from pawnshops, remittance centers, etc.)
  • Copy of remitter’s work contract, work visa/work permit, overseas employment certificate from POEA, OWWA ID, ODOS certificate, etc.
  • Copy of statement of bank account showing remittance credit
  • Referral letter from BPI Overseas Customer Segment. This document may be presented upon claiming of a debit card.

Step — 3: Fill out the Standard Account Opening forms

Step — 4: Wait for three days for the Debit Card of your Padala Moneyger account. This will be available at the branch where you opened an account!

There you go. We all know that budgeting OFW's money is not easy with increasing prices of products and services lately. But always remember to set aside a small part of the remittances for the savings. Working abroad is not easy and it won't last forever.

This article is filed under savings account, remittances, best bank for savings, mobile banking, interest rates, financial transactions, deposit account, and savings bank!

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Saturday, June 10, 2017

Important Steps To Stay Safe When Using Online or Mobile Banking

ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

ONLINE BANKING
Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe.
USE ON-SCREEN KEYBOARD:
This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices.

ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

DO NOT FOLLOW LINKS:
Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. 

The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. 
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

CLEAN YOUR CACHE: 
Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. 

Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

UPDATE AND BE SECURE: 
Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule.

Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. 
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.





 MOBILE PHONE BANKING:

CHECK THAT APP:
Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes.

Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

 CHECK YOUR OTHER APPS:
Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

NUCLEAR OPTION - WIPE!
Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

LOCK OR SWIPE?
Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.


GENERAL SAFETY:

 FREE WIFI!
Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.


S+R0nG P@ssWoRdS: 
Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. 

For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on.
5@mp1e = sample

Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here!

PRIVACY:
Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around).

A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

STAY ALERT:
Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users.

 Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

INQUIRE and SUBSCRIBE:
Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.





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