There is no better time than right now to think about online banking safety. There are plenty of scary stories about hackers and fraudsters trying to scam their way into bank accounts. The best way to protect yourself is by making these easy online banking safety tips part of your routine.
Online Banking Safety Tips:
Tip 1: Know who to trust
A good general rule when it comes to online banking safety is, if you don’t know the email address, don’t trust it. For instance, Citi Bank will only send you emails from either @citibank addresses. If someone from “Citi Bank” emails you from a different address, do not respond.
Tip 2: Just say no
Regardless of who emails you, never include your full account or social security numbers in a response. If someone is asking you for these personal details, it should be an immediate red flag. No one at PerkStreet, or any other financial institution, will ever ask for your social security number or bank account number over the internet. If someone asks for it via email, don’t give it to them! Never post your account, social security number, or contact information in a public online forum like Twitter or Facebook.
Tip 3: Use tricky passwords
If it’s easy for you to remember your password, it’s probably easy for hackers to figure out. For optimal online banking safety, Create strong passwords, never use the same password for two different accounts, and make sure to change them periodically. Use a site like HowSecureIsMyPassword.net to test your passwords now.
Tip 4: Check in daily
When it comes to online banking safety, sometimes the best line of defense is early detection. Checking your balance every day keeps you in the know when it comes to your accounts in general. It also means that if anything looks strange, you’ll catch it sooner rather than later. Make it part of your good morning routine, and you’ll always know what’s happening with your accounts.
Tip 5: Always call ASAP
If you think someone is trying to scam you – or worse, you have already been scammed – call your bank. The sooner they have the information from you, the faster a report can be filed and a scammer can be stopped. Never wait and see if it doesn’t feel right. It’s always better to be safe than sorry when it comes to online banking safety.
Be cautious, and be aware. Don’t let scammers get the best of you. It’s your money, why should someone else get to spend it?