Fraud is committed when criminals uses your personal information to access your bank accounts, obtain loans, make purchases, rent an apartment in your name, get a job, get medical services or otherwise use your identity for their own purpose.
Please use the information below to help keep yourself safe when dealing with online fraud.
The Internet is now very secure for credit card use, far more so than for everyday use, where you hand your card over without thought to waiters and store clerks, and far safer than giving out your credit card number over the phone.
E-commerce websites require a commitment to securing transactional details, including credit card information from customers. They use one of the many available encryption techniques which scramble the exchange of information between you and the website you are visiting so that it cannot be tampered with, corrupted or copied. Encryption is provided through a document the website provides called a certificate.
Secure websites and pages will feature two important conditions that indicate they are using encryption technology and a Secure Socket Layer. This is indicated by “https” (letter “s” after the http portion of the URL) and means that the server is a secure one. In your browser, you will also see a lock icon in the Security Status bar. The Security Status bar is located on the right side of the Address bar. The certificate that is used to encrypt the connection also contains information about the identity of the website owner or organization. You can click the lock to view the identity of the website.
Even if the connection between your computer and the website is secure, it does not guarantee that the website is trustworthy. Your privacy can still be compromised by the way the website uses or distributes your information, so you should read their Privacy Statement.
While there is no absolute guarantee of safety on the web, you can minimize online privacy or security problems by using websites you know and trust. Try to use sites you’ve used previously or that are recommended by trusted friends or family.
Sometimes you may need or want to use a computer when away from home or office. There are computer kiosks in every airport, hotel, library, and in many coffee shops, but beware when using public computers. Any computer that you do not own, or control should be treated as if it is infected with viruses and other malicious programs and should never be trusted. If you must use a computer other than your own, follow these few simple rules:
Mobile users demand high connectivity in today’s world, often at the price of security. Requiring Internet access at the airport, public buildings, and restaurants, users will easily sacrifice a secure connection for a fast and reliable one. Many people like to work or study at coffee or book shops because they offer comfortable seating and free Wi-Fi but be careful. There are risks.
The more you know about how to make secure transactions when away from your home or office computer, the less likely it is you will encounter problems.
One American Bank has taken strong measures to ensure the security and safety of your account and its overall online banking system. By staying alert to potential security threats and keeping in mind the suggestions listed above, you can help us keep online banking extremely safe and secure. Follow the good practices and use the knowledge we’ve provided here, and you will be much more prepared to enjoy the conveniences of online services with peace of mind!