Internet Banking Tips
Written by R. A. Stewart
Internet banking is here to stay whether we like it or not but so is internet scams which have caught so many people out. It is important to stick to a set of rules in order to minimise your chances of being caught out by these scams. Here is a list of rules which will help you to keep out of trouble.
Rule one-Use a separate email address for dating sites.
If you are using a dating site then do not use the same email address you would use for your banking. You have heard of “Romance Scams” and these come in many different forms. You certainly do not know who you are dealing with and you do not want your main email address clogged up with unwanted emails.
Rule two-Two factor authentication
Give yourself an extra layer of protection by setting up a two-factor authentication. This will involve setting it up with your phone. Once this is done you will sign in with an username and password and then receive a text with a code which you will type in the space provided.
Rule three-Do not connect your debit card to your personal account
This is just asking for trouble! One person I know was fleeced of $3,000. He invested this money into his everyday account then the money disappeared from his account the following day. A site he bought goods from had his debit card details and this was linked to his personal account with the hacker having his and other customer’s banking details. The bank made good his loss.
Rule four-Do not leave all of your money in one account
You should never just leave all of your money in your personal/everyday account. Your savings should be in a separate account. It is important to establish firstly what this money is for and invest it accordingly
Rule five-Do not click on links
It is not always possible to know whether an email you receive is from your bank or from a scammer, therefore, make it a rule to never click on a link in an email. Instead, type in your bank’s website on your computer.
Rule six-Use this google trick
Copy and paste any email you receive from your bank into the google search engine and see what comes up. Do the same with any phone number you receive in an email or text. This night threw up some red flags.
Rule seven-Never, never give your password to anyone
Never give your password to anyone if they ask for it. If anyone asks you for your password in an email or text message then this is a certain red flag.
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