Steps to do a Risk-Free Banking in this Digital World

ATM

It is better to remember your 4-digit PIN rather than writing it down anywhere.
Never trust a stranger to assist you with the ATM card, instead ask a Bank executive to help you.
Whenever you are entering your PIN, beware of shoulder surfing, these people will take glimpse at your secret number and may misuse it.
Wait until your transaction has been completed, do not hurry once you have collected the cash from the ATM.
Make sure no one can see your transaction receipt.
If you have lost your card, call customer care or use your internet / mobile banking to block your debit card.
If anything is strange or suspicious at ATM machine’s keypad or card slot, stop your transaction at once and inform the security personnel or the branch immediately.
It is better to change your PIN frequently.

When you are writing a cheque, make sure you don’t do mistakes. It is better to deposit a cheque without any alterations.
Never sign a blank cheque and avoid signing at multiple places; it might lead to the misuse of your signature.
Remember to cross your cheque whenever it is relevant.

A Bank or a Bank employee would never ask you to share your password/PIN/OTP/CVV/Card Number.
Do not share your login credentials / MPIN to anyone else.
Pick a frequent SMS/Email alerts from Bank.
It is better to update your mobile’s OS and anti-virus.
Just because you are getting a free WIFI, doesn’t mean it is a secured network. Always choose for a secured network to do your transactions.
If you lose your mobile phone, call your network provider to block your SIM card otherwise the fraudster can use your Banking details and other personal information.

Pick a strong password which is easy for you to remember and hard for others to guess! And it is all you need to secure your account.
Install and update antivirus in your computer/laptop/mobile phones.
Check the website address/URL carefully. It has to show a Padlock symbol and the link should begin with https not http!
Once you have finished your transactions, do not forget to logout of your online Banking session. If you leave it open, someone can hack your account.
When you receive a funny cat video link from an unknown source, even though the video can be funny, do not open it. The link can actually redirect you to a phishing website, which can retrieve all your personal information and use that against your will. Do not enable auto-save option for your Banking website.