网上银行安全吗?? 是的，但也有一些最佳做法
Paying attention to a few details can go a long way toward boosting your online banking security.
网上银行可以大大简化你的生活, allowing you to make a mortgage payment or check an account balance anywhere with just a few clicks. But ignoring online banking best practices can leave you vulnerable to hacking. Follow these online banking safety tips to help keep your digital financial life simple and secure.
使用复杂且强的密码
One of the best ways to protect your online account is to create a complex password. 这将有助于防止黑客或 数据泄露. 不要使用字母和数字序列(例如.g.， abcdefg, 123456)或键盘模式(e.g., qwerty). 完全不相关字符的随机集合, 包括大写字母和小写字母, 数字和特殊字符是最好的. One idea is to choose a phrase or mantra ("Travelmorethisyear19") or song lyric and add a unique numeric code ("Storyofmylife75!"). 偶尔更改密码, especially if your financial institution announces that hackers have stolen credentials from some users and never use the same password you've used somewhere else.
双因素身份验证
当你在银行注册双因素认证时, you need both a password and a special code to access your accounts. That may be a text message or a mobile app that gives you an access code every time you try to log in to your account. 为你的笔记本电脑和智能手机也设置密码. 手机钱包 以数字形式存储信用卡和优惠券. They allow you to make purchases, apply discounts and use coupons either online or in-store.
定期检查你的网上账户
Make an appointment on your calendar to regularly check your accounts for debits or transfers you don't recognize. You can also sign up for text or email alerts about suspicious activity, 网上交易或购物超过一定的门槛. Some transactions have a time limit to report unauthorized transactions. By monitoring your account frequently you can notify your bank quickly to resolve any disputes.
谨防网络钓鱼诈骗
网络罪犯变得越来越老练, spoofing your bank's logos and language to send emails that seem to be legitimate. These are commonly called phishing scams and they typically allude to a problem with an account that needs a fix — immediately. However, 一旦你点击了一个链接, you're directed to a fake site that asks for your username and password, which is where the hackers are able to nab your digital details. If you receive an email that looks suspicious or asks for personal information, 用你知道的正确的电话号码给银行打电话, 不是电子邮件里的号码，也不要点击任何链接.
如何安全地使用公共Wi-Fi
If you’re in a public spot such as a coffee shop and log in to that free Wi-Fi option, 黑客可以更容易地进入网络. Instead, use your cellular network or your smartphone as a hotspot for your computer. Or, wait until you’ve accessed your secure home network to dig into your bank account.
保持设备更新
Tech companies are constantly monitoring their software for weak spots or security breaches and often release updates to help fix those issues. 为自动更新设置您的设备. These updates improve the stability of your software and remove outdated features. By 保持设备更新 它使你的用户体验更好.
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