How to Protect Yourself from Online Fraud – Security Tips
Your nonpublic personal information is the most valuable asset online. While Hanmi Bank continuously looks for ways to strengthen online protection and security, we recognize that you are the most knowledgeable and reliable when it comes to suspecting possible fraudulent activities on your account. To avoid being a victim of fraud, always reconsider before providing sensitive information online.
Encourage yourself to adopt these security tips to protect yourself anywhere online:
- Create strong passwords by including special characters such as * and @ so your password is not easily compromised by unauthorized persons.
- Change your passwords periodically, and immediately, when you suspect that your password or account has been compromised. Do not use one password for multiple accounts. Using a one-fits-all password increases the likelihood for the imposter to hack into various accounts if they possess your user identifications.
- Update your contact information to Hanmi Bank when you move or change your phone number. Immediately notify us of your new contact information so we maintain your up-to-date changes in our records.
- Monitor your accounts regularly because no one can detect suspicious transactions or activities on your account as well as you can. Remember to review your account statements on a monthly basis to be able to make claims of fraudulent and unauthorized charges appearing on your account within a reasonable and mandated period varied by the financial institution or company.
- Browse vigilantly online to protect your personal and financial information from being exposed to criminals and unwanted/unnecessary parties. You are the ultimate decision maker. Do not provide any information to suspicious sites. If at any point you do not feel comfortable and deem that the site is unnecessarily requesting your sensitive information, do not continue.
- Refrain from entering sensitive information when using: public WIFI, public/shared computer, a wireless router without password protection, and any other devices other than your own. Always make sure that you are using a secure network that is password protected before entering your user ID and password. If you are unfamiliar with the environment, do not proceed. Always be cautious and verify to whom you are exposing your information to before providing your identification to prevent identity theft. When you are using Mobile Banking, consider your WIFI auto-connect settings.
- Notice the website as https:// on the address bar before entering any information, even your email. The “s” from https:// indicates that the webpage is “secure” and the sensitive information you provide such as your name, account number, social security number, ID and passwords will be encrypted as a security measure. Always verify and determine if the information you reveal is being delivered to secure channels and legitimate sources. Again, if you are uncertain about the site you are visiting, take precaution and do not proceed.
- Protect your devices with passwords so your phone, notebook, tablet, and computer do not easily expose the inside content of your stored data. Try not to “safe-keep” user ID and passwords on your phone and other devices as they may be compromised if you lose the device. The best way to secure sensitive information is by memorizing them. Be aware of the traces you may leave behind if an unexpected event, like losing your device, should occur.
- Monitor your credit report annually to detect, if any, unauthorized events by the use of your social security or tax identification number and other nonpublic information. You can also register for additional identity protection services. Please refer to the Identity Theft section for details to the three credit bureaus.
These are general security tips to practice when online. If you have additional questions regarding security tips, please contact our electronic banking department via telephone at (213) 427-4277, via U.S. Mail at 3660 Wilshire Blvd #1000, Los Angeles, CA 90010, or visit one of our branches in person.