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What is Online Banking?

 

Online banking is the term used by banks to describe banking that is performed over the internet. Online banking has its advantages over traditional banking. The most logic of these is that you can do your banking anytime of the day without leaving your house. Other benefits include less paperwork and easy access to your bank balance.

To access online banking a user logs into the bank website using a username and pass code. Online banking sites must have strong security, along with ease of use for the customer.

Security is extremely important when completing financial transactions online. With the dishonest preying upon the honest, we must exercise extreme caution with our personal and financial information. However, most online banking services are legitimate services that can save your time and money. Consider the following tips to protect your information while taking advantage of the great benefits online financing has to offer.

 

 

Beware of Phishing Attacks

 

Phishing is a form of social engineering. Phishing (also known as carding or spoofing) attacks employ email or malicious websites to “fish” for users’ financial information, credit card details, and passwords. Normally attackers may send email seemingly from a reputable credit card company or financial institution that requests account information, often suggesting that there is a problem. When users respond with the requested information, attackers can use that confidential information to gain access to the accounts.

Phishing attacks use email messages and websites designed to look as if they come from a known and legitimate organization, in order to deceive users into disclosing personal, financial, or computer account information.

 

Some Important tips to avoid Phishing Attack

 

Canadia Bank sincerely requests that you read and implement the following instructions to protect yourself from Phishing.

 

1. Never respond to emails that request personal information

 

Canadia Bank or any of its representatives, never ask for your personal details through an email/phone. Nor will we ask for your password through any means, online or offline.

 

2. Always check the URL and the security certificate.

 

Canadia e-Banking service is hosted on a secured site https://www.canadiabank.info. When you click the login button do not forget to check the URL on the Address Bar. At anytime you can assure yourself of security by cross checking the security certificate. This can be viewed by clicking the lock icon on the status bar located at the bottom. Access to website of Canadia Bank Plc (www.canadiabank.info) or open your web browser then access to the website of internet banking system (https://www.canadiabank.info).

• Click on Internet Banking to go to the internet banking system of Canadia Bank. Three main points should be considered to make sure that you correctly access Canadia Bank internet banking system:

 

a) Make sure the URL is https://www.canadiabank.info

 

      

 

 

b) Click on the green key icon to see the information as shown in the picture below.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c) Click on “About SSL Certificates”

 

 

 

 

 

 

 

 

d) After click on “About SSL Certificates, ”the display screen below will appear.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3. Avoid using cyber cafes to access your online accounts as they may be infected with viruses, Trojans or spyware, which tracks your activity, or worse, compromise your security.

 

4. Keep your computer secure by installing and regularly updating anti-virus software(s). Scan your computer regularly with antivirus to ensure that the system is virus/Trojan free.

 

5. Keep your password top secret and change often

 

Please do not reveal your username and/or passwords to any person – not even Bank staff – either intentionally or otherwise. Periodically change your passwords.

 

How does Canadia Internet Banking protect you from Phishing?

 

The Bank, on its part, uses 128-bit Secure Sockets Layer (SSL) encryption technology certified by VeriSign on https://www.canadiabank.info to encrypt the information you send and receive online. This ensures that the information exchanged between your computer and the Bank's website is completely protected, and all details such as login username and password remain secret. For example, if you use Microsoft® Internet Explorer 7 to visit a website secured with an SSL Certificate that meets the Extended Validation Standard, IE7 will cause the URL address bar to turn green. A display next to the green bar will toggle between the organization name listed in the certificate and the Certificate Authority (VeriSign, for example).Another safe feature is the timed logout, which automatically terminates the session if it is not active for more than 15 minutes.

 

Password Best Practices

 

  • Enter your username and login password only in the space provided on the login page.

  • If you observe any abnormal or unusual changes, please make sure that you are accessing the correct site.

  • Do not provide your username and password on any page that appears when you click on some link received through email. Always type the URL in the address bar of the browser.

  • Do not store passwords on your computer in any format.

  • Change your Internet Banking password at periodical intervals.

  • Do not use short passwords and avoid repetition of characters.

  • Do not write down your password anywhere.

  • Make the password difficult for others to guess or crack, but easy for you to remember.

  • Always keep “auto complete option of your browser” off.

  • Avoid using computers at internet cafes to access Internet Banking, as they cannot be trusted for strong security. In case you use Internet Banking on an untrusted system, please change your passwords at a secure computer as soon as possible.

 

General Online Security

 

so that your information is protected as it travels across the Internet. Verify the web address begins with “https://” (the “s” is for secure) rather than just “http://.” Some browsers also display a closed padlock.

promising reward for providing your personal information or for updating your account details on the bank site.

