precautions while using internet banking

Check your accounts regularly. Look for transactions you don t remember making or recognise. If in doubt, note the details and report it to our helpdesk immediately on 0845 456 1454. The helpdesk lines are open from 10.00 to 17.00 on Monday, and from 09.00 to 17.00 Tuesday to Friday. Outside of these hours you can leave a voicemail message, which will be picked up on the next working day.

Always log out after using internet banking by selecting the log out menu option and never leave your computer unattended while you re logged in to the service. Online banking is an electronic payment system that enables customers of a financial institution to conduct financial transactions on a website operated by the institution, such as a retail bank, virtual bank, credit union or building society. Online banking is also referred as Internet banking, e banking, virtual banking and by other terms.

Do not save encrypted pages on your hard drive. It is standard practice not to save encrypted pages in your browser. This ensures that other users of the same computer cannot access these pages when you are finished with them. You can check and if necessary change the security setting for your browser.

Clearing your web browser cache forces the browser to load the latest versions of web pages and programs you visit.We automatically instruct most browsers not to store your personal information in the cache (memory).As this may be affected by the type of browser you use, always clear the cache yourself . For more information about clearing your cache the following links to external websites may be of help. However we accept no responsibility or liability for the content, accuracy or availability of any external site you may encounter.

We recommend you check that you have the necessary secure (SSL) connection with Triodos Bank.With Microsoft Internet Explorer the secure connection with Triodos Bank can be checked as follows: 1. in the address line HTTPS appears instead of HTTP. The S stands for secure 2. select Properties from the File menu 3. next to Connection it says SSL x.y, where x.y = version number 4. select Certificates for information about the certificate assigned to Triodos Bank (or double click on the padlock in the browser status bar).

Virtual Keyboard has been developed as a measure against viruses that trace pounded keys. It allows access by using the mouse only, without using the keyboard. To access a financial institutions online banking facility, a customer with Internet access would need to register with the institution for the service, and set up some password (under various names) for customer verification. The password for online banking is normally not the same as for telephone banking. Financial institutions now routinely allocate customers numbers (also under various names), whether or not customers have indicated an intention to access their online banking facility. Customers numbers are normally not the same as account numbers, because a number of customer accounts can be linked to the one customer number. The customer can link to the customer number any account which the customer controls, which may be cheque, savings, loan, credit card and other accounts. Customer numbers will also not be the same as any debit or credit card issued by the financial institution to the customer.

To make banking transactions safer, a single use log in PIN to be used to access TEB E Banking is sent to the customers registered phone number via SMS. It generates a personal and single use PIN that cannot be known by any party other than the customer and that cannot be used again. The PIN that arrives via SMS is valid for 3 minutes and once the time is over it is de validated. This way, secure access to TEB E Banking anywhere is assured and all that is needed is a mobile phone.

You need a username and a password to log in to TEB E Banking. When the access is made with your username and password, you will be asked for the PIN at the second stage. To access online banking, a customer would go to the financial institutions secured website, and enter the online banking facility using the customer number and password previously setup. Some financial institutions have set up additional security steps for access to online banking, but there is no consistency to the approach adopted.

Personal message and personal picture is applied as a security measure. This way, after the customer types the username and password, and before entering PIN , can check if the picture and the message that comes out actually belongs to him or her and make sure that she or he is connected to TEB E Banking and not elsewhere.

You can determine the days when you wish to use TEB E Banking and prevent access on any other day or time. The precursor for the modern home online banking services were the distance banking services over electronic media from the early 1980s. The term online became popular in the late 80s and referred to the use of a terminal, keyboard and TV (or monitor) to access the banking system using a phone line. Home banking can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank.