How do you protect yourself while banking online?

Question

How do you protect yourself while banking online?

Answer 1

I check it every other day, including detailed transactions, for unauthorized purchases, and I sign out every single time.



I did have an incident of my debit card number being stolen online (likely through a new site I shopped on) and used to wipe my account by some jerk ordering homeopathic junk in Germany, but because I check my account often, I was able to immediately stop the transactions and work with my bank to investigate and reverse the charges.



Check often, report suspicious activity *immediately*, never leave yourself signed in even if the site supposedly signs you out automatically when you leave it, and don't use your bank card for every single transaction. Be wary when shopping online, particularly on new sites that are not well known/established as relatively safe. I use PayPal when I can, and buy those disposable, pre-paid credit cards for online shopping.

Answer 2

Do your banking offline.

Answer 3

I don't bank online,I learnt....

Answer 4

Checking for the "https://" (and even the padlock) on the browser, is NOT the rock-solid connection many folks assume it is.



"https" ('s' indicating 'secure) indicates that some method of signing a certificate (Verisign for example) was used to authenticate who the site says it is, and a few other verification steps.

When available for a site, it merely indicates that traffic goes to who is indicated in the address bar & encrypted (so no one else can 'read' or intercept it). It is a method of communication: nothing else.

It does not give any indication of reliability, trustworthiness, internal security, or anything else about a any particular business; or the content of the website or the presence of malware.

And is NOT a absolute guarantee!



Even SSL/TLS secure communication has it's weaknesses and know vulnerabilities, with fake 'https' & padlock icons, and includes forged certificates.

Always right click the browsers "lock", then examine the certificate's pedigree.

Any strange authority could mean some monkey business going on.



Also, have this setting:

Browser> Tools > Options> > Advanced> Security heading> check "Warn about certificate address mismatch"> OK out.



Again: it's not an absolute state of affairs over the Internet.

(For current state of affairs & exploit discussion: Security Now! with Steve Gibson, Episode 223 for November 19, 2009: The Trouble with SSL:

http://www.grc.com/sn/sn-223.htm



Banking on line with a PC is like so many things: you must TRUST that everyone (all the way to the bank) has their security as tight as possible with contemporary methods.

Answer 5

only use the site given by your bank...nothing else

Answer 6

By not banking online.

Answer 7

I use Norton and Firefox's Identification Protection, if some form doesn't look right or looks evil, I report it and bail out.

Answer 8

Have a separate debit Visa or Mastercard account for online transactions with sites about which you are not 100% sure, and only ever have enough money available in that account for that transaction.

Answer 9

i simply don't bank online :)

Answer 10

Follow the steps given below to protect your PC while banking online....

Step 1 Change your passwords regularly and do not use the same password for multiple bank accounts online. If a "bad guy" figures out your password then he can get into every account you have.



Step

2Use a pop-up blocker with your Internet service. Pop-ups have the potential to install a hacker's software on your personal computer that can compromise your private information.



Step

3Update to the newest version of Windows consistently so you can take advantage of the online security updates that are available to help protect your computer for online banking.



Step

4Stay away from public "hot spots" when conducting your online banking. Always use a secure computer when connecting to the Internet in a public setting.



Step

5Check your accounts regularly for any "fishy" transactions. If you are not 100 percent sure that you made that transaction then investigate it. Some hackers make little test purchases to see if you will notice.



Step

6Keep up-to-date on all your virus software, such as McAfee, and run virus scans on a regular basis. This will check for any problems on your computer.

Answer 11

You keep your computer free of spyware, viruses, and malware by installing an antivirus, antispyware, and firewall program. Never click on a link in a e-mail to go to your banks login page since it could be a phising site. Make sure your banks login page has https:// at the beginning of the link which means it is encrypted with a secure socket layer.



Change your bank password for the online on a frequent basis like once a month.



Make sure your password has 2 UPPERCASE, 2 lowercase, 2 Numbers, and 2 punctuation marks like @! . The length of the password should be atleast 8 characters.



a good password would be something like : $@+!R3Man2



I recommend Microsoft Security Essentials, SuperAntiSpyware for protecting your pc from keyloggers, viruses, and spyware. They are both fast, easy to use, and effective.

Answer 12

First of all if possible, try to use one computer ONLY for business and online banking. NO entertainment.

what i do while baning online is the following:

1- close all other websites. never open a website till done.

2- if using wireless connection, make sure it is your secure one. (sometimes windows connects to other available Non secure connections without asking.)

3- and if you want to be at best peace of mind..(if you bank a lot of money lol) then get a fire wall called zone alarm...and when you want to work banking online ask the Zone alarm to stop all incoming and out going connection expect with your bank web site.