Some sources may have hidden forms of spyware or viruses that compromise the security of your computer.

Never open attached files that have file extensions like .exe, .pif, or .vbs. Such files are usually dangerous.

Either shut down your PC or disconnect from the Internet.

of password protected websites when finished to prevent unauthorized access. Simply closing the browser window may not actually end your session.

We recommend that you avoid accessing https://www.canadiabank.info via a public/shared computers, e.g. cyber cafes etc. If you do, clear your browser's history after each session so that your account information is removed.

 

  • Only give sensitive information to websites using encryption

  • Do not be lured if you receive an e-mail/SMS/phone call

  • Avoid downloading program from unknown sources:

  • Do not open attachments sent through e-mails if you do not know the sender.

  • Do not keep your computer online when not in use

  • Always “sign out” or “log off”

  • Avoid using public computers or public wireless access points

 

General PC Security

 

• Update your software frequently to ensure you have the latest security patches. This includes your computer’s operating system and other installed software (e.g. web browsers, Adobe Flash Player, Adobe Reader, Java, Microsoft Office, etc.).

 

• Maintain active and up-to-date antivirus protection provided by a reputable vendor. Schedule regular scans of your computer in addition to real-time scanning.

 

• If you suspect your computer is infected with malware, discontinue using it for banking, shopping, or other activities that involve sensitive information. Use security software and/or professional help to find and remove malware.

 

• Use firewalls on your local network to add another layer of protection for all the devices that connect through the firewall (e.g. PCs, smart phones and tablets).

 

• Require a password to gain access. Log off or lock your computer when not in use.

 

• Use a cable lock to physically secure laptops when these devices are stored in an untrusted location.

 

 

What you should consider

 

• Add Canadia e-Banking to your List of Favorite Sites: We recommend that you bookmark / add to your favorites the URL: https://www.canadiabank.info in order to access information and transact on your account with Canadia Bank.

 

• Change your Password periodically: We recommend that you change your password regularly, at least every 30 days or so.

 

• Always check the last log-in date and time in the post login page. If you suspect someone has logged into your internet banking account, please contact the bank immediately.

 

• Proper Logout: Log out from Canadia e-Banking every time you complete your online banking activities. Do not close your browser directly without a proper log out.

 

• Please ensure that “https” is used while logging in. ‘s’ indicates that this is secured site. You will always see a lock at the bottom right corner of your computer, indicating secured site. If you do not see this lock symbol, check if your website address is correct.

 

• Keep your Internet Banking Passwords Confidential: We assure you that Canadia Bank or any of its representatives never sends you emails/SMS or calls you to get your personal information, passwords or one time SMS/RSA (high security) password.

 

• Disable the "Auto Complete" function on your browser: If you are using Internet Explorer, turn off the 'Auto Complete' function on your browser to prevent your system from remembering passwords. To disable the "Auto Complete" function:

 

- Open Internet Explorer. Select Tools => Internet Options => Content (Tab)

- Click on Settings Button under Auto Complete section

- De-select User Names and passwords on forms check box & Click on "OK" or

- Open Firefox. Select Tools =>Options => Security (Tab)

- De-select Remember passwords for sites on check box and click on “OK”

 

• Using the following will improve your internet security:

 

- Newer version of operating system with latest security patches.

- Latest version of Browsers (IE 7.0 and above, Mozilla Firefox 3.1 and above, Opera 9.5 and above, Safari 3.5 and above, Google chrome etc.)

- Firewall is enabled.

- Antivirus signatures applied

 

 

• Clear your browser's History: Clear your browser's history after each session so that your account information is removed, especially if you have used a shared computer to access Internet Banking on https://www.canadiabank.info

 

Below are the lists of steps on how to clear your browser's cache, or you can use your browser's Help section

 

Firefox 3.5 for Windows

 

1. Choose "Clear Recent History" from the "Tools" menu

2. Select "Details"

3. Ensure that the "Cache" option is checked and select the "Clear Now" button

4. Close window

 

Microsoft Internet Explorer 8.0 for Windows

 

1. Choose "Internet Options" from the "Tools" menu

2. Select the "General" tab

3. From the "Browsing history" section, select "Delete" button

4. From the "Temporary Internet files" section, select "Delete files" button

5. Deleting cached files may take a while. When the browser is done, select "OK"

 

Firefox 2.x for Mac OS

 

1. Choose "Preferences" from the "Firefox" menu

2. Select "Privacy" icon from the menu

3. From the "Private Data" section, select the "Clear Now" button

4. Ensure that the "Cache" option is checked and select "Clear Private Data Now" button

5. Select "OK" to close the window

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