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Dos and Don’ts

DO`s:

  • It is recommended to type the full URL of bank`s website yourself on the web-browser
  • Use secured webpage`s URL, i.e. URL should begin with “https”.
  • Keeps an eye on the transactions happening through your bank account. DON`Ts:
  • Do not respond if you receive spam mail or an e-mail that may appear to have been sent by the bank asking you to click a link for accessing your Internet banking account. Inform the bank immediately about such e-mails.
  • Do not click a link in an e-mail message and instant messages from strangers to access internet banking.
  • Never share your account credentials through e-mail.
  • Bank never asks for user id and password, hence don`t share it with anyone including bank`s call center and branch staff.
  • Always protect computer by installing up-to-date antivirus software that is capable of protecting system from viruses and Trojan horses.
  • Always log-in computer as a “user” not as “administrator”, so that unauthorized software e.g. Trojan does not get installed automatically at your computer.
  • Protect computer from malicious Intrusions and attacks by enabling the windows firewall.
  • Keep Web browser and operating system up-to-date with software updates.
  • Scan system regularly using up-to-date antivirus software for malware, spyware, virus and Trojans.
  • Set up password of mobile phone and do not reveal password to anyone.
  • Smart Phones with GPRS are vulnerable to virus, so install up-to-date antivirus software in user mobile phone.
  • Install a firewall on mobile handset or enable the same if handset comes with a firewall.
  • Remove the temporary files and the cache that were stored in the memory of the phone regularly, as that may contain any sensitive information such as account numbers.
  • Clear the browsing history regularly.
  • Type in the URL for mobile banking in the mobile browser, instead of clicking on any link. This will ensure access of the authentic website of the bank.
  • Delete spam messages/mails.
  • Be aware of the potential for fraudulent SMS messages. The Bank will never request or invite customers to logon to its mobile banking service via a SMS message.
  • Check that the security padlock on internet browser is “locked” to ensure the connection is secure and protected by SSL. User should also check that the URL starts from `https` and not `http`.
  • Avoid performing transactions or applications in public places. This helps in minimizing the risk of security threats such as “shoulder surfing” of mobile banking credentials.
  • Keep mobile handset in an auto lock mode to provide additional protection.
  • Monitor your account regularly and always keep a record of user transactions.
  • While using Wi-Fi access, ensure that adequate security measures have been implemented on mobile handset to protect it against virus and attacks from other Wi-Fi users.
  • Switch off the blue tooth function of handset when not in use. This protects from virus attacks .
  • Strong passwords/ Biometric permission should be enabled on your phone, tablets.
  • Applications should be downloaded only through official stores.
  • Avoid connecting phones to public wireless networks.
  • Disable Bluetooth when you don’t need it

Dont’s

  • Do not click a link in an e-mail message and instant messages from strangers to access internet banking. It is recommended to type the URL yourself on the web-browser. Use secured webpage`s URL, i.e. URL should begin with “https”.
  • Do not close the browser window directly, without logging-off completely from the bank`s website.
  • Do not access Internet Banking account from a cyber cafe or a shared computer. However, if user happens to do so change passwords from own computer.
  • Do not share mobile banking credentials (user ID, passwords) with anyone.
  • Do not share mobile handset with untrustworthy people, to restrict unauthorized access.
  • Do not allow others to access your mobile phone before logging out from the sites (banking/financial/shopping) that you are accessing.
  • Beware of online offers that require account details for `verification`. Do not reveal any information regarding account such passwords, account number etc.
  • Do not leave Mobile banking application session unattended. Always sign off from a session.
  • Do not follow any URL in messages that user is not sure about.
  • Do not download any file from sites (e.g. applications, games,pictures, music etc.) or any e-mail attachments that you are not sure about.
  • Do not download any software without verifying its security and privacy features from the website.
  • Do not logon to the mobile banking application from a mobile handset that is shared with other people, as it may be difficult to ensure the handset is free of hacker or spyware.
  • Do not save mobile banking credentials like user ID, passwords in the phone`s T9 dictionary. This helps to reduce the risk arising in case mobile phone is lost or stolen.