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