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Enhancing security on your online banking accountBy Centris Federal Credit Union - Crimes like identity theft, credit card fraud and other Internet-based fraud attempts are on the rise. New terms like Phishing , Pharming and Spyware affects everyone using the Internet. At Centris, we believe the more you understand about these new threats, the better equipped you will be to take precautions to protect yourself. We have provided valuable tips on everything from Internet threats to how to identify fraud and to how to report it. Preventing Account Fraud Protect your accounts. Never loan your credit or ATM debit card or share your passwords with anyone who is not authorized on your account. Do not share your account numbers with anyone unless you initiated the contact. Report lost or stolen checks or credit cards immediately. Review new checks to make sure none were stolen in transit. Be aware of the expiration date on your credit card; if you do not receive a reissued card before the expiration date, notify customer service. Store new and cancelled checks securely and always use tamper-resistant checks. You can have new checks delivered to a branch office to be picked rather than your mailbox. Question suspicious emails or phone inquiries. Unless you initiated the contact, Centris will not request your personal information (account number, Social Security number, or mothers maiden name) through an email, U.S. mail, or by phone. Guard your ATM and online banking information. Be creative in selecting PINs, passwords and security codes. Do not use birth dates, social security numbers, street address or childrens names. Do not store your Pins with your cards Curtail the use of paper documents. Centris has several options such as OnLine account access, Free Bill Pay & Presentment and FREE OnLine eStatements. Avoid using easily available information like your mothers maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers or keyboard strokes. Preventing Identity Theft Dont give out financial information online or on the phone unless you initiated the contact, and know the party youre dealing with. Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers. Retrieve incoming mail from your mailbox and dont put outgoing mail in your residential mailbox. If regular bills or statements stop reaching you, call the companys customer service. Someone may have filed a false change-of-address notice to divert your mail. Receiving suspicious charges on statements? If doubtful call immediately to resolve the discrepancy. Keep personal numbers off your checks. Never preprint your drivers license or Social Security number on your checks. Never leave your computer unattended while in an OnLine banking session. When ending an OnLine banking session be sure to select the 'Sign Off' icon to securely log out of your account. Check your Credit Report Centris recommends that you check your credit report on a regular basis. About the Author: Tim Mogler is the Internet Marketing Specialist at Centris with over 6 years experience in OnLine Banking products. keywords: Checks | Check | Banking
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