Good Luck

Answer 13

1.) Make sure the website you are about to log into has "https" in the URL. This means the site is using secure communication for the things you type in.



2.) When you are done banking online - click the "log out" button as well as close the browser completely.



3.) Watch out of phishing. Phishing is when someone sends you an email that looks like its from your bank and you click their link and ask for your username and password. Make sure the URL is from your bank. Example: https://wellsfargo.com and not http://weellsfargo.com.



You should have a good idea about what transactions you make and your current balance. If you suspect something is unusual - contact your bank immediately.

Answer 14

I did have an incident of my debit card number being stolen online (likely through a new site I shopped on) and used to wipe my account by some jerk ordering homeopathic junk in Germany, but because I check my account often, I was able to immediately stop the transactions and work with my bank to investigate and reverse the charges.

Answer 15

To begin with, look at the address bar to see if it is a "http://" or "https://". A "https://" is a lot more secure to send sensitive information (such as credit card details) because it encrypts the information before you send it.



Then you should decide if the website has been around for a while. Sites that scam and lure people into giving credit card information will eventually be shut down by law enforcement agencies.



Use PayPal! It will reduce the chance of being a victim of fraud.



Lastly, make sure your computer does not have any viruses, key loggers and other malicious software. These programs can track every keystroke or look at your screen, and even "https://" won't help because it has taken your information before it gets encrypted.

Answer 16

Proper Anti-Virus, Internet Security & Firewall some Internet Security suites include hacker & bank protection.

Answer 17

My friend i go to tafe with was able to do an SQL injection and retrieve credit card details, home address, and all there phone numbers, just from one site he was able to obtain over 30 Credit card details with pins and names of the owners with there home address and numbers. After seeing how easily he did this i don't think i would ever use a credit card to shop online without using paypal or something similar.



Basically stick to sites when ur buying that you no are secure, like Ebay.com or amazon.com



hope this helps! =D

Answer 18

Use WOT is a Free Internet Security addon for Firefox and IE that warns you about risky websites that try to deliver malware, online scams or send spam WOT is a free Internet security addon for your browser. It will keep you safe from online scams, identity theft, spyware, spam, viruses and unreliable shopping sites. WOT warns you before you interact with a risky website. It's easy and it's free.

To Download Wot Press here http://www.mywot.com/



Use McAfee SiteAdvisor is the virtual equivalent of the school crossing guard, helping to ensure safe navigation of the web.

Pros

Helps protect against spyware and adware

Alerts on potentially malicious web sites

Provides safety ratings for search results

Helps filter safe web sites from not so safe web sites

Helps to identify nefarious phishing scam sites To Download McAfee SiteAdvisor Press here http://www.siteadvisor.com/

Answer 19

1.Buy a new laptop/computer and don't download anything on it.

2.Only use it for browsing internet and only go to trusted sites.

3.Have an antivirus scanner and firewall protection

4.Never tell your information to anyone at all (duh!). Maybe your spouse if he/she is actually trustworthy.

5.Make sure no one is watching you when you type or if there any cameras that can see you.

6.Make sure your network is safe and password protected.

7.Make sure your password and info for your bank account is hard to know but something you can remember.

8.If you write down your info keep extremely good care of it but its better to remember it.

9.Change your password regularly.

Answer 20

Try to use password saver to secure your account information when shopping online. this way only uses industrial strength 256-bit AES/Rijndael encryption and all of the CryptoAPI algorithms included in Microsoft Windows to keep your passwords secure, while providing an easy-to-use interface for organizing, adding and editing your password records.

Answer 21

Check your SSL..

Use the same computer(Home PC)..

Always use the same ATM's..and just get a Balance inquiry..

..go Online and check your account..

Set your Informational ALERTS--

Make the move to Online BILL PAY.

Answer 22

I don't protect myself. I simply do not do my banking online. End of story. I believe that although the chances are small, online banking is not 100% secure against the most clever hackers. If you keep your private details in a file somewhere on your hard drive the can potentially be found if someone targets you in particular. That would be rare indeed but it is not foolproof. I choose not to risk it.

Answer 23

Download Fruadulent Security Such as Norton 360.

http://www.pc-site.co.uk/more/norton?gclid=CNm12YnqiJ8CFQdl4wodowcEJg

This tells you which sites are secure for submitting your Bank Details.

Hope it Works,

Teenage Genius

Answer 24

Westpac Co Nz Logoff

Answer 25

by using secured browser such as firefox and IE and doin online banking as soon as possible means donot open ur account for long time and remember to logout and use trust worthy firewall and anitvirus program

Answer 26

Transaction Guard

http://www.trendsecure.com/portal/en-US/tools/security_tools/transaction_guard

Note to Trend Micro Internet Security Users: Trend Micro Internet Security already includes all the functionality of Spyware Monitor, plus the ability to remove spyware. Use Spyware Monitor when you are using a computer that does not have Trend Micro Internet Security installed (for example: at a library or an Internet cafe).

