Nowadays, all commercial banks have launched online banking services, which saves customers waiting time at the bank counter, which is indeed more convenient. However, while online banking is convenient and fast, it also has certain security risks. It is common to hear that some users have "unfortunately" "lost money" online. So are there any good tricks to prevent "theft"?
Although all commercial banks have consciously improved the safety factor of online banking, they have begun to use password cards, verification codes, documents and hardware digital certificates to maintain the security of online banking accounts. However, protecting the security of online banking accounts is not just the job of the bank. Customers should also take measures to avoid various risks.
The first measure: When logging in to the online banking, you must check whether the login URL matches the URL in the agreement signed by you and the bank. Avoid using search engines and other third-party channels to log in to online banking, in order to avoid falling into the traps set by some fake online banking websites.
The second measure: password setting should use a combination of numbers and letters. Do not use the date of birth, ID number, etc. as the payment password to increase the difficulty of cracking the payment password; do not set the online banking password and the password of its email, online community, QQ or MSN to be the same, which may allow criminals to steal Take the opportunity to get online banking and bank card password.
The third measure: Check the transaction records regularly. For online banking transactions, you must carefully check the input information (account number, amount), and after the transfer is completed, regardless of whether the system prompts success or not, you must check the balance and details of the transfer account. Check the historical transaction records of online banking regularly to keep abreast of account changes. If you find abnormal transactions or accounting errors, you should contact the bank immediately.
Fourth trick: Avoid using online banking on public computers. Due to the reproducibility of file digital certificates, it is best not to install QQ chat programs, online games, etc., and try to use a dedicated computer to prevent confidential information from falling into the hands of others through public computers.
The fifth trick: buy genuine software, often anti-virus on the computer, and be wary of email links. Online banking generally does not send out "system maintenance and upgrade" reminders by email. In case of major events, the system will suspend services and the bank will announce in advance. Once it is discovered that the information has been stolen, the relevant transaction password should be changed immediately or the bank card should be reported as lost.