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Supervisar las cuentas en línea

Supervisar las cuentas en línea

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Online banking and digital account management offer unparalleled convenience, allowing you to oversee your finances with near real-time precision. This immediate access is crucial for detecting and thwarting unauthorized activities before they inflict significant damage. Here's a streamlined approach to fortify your financial accounts:

Fortify Your Digital Defenses

  • Robust Passwords: Craft unique, strong passwords for each account and update them regularly to complicate unauthorized access attempts. Consider employing a password manager to generate and store complex passwords securely.
  • Stay Alert to Security Notifications: Be vigilant about security alerts regarding potential data breaches. If there's a suspicion your data might be compromised, promptly change your passwords.
  • Maintain Up-to-Date Antivirus Software: With cyber threats constantly evolving, keeping your antivirus software updated is critical to defending against the latest malware.

Proactive Monitoring and Security Measures

  • Diversify Your Passwords: Use distinct passwords for different accounts. This way, if one service is compromised, your other accounts remain secure.
  • Credit Monitoring: Regularly check your credit reports and scores for any unusual activity that could indicate identity theft, such as unauthorized credit card applications.
  • Credit Locks and Freezes: Consider placing a lock or freeze on your credit reports with major credit bureaus (Equifax, Experian, TransUnion) to prevent new accounts from being opened in your name without verification.
  • Mind Your Mail: Don't overlook physical mail. Be wary of unexpected credit cards or bills which could signal identity theft.

Enhancing Online Banking Security

  • Embrace Online Banking: If you traditionally bank in person, setting up online banking allows for diligent monitoring of transactions and early detection of unauthorized access.
  • Utilize Account Alerts: Activate account alerts to be promptly informed about any activity, enabling swift action against fraud.
  • Exercise Caution on Public or Unknown Computers: Avoid accessing your accounts from unsecured or public computers to prevent potential security breaches.
  • Check Your Login Activity: Regularly verify your account's last login date to ensure no unauthorized access has occurred.
  • Opt for E-Statements: Switch to electronic statements to reduce the risk of sensitive information being intercepted from physical mail.

Smart Online Practices

  • Be Cautious with Work Computers: Understand that employers can monitor computer usage, which might inadvertently expose your personal financial information.
  • Secure or Shred Physical Statements: If you receive paper statements, either store them securely or shred them after use to protect your account information.
  • Educate Yourself on Banking Security: Stay informed about your bank's security measures and best practices for safeguarding your online banking experience.

Guard Against Scams

Be skeptical of unsolicited calls or messages asking for sensitive information. Legitimate institutions will never request your password or security codes over the phone.
Familiarize yourself with common scams, such as fraudulent calls or texts from entities posing as your bank, to better recognize and avoid them.

Here is an example of a common scam designed to access your online accounts:

  • Recibe una llamada o un mensaje de texto de alguien que dice ser del departamento de fraude o seguridad de su entidad financiera.
  • Si se trata de una llamada telefónica, el identificador de llamadas muestra el número de su institución financiera (porque ha sido falsificado para que coincida). Los mensajes de texto pueden indicarle que llame a su institución financiera a un número diferente.
  • Te alertan sobre posibles fraudes o transacciones sospechosas en tu cuenta. (No las reconoces porque son inventadas). 
  • Piden múltiples datos de verificación, como el nombre de soltera de su madre, el nombre de usuario de la banca online o la contraseña. (Las instituciones financieras no llaman y hacen múltiples preguntas de identificación).
  • Es posible que le digan que ha habido un acceso no autorizado a su cuenta en línea y que necesitan verificar verbalmente su contraseña en línea. (Las instituciones financieras nunca le pedirían su contraseña en línea).
  • Si no consiguen la contraseña, hacen numerosas preguntas de seguridad. (Utilizan las respuestas para acceder a tu cuenta). 
  • Cuando nuestro sistema de prevención de fraudes en línea solicite información de verificación adicional, el defraudador también la pedirá.
  • Te dicen que te envían un código de seguridad de un solo uso para poder "ayudar a restablecer la información de tu cuenta". (En realidad, el código lo envía tu entidad financiera como medida de seguridad para proteger tu cuenta de accesos no autorizados).
  • Te piden que leas el código de seguridad de un solo uso "que te acaban de enviar". (Tu entidad financiera nunca te pediría los códigos de seguridad de un solo uso verbalmente por teléfono).
Don't share the code! If you provide this code, the fraudster has full access to your account. They can set up a transfer and drain the funds within minutes using digital payment services in Online Banking.

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