When I came to Malda in 2013, the only bank with which I had net banking facility enabled, was State Bank of India. We bought our home, our mutual funds, insurances everything using online banking facility. Strictly trusting the secure network provided by SBI and safe internet habits, I kept my money safe and sanity intact.
Even now when I want money transferred to my bank, or want to transfer money the bank that comes to my mind is my SBI account. There are many reasons.But most importantly I have a 17-year -old relationship with State Bank of India.They provide a secure environment and good service. In today’s world until and unless you have access to safe and secure net-banking facility many of your financial transactions will become cumbersome.Cybersafety is a serious matter.
There are definite best practices which you must follow while banking online:
Number one: Always use a secure internet connection for accessing your bank. For this, your home network on your laptop or home computer is best. Have internet security installed on all your home and office devices.Not just anti-virus, you need a complete solution to keep your computer safe.
Never click unknown links from your phone or from your laptop.
Avoid downloading apps and software on your phone which wants you to override your phone or laptop security. The last two are ways by which hackers get malware downloaded on your phone.Remember its your phone,y our laptop,y our digital home.So keep it safe.
When you use debit cards:
- Remember your PIN.
- Remember to keep changing it regularly. Make it complex and test your brain. It’s better you don’t write it down in random places.
- Avoid giving your card to any service person.Go to the payment counter yourself while shopping, visiting restaurants or shops. This habit keeps you safe.
- Make your PIN complicated; so that people can’t easily make it out.Do not share it with anyone.
- Do not use card for payment purpose while using Free wifi at airport, coffee shops, or any other open public internet connections,
- Never discuss Mother’s maiden name or your pet name with anyone.These are common questions used for resetting passwords and should be guarded.
Be careful about Vishing calls! The bank personnel will never call you to confirm any account related information through phone.
Internet banking precautions:
- Always use secure connections. Don’t fall for free wifi. Use only secure channels.
- Keep strong password and keep changing periodically.
- Make it complex using a capital letter, small letters, numbers, and symbols. You can use the virtual keyboard for additional security.
- Make the password inspirational so that you can remember.
- OTP, CVV, Password should never be shared with anyone .
- Register your mobile number, so that you get the SMS for online transactions on time.
- Set proper and minimal amounts for beneficiaries.
- Review your account statements regularly.
- While on the roads you need to drive safe .while online you need to remember safe usage of IT .
- Be smart, be secure, keep your money safe.
Mobile Baking with SBI:
- Mobile banking with SBI is very popular. But like every other bank, the Mobile banking SBI app needs usage with care.
- When you use third-party apps you are trusting unknown people with sensitive information.
- Free apps when they gain access to your banking data and phone information can cause major security breaches.
What are your tips to keep your banking safe online? Share in the comments below.
Sharing is good Karma!
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These tips were so helpful. I am really scared of cyber fraud and it was really good to know about the sbi computer cyber security
My son usually takes my phone to download games.. .so what I did was set the phone password to my finger print. And also set up individual app password. Other thing that help is reading the review of the app before downloading.
I have sbi net banking activated and they use secure network for communication. SBI is most trusted bank for me and my family.
Internet banking is easy and convenient and everyone uses it making it easier for hackers. Good that SBI has this feature
Agree with you, Dr. Amrita. Cyber Safety is a serious matter, even we trust SBI. Thanks for sharing this informative post.
Great tips doctor and indeed cyber crimes are common nowadays and your post will help a lot in understanding cyber safty.
I also have an SBI account, and apart from a few online transactions I really don’t know much. This post has enlightened me further in the field of banking.
I have a SBI Netbanking account since more than 15 years. Also operated a corporate netbanking account for 5 years with sole transaction rights wherein more than 95 % of expenditure was thru epayment. Therefore from time to time had seen these details. Putting everything concisely in one place is commendable. Thank you , I am sure several individuals will be benefited. SBI also deserves to be complimented. They provided lot of handholding. I confess, netbanking with other private bank has not been a pleasant experience.
Thank you for such insights Mr.Patil.I deeply appreciate your comment.
Cyber security is very essential and a little care and understanding can save us a disaster.
True
This is a pretty exhaustive list you have shared. I am a banker and trust me, when I get to know of such cyber crimes or phishing cases, it’s mostly a lapse that’s occurred from the account holder’s side. While online banking has easened life of many, it certainly requires the user to be very very cautious on its usage.
Unfortunately thats true .Thank you for sharing your insider knowledge.
Agree we always shares our cards while billing at restaurants, airport etc. But that’s not the right way. We have to be Extra cautious with our online money transaction.
Exactly Dr.Bushra
Very important points have been shared. In this digital era its important to take care of these factors
Great Topic Cyber security is a huge concern especially online banking and credit card frauds. My husband works in anti fraud and the best tips are never use free WiFi always use secure network on phone or tablet or computer. Updating your antivirus systems and regularly changing your passwords to log in is another method. Not surfing unsecured websites and not opening spam mails also helps avoid malware from downloading on your computer.
Thank you Sharvari.These are excellent tips.Do share more if you have!
These are great tips! its amazing how with the convenience the security threats have also increases. I also use OTP authentication and do not share any information on phone call!
That’s absolutely right!
I usually use OTP system for most of my transactions this way the ATM pin is not compromised.
Yes that’s a good way.
Cyber crime and like issues have just become way to common. Its scary! Using some sensible small steps like u mentioned will go a long wat.
Thanks
Yes true that.
Initially I was scared of using net banking but it is convenient and with proper precautions it is really helpful. All points mentioned above should be taken care of while doing transactions. SBI computer security feature is really awesome. My whole family has account in SBI 🙂 Thank you for sharing this.
Thank you for the appreciation.
Cyber crime has become nightmare for many of us. A little ignorance can lead us to trap. These tips will help a lot in keeping our money safe online.
Cyber Safety is a primary issue as most of our rely on net banking. Changing your password, keeping it complicated is very important. People tend to keep their birthdays or zip code as the password..but those are the first one to crack
wonderful post! This is much needed awareness article in today’s cyber world.
These are some great tips for cyber security. I always keep a complex password and make sure to clear the memory after every online transaction on my phone
That’s an insightful post. Cyber security awareness is a must. Great to know SBI has great security features in the cyber space.
Yes, awareness is a must.
I absolutely agree with you, it is more than important to take care of your cyber security on your own. The SBI computer security feature is something we all must know about. This one was really helpful.
Thanks, Shirley .Glad you agreed.
Some really helpful information you have provided which people tend to ignore and often share password and keep their password easy for their own convenience and end up losing money through telephonic fraud or sites which are not secure
Very true.
This is such an important and useful post. Thanks for bringing out these points about secure online banking
I have recently started using online banking facility and I too have SBI account.. this was very useful information for me!
Thank you Mrinal .Glad you found it useful.
Well, the points you shared about Online Banking related precautions are useful. Glad that you found SBI to be good.
Thank you Nameesh
Internet banking precautions are so useful. Great to know SBI computer security feature. This is like a big relief considering the amount of cyber crimes happening around us.
True that.