Although most of us never have any security problems with are banking, fraudsters and identity thieves are finding more and more ways to steal our hard earned money. If you are careless with your banking then you can make it very easy for people to access your details and steal your money. If you want to keep your banking safe and secure, then follow these simple steps.
Careful ATM use
The simplest things can help to protect your money, and one such step is to be careful when using cash machines. Make sure that you don’t have your PIN number written down anywhere, and check behind you to make sure that no one is trying to read your number whilst you type it in. Also, if you see anything suspicious on or around the cash machine, don’t use it.
Destroying documents
We all receive a heap of bank statements and correspondence from our banks, many of which we simply don’t need to keep. If you are going to through out anything that is related to your financial affairs or bank accounts, then make sure you dispose of it properly. A common trick of identity thieves is to look through your rubbish to obtain your bank details. Make sure that all important documents are kept safe, and that any discarded documents are thoroughly shredded or torn up so as to make them unreadable.
Never give out your details
Another technique that is used by fraudsters is to try and get you to give them your bank details by sending you mail or email pretending to be your bank. If you get emails or messages asking you to give up your bank details, then ignore them completely. Your bank will never ask you for your details via postage or email, as these methods are not secure. If you are unsure about whether an email or message is genuine, call your bank to obtain confirmation. Also, you should never give out your bank details to anyone that you don’t trust 100%. The more people that you give your details to, even family members, then the more exposed you are to fraud.
Online banking
When you are banking online, make sure that you only access your account in a secure place, and try to avoid looking at account details on public servers. Also, you should make sure that you have adequate virus protection and firewall software on your company so as to stop anyone accessing your bank details. Furthermore, try and avoid making purchases on web sites that you do not trust or if you are unsure about their security features. Try and avoid using debit cards altogether online for purchases, as their security features are much weaker than credit cards.
Reducing the risks
The key to safe and secure banking is to reduce the risk of your account details being exposed. The best way to do this is to go completely paperless, as some banks now offer online only accounts. If you have adequate computer protection then paperless banking can really reduce the risks of your bank details being used by someone else.
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Peter Kenny is a writer for The Thrifty Scot.
Please visit us at Savings Account and Unfair Bank Charges
Visit www.thriftyscot.co.uk
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