随着银行业务的便利性，如果您不了解网络犯罪分子使用的程序和技巧，互联网也会带来很多麻烦。(Internet)有许多方法可以使用，他们可以在线访问您的银行帐户。流行的方法是黑客攻击(Hacking)、社会工程 身份盗窃(Identity Theft)和网络钓鱼(Phishing)。本文提供了一些网上银行安全提示，以便您保持警惕。
网上银行安全提示
请遵循这些网上银行安全提示(Online Banking Safety Tips)，以确保您的金融交易安全。这些安全网上(Internet)银行的安全提示将保护您免受欺诈。
1]切勿(Never)将您的银行详细信息提供给任何人
网络犯罪分子最常用的方法是社会工程和网络钓鱼。他们试图与您交朋友，然后询问您的银行详细信息。请记住(Remember)，在任何情况下，任何银行都不会要求您提供银行 ID 和密码。
不要(Dont)在社交网络上向您或您的朋友提供个人详细信息
在五个网上银行安全提示中，第一个提示是，当遇到诸如您的客户 ID 是什么等问题时（通过电话、亲自或电子邮件），您应该逃跑。
谈到网络钓鱼(Phishing)，犯罪分子可能会发送定制的电子邮件，要求您单击链接以更新您的详细信息，例如地址等。此类攻击称为鱼叉式网络钓鱼(Spear Phishing)。他们可能会向您发送一封电子邮件，说您需要更新详细信息并在电子邮件中提供链接。如果您单击该链接，您将被带到一个相似的站点，因此您会丢失您的登录凭据给诈骗者。如果您收到一封要求您更新银行详细信息的电子邮件，请忽略它们。如果您有疑问，请致电银行并询问他们电子邮件是否来自他们。
此外，请勿在未验证来自受信任来源的情况下打开(Open)或转发任何内容。(Forward)
简而言之，您应该忽略所有要求您提供银行凭证的通信——电子邮件、电话、人与人之间的交流等。不要点击(DO NOT CLICK LINKS)看似来自银行的电子邮件中的链接。
阅读：(Read:) 点击网页链接前的注意事项(Precautions to take before clicking on web links)。
2]使用双重身份验证(Use Two-Factor Authentication)登录
几乎所有银行都提供双因素身份验证方法。确保您正在使用该设施。这是为了你自己好。如果您必须从多种身份验证方法中进行选择，请选择一次性密码(One Time Password)( OTP ) 方法。每当您想登录时，都会向您注册的手机发送一个PIN作为第二次身份验证。(PIN)
3]避免使用公共电脑和WiFi
网上银行安全提示中的重要(Important)内容是避免使用公共WiFi，尤其是公共计算机。我所说的公共计算机，是指网吧(Internet Cafes)和图书馆的计算机。咖啡厅、火车站、机场候机室等公共 WiFi(Public WiFi)有利于打发时间，但无法阻止黑客远程窥视您的计算机。切勿(Never)将公共电脑(Computers)和公共 WiFi(Public WiFi)用于网上银行。这将帮助您保护银行信息的安全。
阅读(Read)：如何在公共计算机上保持安全(How to stay safe on public computers)。
如果您使用WiFi，您将面临更大的风险，因为使用公共或免费 WiFi 的危险(dangers of using a Public or Free WiFi)要高得多。您需要更多地保护自己免受可能劫持您的数据连接以了解您在做什么的黑客的侵害。他们所需要的只是一个可以在Internet和其他地方轻松获得的简单设备。阅读我们关于如何在公共 WiFi 上保持安全(how to stay safe when on public WiFi)的文章。
4]经常更改密码
虽然银行说您应该经常更改银行密码，但我知道每三到六个月想出一个不可破解的密码是很困难的。很难记住它们。就个人而言，虽然我使用密码管理器，但我没有授权它保存我的银行密码或交易密码。
无论您是否更改密码，都要保持它的独特性和强度……以及您可以记住的东西。不要在其他地方使用它，这样即使LinkedIn之类的东西遭到入侵，网络犯罪分子也无法使用相同的密码来访问您的在线银行。同样(Likewise)，避免将密码存储在密码管理器中——无论是本地的还是基于云的。你不知道其中一个可能会受到损害。我并不是说密码管理器不值得信赖，但很少有东西能更好地保存在你的大脑记忆中，而其他任何地方都没有。
5]检查地址栏中的URL
网页完全加载后，请务必检查浏览器地址栏中的URL 。是您要访问的网站吗？
此外，如果它显示锁定图标或 https，则它是一个“安全”网站。
不要下载任何你不信任的东西。
6]检查(Check)您上次登录的日期和时间
如果有一项功能可以在您在线登录银行时向您发送SMS或文本，请使用它。(SMS)这会给您一个通知，并且在有人试图使用Internet登录您的银行时很有用。
如果该功能不可用，您可以手动查看您上次登录的时间。如果您发现登录日期和时间，甚至是交易摘要中的任何违规行为，请立即锁定您的帐户并通知银行。
完成工作后退出。
7]使用好的安全软件
使用一个好的Internet Security Suite，它总是使用最新的定义进行更新。某些安全软件会以特殊保护模式打开您的浏览器，并提供屏幕键盘，这样键盘记录器或黑客在检测到金融网站时就无法记录您的密码击键。如果能用VPN软件就更好了。是的，不用说 - 让您的Windows 10/8/7操作系统和您的网络浏览器始终保持最新状态。
完成银行交易后，请务必记住退出。(Once you have completed your banking transactions, always remember to log out.)