Version 2.0

Transaction Guard is FREE software that protects you against spyware while performing sensitive online tasks on a public computer, like Internet banking or other financial transactions. Transaction Guard has two components:

Spyware Monitor – Monitors for spyware and notifies you of any intrusions.

Password ClipBoard – An on-screen keyboard for securely entering user names and passwords.

Answer 27

I have no problem with online banking very secure,www.westpac.co.nz,they even email you to say that your account was logged on to at what ever time it was very safe and secure

Answer 28

1. Never check my account on a Publicly accessible internet connection.

2. I never allow my Web Browser to save my password to my banking site.

Answer 29

in order to bank safely online you must wear two comdoms and make sure that you are protected. you don't want any unsuspected babies to come out of the blue.

Answer 30

Use a pop-up blocker with your Internet service. Pop-ups have the potential to install a hacker's software on your personal computer that can compromise your private information.

Answer 31

1. Ensure your Operating System is up to date with all security patches - this applies no matter whether Linux, Windows, or Mac OS. I would especially advise against using any version of Windows earlier than XP (e.g. 2000, 98SE, ME) as they are no longer patched.



2. Use anti-virus and anti-spyware software, make sure it's up to date too. And use a decent firewall, either a hardware based one if you know how to configure it or a decent personal (software) firewall such as Comodo. I would also recommend using the Secunia Personal Software Inspector (PSI) to ensure all your software is updated.



3. Don't use Internet Explorer 6 or earlier. Seriously, those old browsers are just like putting a sign on your door saying 'Hackers Welcome' Ideally use IE8 if you must use IE. Otherwise Firefox and SRWare Iron (similar to Google Chrome but without the privacy issues) are good alternatives. However with Firefox be careful about which extensions you use. And always use internet banking in a window by itself with no other tabs open in it. There are vulnerabilities that allow copying of data between tabs.



4. Never ever tell anyone else your internet banking passwords or write them down anywhere. And make sure they are secure (e.g. not words or birth dates or licence numbers etc.)

Answer 32

The most important thing is to make sure you sign out every time. Also your computer might ask you if you want to save your log in credentials if so the answer is always no. It makes it too easy for someone to use your personal computer to access your account information.

Answer 33

Don't bank online. Problem Solved.

Answer 34

Use token security like sms/pin/rsa. Also always use the trusted website. make sure use google site adviser. use https links. Make sure site is ssl encrypted and is verified by security companies like Verizon. to be most safe have an insurance like most gold c/c will have.Also not least but most important that you computer is uptodate with os updates, security patches and reliable and efficient anti virus like McAfee/norton. If using windows good idea to have defender and malicious removal tool installed and actioned regularly. also set the browser to high security standards tools>option>security. clear all the cache,cookies and relevant information and restart the browser after a transaction

Answer 35

You shouldn't do it in a public place or someone can go into your bank account and got all your money

Answer 36

turn off the PC walk out side your house and go for a walk to the bank and talk to a teller face to face, oh what a joy a real life smile looking back at you?

Answer 37

-Ensure that the site you go to is actually the bank/financial institution's site (type it, never book mark...if you do bookmark, visually inspect the url you landed on)

-Ensure that you have an SSL connection (most browsers have a padlock to show a secure site)

-NEVER send any personal info over unsecured browser sessions

Answer 38

Remember to Sign out everytime you get off the computer.

Never ever tell anyone your password and username.

When you type your password and there's someone next to you try not to let them see your password.

Answer 39

I had this problem the other day. I had some viruses, and it seemed like someone had changed my online banking password.



Luckily I just entered in my secret questions, and was able to change my password. The key to doing this if you're information has been compromised is to use the virtual keyboard provided with windows or other security software when typing important information. You could do this even if you don't think you have a virus, just to be safe.



With a virtual keyboard, it is impossible for keyloggers (viruses that record what you type and send the information to the person who infected you) to detect what you type with a virtual keyboard.

Answer 40

If you are using Internet Explorer you can download and install the free Trend Micro Transaction Guard, which prevents people from getting information you type (so they can't see you enter your password and other info).



Also with many banks now you can get SMS notifications, a free security service where they require you to put in a code you receive in a txt message before being able to do a transaction, which will prevent you from unauthorized transactions if someone did get your info.



Also you should follow the basics of computer security, clear your history, run an Anti-Virus, and don't give out personal information.

Answer 41

To best protect yourself from scams, I suggest you use online payment systems such as Paypal and Alertpay. Do your online transactions using either.



