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 The
banks themselves take every step they can to keep online
banking safe, but naturally the user also has their own
set of responsibilities in the process to make sure they
don't make it easy for anyone the chance of doing an harm!
The basics are common sence issues that everyone should
follow:
• Keep all your details,
such as username, account number, PIN and password a secret
and NOT disclose it to anyone and DON'T write it down and
leaving it where others can find it!
• It should be clear to
you if you are using your computer in a secure online environment.
Messages will appear. The address the in address bar should
read https:// (note the "s" at the end). In the
bottom right corner of your Internet Explorer browser window
you should be able to see the padlock like in the following
image 
• If using a computer in
a public place make sure no one can see what you are doing,
ALWAYS make sure you log out completely (do this when using
a personal home computer too)
• There are SPAM emails
that go around claiming to be from online banks asking you
to input your account details, the online banks would NEVER
ask you to do this.
• If you are ever unsure
about something then ask!
The
banks online banking sites are created with a number of
high security measures implemented:
• They use the highest
encryption (128 bit encrypted server), this converts all
your information into an encoded format before it is sent
over the internet so no-one is able to just "grab"
it and makse sense of it.
• Banks automatically log
you out if you are inactive on the service for a certain
length of time, such as 10 minutes. This is to cover you
if you forget to log out and leave your PC
• If you or someone else
makes a few attempts to log in to an account but enters
incorrect details everytime then the account will have access
disabled as a security measure. The account can be enabled
again but other verification will have to be made.
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