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Steps to do a Risk-Free Banking in this Digital World

ATM

  • It is better to remember your 4-digit PIN rather than writing it down anywhere.
  • Never trust a stranger to assist you with the ATM card, instead ask a Bank executive to help you.
  • Whenever you are entering your PIN, beware of shoulder surfing, these people will take glimpse at your secret number and may misuse it.
  • Wait until your transaction has been completed, do not hurry once you have collected the cash from the ATM.
  • Make sure no one can see your transaction receipt.
  • If you have lost your card, call customer care or use your internet / mobile banking to block your debit card.
  • If anything is strange or suspicious at ATM machine’s keypad or card slot, stop your transaction at once and inform the security personnel or the branch immediately.
  • It is better to change your PIN frequently.

MOBILE BANKING

  • A Bank or a Bank employee would never ask you to share your password/PIN/OTP/CVV/Card Number.
  • Do not share your login credentials / MPIN to anyone else.
  • Pick a frequent SMS/Email alerts from Bank.
  • It is better to update your mobile’s OS and anti-virus.
  • Just because you are getting a free WIFI, doesn’t mean it is a secured network. Always choose for a secured network to do your transactions.
  • If you lose your mobile phone, call your network provider to block your SIM card otherwise the fraudster can use your Banking details and other personal information.

INTERNET BANKING

  • Pick a strong password which is easy for you to remember and hard for others to guess! And it is all you need to secure your account.
  • Install and update antivirus in your computer/laptop/mobile phones.
  • Check the website address/URL carefully. It has to show a Padlock symbol and the link should begin with https not http!
  • Once you have finished your transactions, do not forget to logout of your online Banking session. If you leave it open, someone can hack your account.
  • When you receive a funny cat video link from an unknown source, even though the video can be funny, do not open it. The link can actually redirect you to a phishing website, which can retrieve all your personal information and use that against your will. Do not enable auto-save option for your Banking website.

BRANCH BANKING

  • When you are writing a cheque, make sure you don’t do mistakes. It is better to deposit a cheque without any alterations.
  • Never sign a blank cheque and avoid signing at multiple places; it might lead to the misuse of your signature.
  • Remember to cross your cheque whenever it is relevant.
RBI Information on Fraud awareness