1. Safeguard you online password and username. Do not disclose this information to anyone at any time or for any reason. Do not use “save and remember the password” feature that can be found in some browser. Change your password frequently and make sure your password is difficult for hacker to guess. Assign password that combining alphabets and number than use uppercase and lowercase characters with your number. Avoid using password that easy to guess by others such as place, names, birthday, car number and etc
2. Protect your personal information by not allowing anyone to have access through your computer. Make sure not to disclose any sensitive information like your home address, email address, bank account numbers, and mother’s maiden name or contact numbers if you think that the sites that you're visiting online cannot be trusted. Avoid opening any email when you don't know the source or if it appears suspicious in any way. There are people who send emails that use names or logos from trusted financial sites and ask for your sensitive information. Take note that reliable banks do not conduct business this way so delete e-mails immediately from unknown senders without opening them. Avoid opening attachments because it might carry a virus and get into your computer in order to track your personal information.
3. Maintain up-to-date anti-virus, firewall, anti-spyware programs and the latest patches for your computer. You need to install an effective firewall to help prevent unauthorized access to your computer. Some of the latest anti-virus software programs usually give the best protection to guard against new computer viruses. Update your trusted browser and operating system by downloading the latest versions which features new security improvements. There are recent threats and malicious programs that may enter anytime in your computer which cannot easily be detected and removed by most common and free anti-virus programs so consider installing an anti-spyware that is well-enhanced
4. Make sure that you are in the right website when you conduct your online banking transactions. When you're visiting a financial website, check if it has a Universal Resource Locators (URLs) which begins with "https". You also need to check if it includes a closed padlock icon on the status bar as displayed in the browser. If you want to confirm the authenticity of your financial site, you may double-click on the lock icon to see their security certificate information. It would be better to manually type the URL address bar of your financial website rather than clicking any hyperlink to access it.
Universal Resource Locators (URLs) which begins with "https"
5. Keep track of your online banking transactions by reviewing all of your account statements and verifying regularly the charges to check for any suspicious activity. You should immediately notify your online bank for any unauthorized transactions or errors in your account through their customer service. Make sure to log-off when leaving your computer unattended or if you're finished with your online transactions. Make it a habit to clear your computer's cache by deleting the history of the web sites that you have visited so that you could also delete your transaction history inside the computer's memory. This is another way of preventing hackers from accessing your personal account information.
6. Avoid clicking anything from websites that offer false opportunities to make fast and easy money or emails from an unknown person asking for financial assistance overseas.
Example of email offer to make fast and easy money