We are living in the information age where everything is just a few clicks of our fingertips. This is especially true about our banking. We’re always on the go and it’s so easy and convenient to do banking from our mobile devices. You’re in the store and see a new pair of shoes, but do you have the money to afford it? Maybe you take a look at your bank account.
However, there are risks to mobile banking. You now have easy access to your funds, but so do the crooks. However, you can take steps to keep your money safe. Here are some ways to protect yourself from mobile banking fraud.
1. Make sure your bank is using multi-factor authentication. A bank that requires multiple different ways for you to identify yourself when on a new device is the first great defense against banking fraud.
2. Utilize email and text alerts. Receive immediate alerts any time there is unusual activity on your bank account, or even any time there’s activity so you can see your interactions as soon as they occur and can verify that they are yours.
3. Regularly change your account passwords. And don’t just add a new number to the end of the old one either. Make it a significant change. Using a password generator could be a great way to create hard-to-guess passwords for yourself and then save them on a site like Passpack.com so you don’t forget them. Don’t use the same password throughout your accounts either, banking or otherwise. Your banking transactions will be much more secure if you are using a different password than you have for your email for example.
4. Be vigilant, aware, and suspicious. Check your account frequently from secure locations. Be aware of what transactions you’re making. Remember that if something sounds too good to be true, then it probably is. Know what new scams are out there and be on the lookout for those. Speak with your bank to find out what they are doing to protect you and your account from scammers.
5. Update your mobile devices. Make sure you have the latest security protection not only on your personal computers, but all of your mobile devices as well.
6. Secure your mobile device with a strong passcode. Be cautious about the sites you visit on your mobile device and what information you give out, especially if you’re using public Wi-Fi. Whatever information you put over a public Wi-Fi signal is not safe or secure.
7. Look for secure websites when making purchases with your mobile devices. Sites with https are secure. If you see the little lock symbol in your browser as well, you can be assured that the site has taken extra measures to make sure your personal information and credit card numbers are not being filtered out all over the internet for anyone to see.
8. Use a digital wallet. This will store all of your credit cards so you don’t have to use the actual card at a store, but it has a unique card number. No worries if you lose your device, though, because no one can access your digital wallet. It’s easy, convenient, and secure.
If you keep up to date on what is happening out in the world and also keep changing your passwords, then you should avoid most mobile banking fraud. Remember, work with your banking institutions to keep your funds safe and protected. Frequently checking your credit will alert you to any issues as soon as they arise.
from Believe It Achieve It http://ift.tt/2gMozA4
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