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Online Banking Tips

· Banking
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In recent years, internet banking has become a very convenient way to purchase financial services. With the increasing use of the internet, more and more banks use the internet to provide products and services or to improve communication with existing customers of SECU member access.

However, according to the Federal Deposit Insurance Corporation (FDIC), safe online banking, smart decisions include - decisions that help users avoid expensive surprises or fraud.

Even if you choose a traditional bank or an online bank without the physical office, you should ensure that the bank is valid and the deposit is a nationwide insurer.

Here are tips for customers considering banking on the Internet:

1. Read the most important information about the bank published on your website. Read the "About Us" section of the bank's website for the brief history of the bank, the official name, address and coverage of FDIC.

2. Protect yourself against fraudsters websites. Avoid representing the websites using real financial institutions such as a name or web address. It is designed to give tricks to give potential customers personal information, such as the number and password of your account. Before making a transaction, make sure that you enter the correct website address of your bank.

3. Check the insurance status of the bank. To check the bank's insurance status, see the term "FDIC" or "FDIC Insurance" on a famous FDIC logo or website. Internet users can also check the online database of FDIC insurance organizations.

4. For insurance reasons, a bank can use different names for its online and traditional services. Your deposit with the original bank is added together on the website and insured up to the maximum amount covered by the bank.

5. The deposits made by FDIC insured companies are protected by FDIC. Securities and insurance products sold in a mutual fund, stock, bond and life insurance website or any bank is not insured by FDIC, the bank can not be guaranteed and lost the value.

6. Many times, chartered banks abroad have not received insurance from FDIC. If you choose a chartered bank abroad, then it should be noted that FDIC can not insure your deposit amount.

Customers often want to know how their personal information is used by their bank and whether they are shared with the partners of the bank or other parties. Since July 2001, banks should provide a copy of their privacy policy to their customers, whether it is online or offline business. Customers can know what information consumers share with their customers and whether they share it with other companies.

It is important to know that the internet is a public network. Therefore, it is important to know how to protect bank details, credit card numbers, social security numbers and other personal information. Visit the bank's website for security information or contact the bank. For the online banking information that it is right, an individual is required to go to this site to see some of the essential factors to come up with in order to make the perfect decision.

Also learn about site safety features, including:

1. Encryption: Private information encryption to prevent unauthorized access.

2. Password or Personal Identification Number (PIN): Used when accessing online account. Choose a unique password for yourself and consider changing it regularly.

3. General Security: The security provided by your computer, such as antivirus and physical access control, should be regularly updated and updated.

Some banks may offer links to dealers, retailers, travel agents and other websites. Please note that there is no FDIC insurance on the non-official website linked to your bank's website. The products and services of this company will not be insured by the FDIC and your bank can not guarantee products and services. Before making any transaction, make sure that you are familiar with the reputation of a company and you will never issue a credit card or debit card number without applying the transaction.

View here for more details about online banking - https://en.wikipedia.org/wiki/Online_banking