Online banking has come of age. The security systems are very high and the transactions are done through secured socket layer. The bank security is rarely breached.
The main problem with online banking is the computer at home, office or cyber caf where the transaction is done online, which creates the problem. Computers can be easily hacked and the passwords can be stolen by professional hackers. Computers with windows software are vulnerable. If a hacker breaches your computers security he can easily login to your internet banking account and misuse it. The bank wont be able to find whether you are using the computer or somebody else.
It is necessary that your computer is safe and has firewall and antiviral software installed in it. In most offices the security is very high and you wont be able to download any software, songs etc. If you cant download software etc to your computer then it is regarded as a safe place to transact online. Also, changing your password regularly is recommended. It is advised not to login to your online account from cyber cafs quite often as hackers can easily capture your user id and password. If you access your online banking account from cyber cafs then it is advised to change your password as soon as you can.
Never open an email, whose source you do not know. These emails could have virus, spyware or website links. Nowadays, there are many websites designed to look like banking websites. When you use your user id and password, it will capture it. These kinds of websites have started flourishing. This is called as phishing. So never open an unsolicited email.
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