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Safe Banking Happens With SECURE BANKING

Talking Points • Frauds – A Growing Menace • Secure Banking – Cheque • Secure Banking – Cash • Secure Banking – Fake Currency • Secure Banking – ATM/Debit Card • Secure Banking – Credit Card • Secure Banking – Online Transaction

Frauds – A Growing Menace • ATM FRAUDS are on the rise and it is not only the celebrities who face the problem as thieves rob everyone they can deceive. Recently, in Bangalore Rs 75000 was spent by fraudsters from two debit cards that belonged to software engineers! • Estimates show that Rs 8.2 crore is lost annually in India due to credit card fraud • A recent Parliamentary panel says online banking frauds causing losses of Rs 5.90 crore were registered in 2009, an indication of the increasing pace with which fraudsters are using technology to dupe the public. • Source: The Economic Times, Merinews.com, IBNlive, Oct 2011

CHEQUE DOs • Whenever you receive your cheque book, count the number of cheque leaves as well as check the cheque numbers on the leaves. If you find any leaves missing, bring it to the notice of the bank immediately • Remember to cross your cheque whenever applicable and prevent it from being misused • Write “a/c payee” on a cheque and cancel out “ the bearer” part if applicable • Always draw a line through any unused space • Record all details of cheques issued • When you cancel a cheque, cross out the MICR band and write "CANCEL" across the face of the cheque

CHEQUE (Continued) DON’Ts • Always keep your cheque book secure • Do not sign on blank cheques and hand them over to anyone claiming to be from the bank or any other organization. Always fill in the date, the name of the receiver and the amount before signing the cheque • Do not write/sign/mark /pin/staple/paste/fold on the MICR band

CASH • Do not fold or staplecurrency • Avoid writing anything on currency. Keep the water mark clear • Never take help from strangers at ATM or Branch cash counter for counting the notes • Hand over cash only to the teller • After withdrawing money, count the notes in front of the teller. If there’s any shortfall, take it up with the teller/branch official immediately • According to RBI, a customer has to point out and challenge any discrepancy in amount inside the bank premises

FAKE CURRENCY • According to RBI guidelines, if a fake note is detected by a teller when a customer deposits money, the bank advises him to file an FIR. • All banks have to file an FIR and the central bank if they stumble upon fake notes at any of the centralized currency chests Notes passed through a machine and sorted into 3 chambers CENTRALISED CHEST CHAMBER 1 – Fresh Notes CHAMBER 2 – Used, Re-issuable Notes CHAMBER 3 – Soiled, Discarded Notes Fake notes handpicked & handed over to RBI

FAKE CURRENCY (Continued) • If a customer, after withdrawing money, finds a fake note in the wad, he/she has to bring it to a branch official’s notice immediately • According to RBI guidelines, the bank cannot be held liable once the person leaves the premises

ATM / DEBIT CARD • Do not share ATM PIN with anyone • Memorize the PIN (personal identification number). Do not write it down anywhere, and certainly never behind the card • Ensure that no one sees you enter your PIN • Do not take help from strangers to withdraw cash from ATM

ATM / DEBIT CARD (Continued) • Ensure that while keying the PIN, the keypad is covered from the top. This is to prevent any capture of the PIN number using a camera • After completing your transaction, secure your card and cash immediately. Always count your cash before leaving the ATM area and not outside • Do not leave your transaction record at the ATM • Do not forget to take your debit card after transaction

ATM / DEBIT CARD (Continued) • Change your ATM PIN frequently • It is your right to privacy while using the ATM machine. Ensure no one is crowding around you while transacting • Make sure that you press the 'Cancel' key after completing the transaction

ATM / DEBIT CARD (Continued) • Look for suspicious attachments. Criminals often capture information through ATM skimming – using devices that steal magnetic strip information • At a glance, the skimmer looks just like a regular ATM slot, but it’s an attachment that captures ATM card numbers. To spot one, look out for an attachment that slightly protrudes from the machine and may not be parallel with the inherent grooves. Sometimes, the equipment will even cut off the printed labels on the ATM. The skimmer will not obtain PIN numbers • However, to get that, fraudsters place hidden cameras facing the ATM screen. There‘s also the helpful bystander (the criminal) who may be standing by to help you by saying “the machine has had problems” and offers to help

ATM / DEBIT CARD (Continued) • If you lose your card/if it’s stolen, report it to the bank immediately via PhoneBanking • Block/Hotlist the card via website immediately • If your card get stuck in the ATM, or if cash is not dispensed after having keyed in a transaction, register the complaint with the security guard immediately and inform the bank via PhoneBanking • Complaint forms are available with the ATM security guard. Fill in the form and drop it inside the complaint box • Do not use unmanned ATM

CREDIT CARD • If you lose your credit card, please report the loss immediately via PhoneBanking and Block/Hotlist the card on the website • When you dispose of a card at the time of renewal/upgrade, please make sure to cut it diagonally before disposal • Keep your card in a safe place. It is more valuable than cash • Please do not hand over the card to anyone, even if he/she claims to represent the bank • Please ensure the card is swiped in your presence • Please be wary of promotional scams. Identity thieves may use phony offers to get you to give them your personal information

CREDIT CARD (Continued) • Be careful when providing personal information online. Never give out your personal or account information to anyone you do not trust. Please make sure that you verify a business's legitimacy by visiting its website, calling a phone number obtained from a trusted source, and/or checking with a reliable resource. • Transact only on secured websites & websites that are certified by Verified-by-Visa or MasterCard SecureCode • Ensure that the three digit CVV no. (card verification value) on the back of the card is blurred or erased

ONLINE TRANSACTION • Always look for secure session indicators like https:// and padlock [picture] on web sites that require personal information • Use an updated anti-virus software and firewall software • You should only communicate information such as credit card numbers or account information via a secure website or the telephone • Ensure that your browser is up to date • If you have given out your bank account information, report the theft of this information to the bank as quickly as possible • Never click on hyperlinks within emails, verify the URL independently before typing it on the browser

ONLINE TRANSACTION (Continued) • Never reply to emails that seek personal information • Never respond to offers of money from abroad • Never respond to/ make remittances/ participate in schemes or offers from unknown entities • Do not reply to emails or Phone text (SMS) messages claiming that the recipient has won a substantial sum of money in an online lottery or promotion • Avoid filling out forms in email messages that ask for personal financial information • Don't use the links in an email, instant message, or chat to get to any web page if you suspect the message might not be authentic or if you don't know the sender

Thank You! 18

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