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Internet Banking, I have been doing it for years, rarely ever actually go to the bank itself, order products off the internet and purchase travel on the internet. But gangsters are out there trying to get at your money, so you have to know some basics on how not to be their next victim.

Phishing Group Bsnk

Now how do they know what bank you deal with? Well they don't, but they do have a list of banks in each country and they know a portion of the millions of emails they send out will be banking with that bank, a few of those will fall victim to this.

Now what you foremost have to drill into everyone's head - banks do not send emails or even call requesting your login or pin number, they may disable your banking card if a security issue is discovered but they will NOT call you or email you requesting passwords or PIN's. Never ever respond to these emails EVER! If you have any doubt about the legit of an email, call your bank and not the phone number that may be indicated in an email but the real phone (usually listed on the back of your banking or credit card or on the real banking website). If you ever get caught on anything like this and immediately realize it, immediately call your bank to have the account disabled, then go to your bank and get a new banking card and change your PIN, immediately change your internet banking password.

Here is a sample fraud email....

From: RBC - Royal Bank [215914dell@ SRV87281 administrator.yahoo .ca]; on behalf of; RBC - Royal Bank [580177dell @SRV3341598 6846administrator. yahoo.ca]

Scam Email

I have removed any active links from this, and this is one of the lamer ones as a lot will be more fancy with the bank's logo on it. Do NOT click on any links but you can hover the mouse over a link and view the internet location of the link and I am sure it is anywhere but where you may think the link would take you. Also look at the 'from' email address, what bank would have a yahoo email address.

So in closing never ever click on a link in one of these emails.

Now for real internet banking....

All websites that deal with processing payments will have an encrypted connection between your browser and their payment server. On the payment page where it asks for your banking / credit card will have an internet address starting with https:// and not http:// notice there is an s there for secured connection. Never ever enter a banking login / credit card info on a website that does not start with https://

Some sites use or have the option of processing payments through PAYPAL which is a specialized internet payment processing banking facility, I have used them a lot for purchases on the internet and have had no issues. But as with regular banks you can still get fraud emails trying to get you to provide your login to paypal to someone who will try and steal money from you.

In addition to protect yourself fully...

Keep all software and windows updated / have a hardware firewall as well as a software firewall / Have good antivirus / mail ware software on your computer and keeped up to date with regular full scans of your system.

Interesting web links on this subject...


Other Notes:

If you ever get money taken from your account that is not accounted for, and the bank has any kind of security guarantee on their banking service...

DO NOT ever tell them that anyone other than yourself knows your PIN number or password even if it is just your spouse. If you tell them that even only your spouse knows the password or PIN it becomes a breach of the account contract and they at that point can refuse to refund money obtained from your account through fraud / theft.

Written: Dec. 12, 2014
Revised: Jan. 12, 2015
By: Donald Kerr

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