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Internet Banking - Have You Been Checking Your Bank Accounts On The Web?
Internet banking has altered the way we manage our finances forever.
As opposed to having to call the bank, go there or wait for a statement to figure out how much cash we've got or where it's all gone, we can just log on at the bank's website and find out instantly. It's an enormous money and time saver, for both the consumer and the financial services provider.
Yet electronic banking has had bad press lately, primarily because of concerns about the security of accessing your accounts over the public web. Stories abound of online hackers stealing account or card details and going on incredible shopping sprees, with the unsuspecting customer left to chase their bank for the funds they lost.
These fears have contributed to several people switching back to phone banking and calling their financial service providers, for fear of being a victim of identity theft.
Many fears of online banking are unfounded, however. The most prevalent way fraudsters get account details is not by hacking the bank, but instead by sending out scatter shot spam to millions of men and women telling them to click a hyperlink and enter their account details for some reason, in the hope that some will.
There's constantly someone who knows little enough about how the web works to enter their details into a fake site, not even realizing anything occurred until the fraudsters deplete their bank account.
Very basic education can end this threat in its tracks, however, and make your Internet banking encounter almost 100% safe. The easiest piece of advice is not to click any link in an e-mail that claims to be from your bank: rather, use your internet browser and type in the address of the financial services providers internet site yourself.
Also, when you are asked for your account information and password, make sure to look at the address bar in your web browser, to check that you are looking at your bank's internet site and not an impostor.
If you are still scared, remember that online banking fraud makes up a tiny percentage of all bank fraud.
You are much more likely to become a victim when you hand your credit card over in a restaurant than you are if you bank on the internet. Just like any other kind of fraud, your bank really should cover you for any money you lose, but it's seriously very unlikely that it will ever happen.
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