Online banking with banks like Chase is more secure than ever before, but that doesn’t mean there aren’t still risks. Hacks, fraud, and poor user security are still major risks. Some people still don’t feel logging into online banks because of them. However, there’s a lot you can do to ensure that you stay safe and secure while using Chase’s online banking to log into your account. Here are a few practices to keep in mind.
Keep your details to yourself
No matter who it is, you should never share your bank account details. This includes your chase.com user ID, your password, and any verification methods you may have set up. There are a lot of sites that offer help with taxes and accounting that will ask to log into your account on your behalf. Never ever use those that require you to hand over your bank details. Be aware that no Chase employees will ever directly ask you for your account details, either. If you lose money because you’ve allowed unauthorized activity on your account or shared your details, you are responsible for it. If you’ve already shared such information, you should change your login information through the Chase.com Customer Center.
Turn on two-step verification
Two-step verification is an added safety feature that takes extra precautions in ensuring you are who you say you are when you use your online bank account. Chase.com has a two-step verification method that’s easy to turn on. When you log in, you’ll be prompted to confirm your identity. You can choose to receive a verification code via text, voice call, email or even by calling up yourself. Do this every time you log in from a new device.
Secure your computer
There are viruses and spyware that can steal your account details right from under your nose. Security software is essential in stopping all malware threats. Install an antivirus and firewall software on your computer as soon as you can. There are plenty of free options out there like AVG or Windows Defender, but it’s worth investing in premium security if you use a computer to handle sensitive financial information like your bank account. Make sure you keep your security software turned on and updated. Don’t use any unsecured device and don’t sign in from an unsecured network, either.
Stay in touch
Chase.com provides Account Alerts that will track your finances and give you any heads-up on account use that they suspect might be unauthorized or is otherwise suspicious. You can sign up to get these alerts by text, email, or phone. If you ever suspect there’s been unauthorized activity, then you should get in touch with Chase as soon as possible, too. It’s a good idea to keep an eye on your credit reports at least once a year, too. The three major credit agencies offer a free report every year and they can be a good way of tracking charges you might otherwise miss.
The security of your account relies just as much on the banking institution as it does on you. However, with the tips above, you can make any use of your online account significantly safer.