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Home» Security Tips

Security Tips

With the increase in Internet crime, online scams and ATM fraud, online banking security is crucial. Here are a few tips to keep your ATM card and  electronic passwords safe.

Visa Debit Card Security Tips

dfcu Visa Debit card Security Tips

To prevent online fraud:

    • Keep current with your software and virus protection
    • Create strong passwords
    • Ignore emails from senders you don’t know
    • Download files from only sites you know
    • Sign up for e-statement/SMS alerts “transaction alerts” to keep track of your purchases

Travel smart, travel safe:

    • Inform us of where you’re headed and for how long
    • Note your card number(s), balances and the Bank’s phone numbers and keep them in a safe place
    • Save and check all receipts against your statement
    • Don’t leave your card(s) unattended

To help stop retail/ATM fraud, remember:

    • Review receipts before you sign
    • Monitor your statements
    • Sign up for e-statement/SMS alerts “transaction alerts” to keep track of your purchases
    • Keep copies of ATM and sales receipts for your records
    • Be aware of your surroundings
    • Guard your PIN from fraudster “shoulder surfing”
    • Report missing cards immediately

To fight phishing (on-line fraud):

    • Consider all email requests for personal information to be suspicious
    • Do not respond to such emails or enter information on questionable websites
    • Check the legitimacy of the inquiry by contacting the number on the back of your dfcu Visa Debit card
    • Report suspicious emails or websites to the Bank

To help stop identity theft:

    • Monitor card and account statements frequently
    • Report missing cards immediately
    • Do not volunteer any personal information unless necessary
    • Append your signature on the signature panel upon receipt of your new Visa Debit card.
    • Shred sensitive documents before disposing them off
    • Install anti-virus and anti-spyware software
    • Change passwords regularly

Protect yourself from deceptive marketing practices:

    • Read and understand all terms and conditions
    • Beware of any “free trial” that requires a payment card number
    • Understand all pre-checked boxes when ordering online
    • Review statements for unauthorized or unusual activity
    • Try to resolve issues with the merchant first; if unsuccessful, contact the Bank institution

A few tips to keep your information secure:

    • Monitor your accounts often
    • Check your statements frequently to make sure it’s correct
    • Sign up for SMS alerts and or e-statements “transaction alerts” from your bank
    • Store important documents securely

ATM Security Tips

  • Ensure that you sign your card on the signature panel as soon as you receive it.
  • Memorize your Personal Identification Number (PIN) and other security information and destroy the notification immediately.
  • Do not write your PIN down or keep it in your wallet or purse
  • Do not allow any one else to use your card, know your PIN or any other security information
  • Do not keep a record of your PIN or password together with your card
  • Do not use easy-to-guess dates, numbers or passwords such as your passport numbers or birthday as the PIN or password
  • Change your PIN or password regularly
  • Be on the look out for unusual withdrawals on your statement
  • Make a list of your card account numbers and telephone numbers for reporting lost or stolen cards. Keep the list in a safe place. Check your cards periodically to make sure none are missing
  • Immediately report any stolen or lost ATM card to the proper entities

Cheque Book Security Tips

  • When writing a cheque,always use a ballpoint pen instead of pens with more erasable inks like fountain pens or felt tip pens.
  • To prevent unauthorized additions and/or alterations, commence all writing as close as possible to the left-hand margin, leaving no gaps and drawing a line through unused spaces.
  • Any cheques that the account holder does not wish to be cashed should be crossed, to ensure that a cheque is paid into the intended beneficiary’s account; the cheque should be marked with the words “Not Transferable” between two transverse lines.
  • Keep your cheque book in a safe place to prevent unauthorized use.
  • Keep your cheque book separate from your ATM cards or any other document that bears your signature. If a fraudster gets hold of your cheque book, but does not have a sample of your signature, a forged signature will probably not resemble yours.
  • Ensure that you do monthly reconciliations on the cheques that were issued.
  • Report stolen cheque books immediately at the nearest branch.
  • Avoid posting cheques, should it be necessary, cheques should be placed in non-transparent or dark envelopes without any staples / paper clips, which can be felt through the envelope.
  • Never have any cheques lying around that have not been completed or fully signed.

