Banking Security Tips
ATM Security Tips
- 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 solicit help from third parties. When in need of help, please call the Bank helpline displayed in the ATM lobby.
- 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.
- Sign up for SMS alerts to enable you cross check and confirm your transactions.
- Report any stolen or lost Visa Debit cards immediately by calling our Toll free 0800 222 000.
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 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.
- 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.
- During evening hours consider taking a companion along, park close to the ATM in a well-lit area and lock your car.
- Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.
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.
- Keep your cheque book in a safe place to prevent unauthorized use.
- Do not keep any pre-signed cheque leafs to minimize the risk.
- 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.
- Do monthly reconciliations on the cheques that were issued.
- Report stolen cheque books or leafs through toll free 0800 222 000 or 0312 300 200 immediately.
- 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.
QuickOnline Security Tips
- Do not share your Username and Password with anybody.
- Always create strong passwords. Your password should incorporate lowercase and uppercase letters, numbers and symbols,
- Always sign out and never enable automatic logins.
- Do not use the back – button of your browser when signed in. Only use links to navigate within dfcu QuickOnline.
- Do not provide your username and password at any other site except dfcu QuickOnline. Banking. There are numerous email and website scams on the Internet.
- Change your username and password on initial sign-in.
- Memorize your username and password.
- Change your username and password regularly.
- Read the dfcu QuickBanking Terms & Conditions carefully.
- Report any suspicious emails or websites you may encounter.
- Monitor your accounts regularly.
- Don't use public Wi-Fi network to access your account as they are usually not encrypted, making it easier for hackers to steal information.
- Safeguard your device by restricting access to it with a PIN, password or fingerprint.
- Turn off your Bluetooth function when you aren't actively using to minimise the likelihood of cybercriminals taking over certain functions.
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 QuickBanking 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 log on to its mobile banking service via an 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’.
- 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.