A secure access to your account from your PC
- Electronic banking allows you to have access to the bank and make the same transactions that you make in physical branches, any day any time. Besides, they guarantee a high security level when making a transaction, even higher than in a real branch.
- The number of unauthorized accesses on e-banking is smaller than in traditional banking. You may think otherwise, but the fact is that online banking boast of a higher security level than the ones you visit in person. This is due to the fact that e-banking has updated and modernized security systems which constantly check and control all electronic transactions.
Every time we use computers with different purposes, among them we may access to our bank account from a computer used by other users. That is the reason why there is a set of basic recommendations that you’d better take under consideration in order to have access to your online bank account in the safest way, as shown below:
- User name and password
Use names and passwords allow you to have admission to your personal online account. That is why they are personal and nontransferable. In order to maintain the safety of your account, it is essential to keep these data confidential. Only you must know and use them. If you ever need someone to manage your account, you must ask your bank to create a new authorized user and password for this person.
You should avoid providing this information by email or over the phone.
It is also important when creating the password to choose one that it is not easy to crack from your personal details (your ID or birth date for instance).
Beside your user name and password, the bank should have a high-level security system to authorize money transactions from your accounts. Here are some alternatives:
- To request other identification details, such as your electronic ID or another digital certificate.
- Creation of one-use passwords. To use mobile programs or portable security devices those generate single-use passwords (acting like this we are avoiding the risk of loss, copy, or theft of them).
- It is also common that banks demand a different password every time you make a transaction. This password is given to its owner written in a special card either by post or in person in the branch.
- Go through your bank statements. Check your bank operations and the summary of your credit card operations and confirm that everything is been authorized.
- Access your e-account only from your own computer so as to ensure the highest security.
- Maintain your PC updated. Make use of antiviral, firewall, and keep them updated.
(Source: Asociación Usuarios de Internet)