You can read more on their privacy and protection policy on these sites:

Paypal--> https://www.paypal.com/ph/mrb/pal=AQE3VE3XJTK9L

Alertpay--> https://www.alertpay.com/?T9lkbHyzQk9Ne9w0FEgl4Q%3d%3d

Answer 42

Over the past few years, online banking and other Web-based financial services have exploded in popularity. As our lives have become more hectic the convenience and simplicity of online transactions have released us from standing in line and saved us much valuable time.

It was inevitable that the dishonest among us would notice our increasing use of the Internet and look for an opportunity to swindle and scam. The modern day 'rip-off merchant' uses social engineering to trick unsuspecting people into voluntarily giving away sensitive personal information such as credit card numbers, Social Security numbers, Personal Identification Numbers (PINs), and passwords with an ultimate goal of credit card or other monetary fraud, and identity theft. They may also use HTML e-mail and security vulnerabilities to download malicious software, such as Trojan Horses, onto victim computers.

In this column I will illustrate a few of the tricks that criminals use to try and convince us to trust them, reveal some of the ways that they hide their real identities, and provide information about how to help protect yourself from their harmful effects.



What is Phishing?

Phishing: creating a replica of an existing Web page in an attempt to fool a visitor into providing personal, financial, or password information.

The criminals responsible for phishing will send e-mail that claims to be from a legitimate business or government organization. The 'from' address will sometimes look legitimate but will often be fake.

The e-mail message may display pictures downloaded directly from the spoofed company's real Web site. If the company being imitated has sent e-mail in the past (for example, advertisements) the fraudsters will copy the format of the e-mail right down to the tiniest detail.

When a victim clicks on a false link in the e-mail message they are taken to a Web site that is an exact copy of a real business site. If there is more than one link in the message, several may go to a real business site, but the URL to be used to capture the victim's personal information will go to the fake site.

Below are some examples of what phish e-mail messages look like.

http://www.microsoft.com/library/media/1033/windows/ie/images/using/54304_fake_url_1.jpg





When we compare the URL in the message body of the e-mail (1) to the URL in the status bar (2) we can see that they are different.

http://www.microsoft.com/library/media/1033/windows/ie/images/using/54304_fake_url_2.jpg

Answer 43

Most of the bankers provided the secure PIN for the debit card or with the credit card U have to register it the bank respectively.

Answer 44

mate i lost thousands through internet banking,with two banks a made a complaint filled out forms and got nothing back,simply do not do internet banking as if you loose your money through internet banking,the bank most likely will not refund/compensate you,i gave up in the end as i sufferd head aches and migrains dealing with the my two banks that i use to use but never again,anz was the worst for customer service and the commonwealth bank.

Answer 45

I don't bank online, I do not trust anything to do with online banking, having once been a banker.

Answer 46

i dont know but iam a bit worryed about hackers thats why i dont do that u never know whats going to happen but iam sure theres a avg program that scans ur computer its called anti virus it does id protection,email scanner,resident sheild,anti spyware,link scanner,ani spyware and ani virus it tells u warnings and it tells u u r protected after the scan u can always by secutity progams ask ur computer retalier fo help iam sure they can help as well.

Answer 47

By not banking online. Until banks accept responsibility for providing proper security it's safer not to.

Answer 48

never favourite the website. and all ways log off properly, don't just X out. :)

Answer 49

try your best to keep your password only to yourself. Memorize it and never forget it.

Answer 50

KeyScrambler is freeware and encrypts keystrokes, so nobody can see what you're typing.

It protects against anyone getting any information you type into your pc.

Answer 51

get norton internet security at the least and always look at your transactions

Answer 52

well make sure u gota nice fire wall because if u get a virus it can egt in ur banking account possibly

Answer 53

Don't use plastic, wear rubber.

Answer 54

Dont go to untrusted site, or download any serials or keygen, as most all have keylogger !!!



And alway leave Norton Internet Security, As most hacker use exploit methods to get your sensitive

data and information while your Norton is disable !!!

Answer 55

dont bank online and you wont haveto protect yourself.

Answer 56

you can't but in ie 8 it has a lock telling you are safe

Answer 57

I keep 3 lions. They guard me while I check my account balance. When I'm done I let them outside to urinate.

Answer 58

I would suggest you to please keep on changing the passwords regularly and please donot use the keyboard while entering the passwords. please use the on scrren keyboard that is available on the websites of the banks.

Answer 59

I wear a durex ;)

Answer 60

you don't

Answer 61

Get an internet condom!!! ;D

Answer 62

get a mac

Answer 63

I put on a condom

Answer 64

u serious?

Answer 65

use McAfee...