How to effectively use your net banking account?

Whether it is the creation of a fixed deposit or bill payments, Net Banking will help you get the job done quickly and conveniently. Instead of heading to the bank and waiting in a queue, internet banking has made all banking functions easily assessable with a few clicks. To avoid any fraud, you need to use Net Banking very carefully. However, it is important to secure your account from phishing by taking the right steps. Here are a few tips to help you use your Net Banking account safely.

Use anti-virus software
To protect your mobile phone or computer from malware and phishing, use genuine anti-virus software on your system. It will not only help detect the virus but will also remove the spyware that can record personal information.

Do not use Public Wi-Fi
Whenever you need to use your Net Banking account, ensure that you are not on open Wi-Fi. A hacker generally sits between the hotspot and the user to trace data. It is easy for hackers to see an unsecured connection and take the opportunity to introduce malware in your device. If you regularly use public Wi-Fi, you need to consider setting up a VPN on the computer which will build a tunnel between the internet and your computer, and will prevent hackers from interrupting the traffic on your account.

Update your password regularly
To keep your Net Banking account safe, it is imperative to maintain confidentiality. You can do this by changing your password from time to time. You should never share your account details with anybody. The bank never asks for any confidential information through email or phone, and if you have taken down the password in a notebook, you need to keep it safe. Choose long and strong passwords for your bank account because they are difficult to predict.

Turn on mobile notifications
You need to subscribe for mobile notifications right away. The notifications will inform you of any transaction which look suspicious right away, and you will know if/when someone is trying to log in to your account.

Do not sign into Net Banking through mailers
It is safer to type the URL of the bank instead of being redirected to the link through a promotional email. Do not trust any third party website to log into your account. No bank will ever ask you for the login details for your account. Hence, if you see an email which takes you to the login page of your bank, never enter the password.

Never use public computers for Net Banking
When you share personal information on a public computer, there is a higher risk of compromising your confidential details. Hence, never log in to Net Banking from a public computer. If you ever have to do it, do remember to clear the cache and history before you leave. Do not allow the browser to save your password.

Check the account regularly
Many banks show login history on their website. Hence, if you notice any irregularities in the account, you need to reset the password and contact the bank immediately. Keep a check on your savings account from time to time.

While net-banking poses minimal risks, it is important to take these steps to ensure that your account is safe and convenient to use at all times.

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