What are the dos and don’ts for a safe net banking experience?

Internet banking is simple, fast and extremely convenient. Most transactions, be it the payment of bills or fund transfers can be done from anywhere. One just needs access to a computer system and internet.

Although this facility is quite revolutionary and has changed the nature of banking, certain safety measures need to be taken in order to ensure security of one’s account and money.

Here are a few do’s and don’ts that should be kept in mind to ensure a safe net banking experience-

Do change the account password from time to time

For the very first account log in, the bank provides a password, but change it immediately. Thereafter, make it a point that the password is changed at particular intervals of times to ensure safety.

Do not login to the account through a public computer

To ensure safety do not access the account at a cyber café or from an office/library computer. There are high chances of malware which may put the net banking account at risk. In case a login is absolutely necessary, clear the browsing history and cache. All temporary files should also be deleted. Most importantly, do not click ‘save’, if a pop-up which asks for permission to save ID and password appears.

Do check the account from time to time

Keep a tab of the online transactions that are taking place through the net banking account. In case of any irregular activity, inform the bank immediately and lock the account.

Do not share account details

Account ID and password should not be shared with anyone. If you have to share the information, in case of an emergency, change the password as soon as the situation is under control.

Do log out after every session, and type net banking URL

While copy-pasting the URL is a convenient option in order to log into the net banking account, avoid it! Typing the URL is a much safer option. Also make sure to log out after every session, so as to prevent anyone from misusing the account. In case one has to leave the computer system even for a minute while net banking, take the trouble of logging out and logging in again, just to ensure safety.

Do not use open/ public Wi-Fi

It is best to undertake any bill payments or transfers online, through a personal Wi-Fi connection. Avoid the use of net banking when on an open Wi-Fi or public Wi-Fi, primarily because chances of getting hacked are higher.

Moreover, one should also ensure that they offer proper anti-virus protection to their system. It should be licenced for optimum safety.


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