Avoid online banking and other cyber frauds - Safety Tips for PC users
With the ease of banking, the Internet also bringѕ a load оf trouble if you are not aware of procedures and triсks uѕed by cybercriminals. There are many methоds using which, they can get access to your bank accounts online. Poрular methods are Hacking, Social Engineering Identity Theft, and Phishing. This article offers some online banking safety tips so that you can be on your guard.
Online Banking Safety Tips
Follow these Online Banking Safety Tips to keep your financial transactions secure. These security tips for safe Internet banking will protect you from frauds.
1] Never give your bank details to anyone
The most used method among cybercriminals is social engineering and phishing. They try to befriend you and then ask you for your bank details. Remember that no banking company requests your banking ID and password in any case.
Dont give your or your friends personal details on the social web
The first tip, among the five online banking safety tips, is you should run away when encountering questions like what is your customer ID – on the phone, in person, or an email.
Talking of Phishing, criminals may send customized emails asking you to click a link to update your details like address, etc. Such attacks are known as Spear Phishing. They might send you an email saying you need to update details and provide a link in the email. If you click the link, you are taken to a look-alike site, and thus you lose your login credentials to scammers. If you receive an email asking you to update your bank details, just ignore them. If you are doubtful, call up the bank and ask them if the email originated from them.
Also, Don’t Open or Forward anything without verifying that it from a trusted source.
In short, you should ignore all communications – emails, phones, person to person, etc. – that ask for your banking credentials. DO NOT CLICK LINKS in emails seemingly originating from banks.
Read: Precautions to take before clicking on web links.
2] Use Two-Factor Authentication for login
Almost all banks provide two-factor authentication methods. Make sure you are using the facility. It is for your own good. If you have to choose from a number of authentication methods, go for One Time Password (OTP) method. You’ll be sent a PIN to your registered mobile phone as the second authentication whenever you want to log in.
3] Avoid Public Computers and WiFi
Important among the online banking safety tips is to avoid public WiFi and especially, public computers. By public computers, I mean Internet Cafes and library computers. Public WiFi at coffee places, railway stations, and waiting lounges at airports, etc. are good for time pass, but they cannot stop hackers from peeking into your computers remotely. Never use Public Computers and Public WiFi for online banking purposes. That will help you keep your bank information safe.
Read: How to stay safe on public computers.
If you are using WiFi, you are at greater risk, as the dangers of using a Public or Free WiFi are much higher. You need to protect yourself much more against hackers who may hijack your data connections to know what you are doing. All they need is a simple device that is easily available on the Internet and elsewhere. Read our article on how to stay safe when on public WiFi.
4] Change Password Frequently
While a bank says you should keep changing the banking password frequently, I know it is hard to come up with uncrackable passwords every three or six months. It is hard to remember them. Personally, though I use a password manager, I haven’t authorized it to save my banking password or transaction password.
Whether you change the passwords or not, keep it unique and strong… and something that you can remember. Do not use it elsewhere so that even if something like LinkedIn is compromised, cybercriminals cannot use the same password to access your bank online. Likewise, avoid storing the password in password managers – be they local or cloud-based. You don’t know when one of them might be compromised. I am not saying password managers are not trustworthy, but few things are better saved in your brain memory and nowhere else.
5] Check the URL in the address bar
Always check the URL in the address bar of your browser, after the web page is fully loaded. is it the site you want to visit?
Moreover, If it displays a lock icon or https, then it is a ‘secure’ website.
Don’t download anything you don’t trust.
6] Check your last login date and time
If there is a feature that sends you an SMS or text whenever you log into your bank online, use it. That will give you a notification and will be useful in case anyone tries to log into your bank using the Internet.
If the feature is not available, you can manually see when you last logged in. If you find any irregularities with the login date and time, or even in the summary of transactions, immediately lock down your account and inform the bank.
Log out once your work is done.
7] Use a good security software
Use a good Internet Security Suite, which is always updated with the latest definitions. Some security software opens your browser in a special protected mode and also offers an on-screen keyboard so that no keylogger or hacker can log your password keystrokes when they detect a financial website. If you can use a VPN software, even better. And yes, goes without saying – keep your Windows 10/8/7 OS and your web browser up-to-date at all times.
Once you have completed your banking transactions, always remember to log out.