Click Banking Security Tips

  • Do not share your Username and Password with anybody whosoever
  • Do not leave your computer when you have signed in to Click Banking.  Always sign out first.
  • Do not user Click banking in a Cyper Café or any other insecure computer
  • Do not use the back – button of your browser when signed in.  Only use links to navigate within dfcu Click Banking
  • Do not provide your user and password at any other site except dfcu Click Banking.  There are numerous scam emails or websites on the Internet.
  • Do change your username and password on initial sign-in
  • Do memorize your username and password
  • Do change your username and password from time to time
  • Do read the Click Banking terms and conditions carefully
  • Do report any suspicious email or website you may encounter

Mobile Banking Security Tips

Handset/ Mobile Browser Settings

  • Install anti-virus software on your mobile handset to protect against viruses. If already installed, then ensure it’s updated in a timely manner.
  • Download and run security updates and patches on your mobile browser. This helps in protection from known possible security problems.
  • Install a firewall on your mobile handset or enable the same if your handset comes with a firewall.
  • Remove all the temporary internet files after using dfcu mobile banking services.
  • Delete the browsing history of your mobile browser on a regular basis.

Emails/ Data/ Links/SMS from Unknown Sources

  • Do not open attachments or links from unknown sources; this protects your handset from being infected by viruses
  • Type in the URL for mobile banking in the mobile browser, instead of clicking on any link. This will ensure access of the authentic website of the bank.
  • To avoid spyware, always act with caution when installing any third party software onto your mobile phone. Do not install pirated software or software from unknown sources.
  • Always delete spam messages
  • Be aware of the potential for fraudulent SMS messages. The Bank will never request or invite customers to logon to its mobile banking service via a SMS message.
  • When using mobile banking, always check that the security padlock on your internet browser is “locked” to ensure the connection is secure and protected by SSL. You should also check that the URL starts from ‘https’ and not ‘http’.

Unauthorized Access

  • Do not share your mobile banking user ID and passwords with anyone
  • Do not share your mobile phone with untrustworthy people
  • Do not leave your mobile phone unattended during an open mobile banking session
  • Always disconnect from the Internet when you have finished your mobile banking session
  • Avoid performing transactions or applications in public places. This helps in minimizing the risk of security threats such as “shoulder surfing” of mobile banking credentials
  • Ensure all other Internet sessions are closed before you logon to mobile banking sessions. Do not open other Internet browser sessions and access other sites, while accessing your mobile banking application. This can help to ensure your financial information remains confidential and guarded against unauthorized access via other websites.
  • Always remember to log off properly using the “Logoff” button when you have finished your mobile banking session.
  • Do not save your mobile banking credentials user ID and password in your phone. This helps to reduce the risk arising in case your mobile phone is lost or stolen.
  • Keep your mobile phone in an auto lock mode to provide additional protection.
  • Do not logon to the mobile banking application from a mobile phone that is shared with other people, as it may be difficult to ensure the mobile phone is free of hackers or spyware.

Security Tips Prior To and During ATM Transactions

  • Prior to transacting at an ATM, check the ATM for any foreign devices as it has come to our attention that fraudsters insert devices into ATM slots to enable them read customer details to make card duplicates
  • Conceal your PINs during transactions (Shield the ATM keypad from anyone who may be standing or parked nearby or anyone crowding you in an attempt to view your PIN and/or transaction. Use your body as a shield if necessary while you enter your access code)
  • Memorise your PIN and do not  reveal it to anyone
  • Always watch out for suspicious persons or activity around the ATM.  Be aware of anyone sitting in a parked car in close proximity to or at a distance from the ATM location
  • If you notice anything strange, leave and return some other time. Even if you have already started a transaction, cancel it and leave.
  • Maintain an awareness of your surroundings throughout the entire transaction. Do not become so involved with your transaction that you are not aware of changing conditions in the area
  • Do not wear expensive jewelry or take other valuables to the ATM. This is an added incentive to a robber
  • If you get cash – put it away immediately.  Do not stand at the ATM and count it.
  • Never accept offers of assistance with the ATM from strangers; ask the bank for help
  • Never lend your ATM card to anyone; treat it as if it were cash or a credit card
  • During evening hours consider taking a companion along, park close to the ATM in a well lit area and lock your car.