With
the rise of computers and mobile devices has come a surge in the
popularity of online banking. There are a number of conveniences and
benefits, but it is always good to be wise with your online dealings.
Thieves are just as happy to take advantage in the virtual world as
they are in the real one.
1.
Be careful with your password
Being
password savvy means both protecting its secrecy and picking
something complicated. An unusual word with symbols or numbers
substituted for a few letters is perfect for online banking. The same
goes for the PIN. 1-2-3-4 isn't very secure, but your high school
locker combination might be more difficult for hackers to find.
2.
Know the bank's URL
Some
thieves go to great efforts and set up fake websites that look a lot
like a real bank. To make sure you end up on the right page, type in
the bank's actual website and always check the address bar for the
proper information. Often, there will be a lock icon added, to
indicate a secure site.
3.
Set up alerts
One
of the best new conveniences that comes with online banking is the
ability to set up reminders and alerts. With only a few easy steps,
you can set auto texts, emails, or calls to be sent to you if a
charge over a certain amount is made or if your balance drops below a
certain level.
4.
Use encrypted data
Encrypted
data means that the content sent and used on the website is put into
a code by scrambling the data that only your secured login and the
bank can read. This makes it difficult for hackers to simply pull
your information.
5.
If something looks fishy, it probably is
Banks
take the security for their online banking customers seriously and
spend a lot of money to prevent hackers and thieves. They wouldn't do
anything that could cause you to be confused or to compromise your
information. They would never ask for sensitive information in a call
or email, especially one that wasn't initiated by you. If you receive
an odd communication, it is best to not reply and contact your bank
immediately to check the activity.
If
you would like to learn more about online banking in Houston, visit
Green Bank.
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