Today the internet is a big thing- everything is revolving around the internet in social and economic aspect, and this has prompted financial institutions to offer online banking services. Such online solutions have brought a lot of conveniences and benefits to both the clients and the banking institutions. Through online banking, banking activities by people require less time compared to traditional banking methods. In the past, you would be needed to go to a bank for any transactions and deal with the long queues to get them done. You may using such solutions from an online based financial institution or an extra amenity offered by a physical bank but all in all, there are elements to bear in mind to ensure financial safety.
For you to ensure that your online banking information is secured, make sure that the internet portal provided by the bank is secured. To enhance safety, the website of the financial institution needs to be secured as well. You can figure out whether website provided is safe by checking the browser’s address bar; a safe website will always have an address bar beginning with “https”. Most people are not keen on this, but you should check whether there is an “s” at the end of the “HTTP”, if there is none, that site is not secured, and you should avoid transacting on it. Other website security professionals recommend that you check for a padlock icon on lowermost of your website browser to check if it is protected. The icon should be a closed padlock; it shows that your online banking information is secured.
If you want to accept any online banking solutions from an online based bank, it is crucial that you verify whether you are working with a legitimate entity. You can check with the FDIC to evaluate whether the bank has all the certifications and other validations. In addition to that, an entity can only be considered to be a bank if is listed with the Federal Deposit Insurance Corporation.
Your bank from time to time will want to keep you informed on essential banking information and may do this through emails. You may get emails appearing to be from your banking requesting you to log in to verify your banking information, don’t click to such links. Criminals often use such emails disguising as your bank to get your log-in information and steal your funds. Make sure you reach out your bank and report such a case immediately you get such an email.
Ensure that you don’t log in to your online bank account on library computers, cyber caf? computers and any other public computer. Criminals can still access your log-in info using the computer’s history even when you have cleared all the browser cache on the device. To always keep your online banking information secured, avoid using public devices to access your bank account.