The 10 Habits
1. Use a Strong, Unique Password
Your banking password should be at least 12 characters, mixing letters, numbers, and symbols. Never use the same password as any other site.
2. Enable Two-Factor Authentication
Always enable OTP-based 2FA. This means even if someone steals your password, they still can't log in without your phone.
3. Never Bank on Public Wi-Fi
Coffee shop and airport Wi-Fi can be intercepted. Always use mobile data or a trusted home network for banking.
4. Log Out After Every Session
Always click "Log Out" — don't just close the browser tab. This invalidates your session token.
5. Check Your Statement Weekly
Review transactions regularly. Fraudsters often make small test transactions before larger ones.
6. Keep Your Browser & App Updated
Security patches are released regularly. Outdated apps have known vulnerabilities.
7. Use Official Bank Apps Only
Download only from the official App Store or Google Play. Search for your bank's official app and verify the developer name.
8. Never Share OTPs
No bank employee, government official, or support agent will ever ask for your OTP. If someone does, it's a scam.
9. Use a Dedicated Email for Banking
Keep a separate email address just for banking — don't use it for social media or shopping. This reduces phishing exposure.
10. Register for Banking Alerts
Register your mobile number with your bank for all transaction alerts, login alerts, and failed attempt notifications.