anvanith asked:

FTB Internet Banking and Bill Payment Services. FTB is a commercial bank in Cambodia.

MultiVuOnline asked:

PNC’S VIRTUAL WALLET(SM) TAKES ONLINE BANKING TO THE NEXT LEVEL Online Money Management Solution Built with and for Gen Y Makes it Easy to Save, Helps to Manage Spending and to Avoid Fees PNC Bank, a member of The PNC Financial Services, Group, Inc. (NYSE: PNC) has introduced Virtual WalletSM as a comprehensive money management and online banking solution for the next generation of banking customers, Generation Y. Virtual Wallet provides on-demand access to manage spending and saving in real …

Online banking completely changed the way we interact with banks and other financial institutions, to the way our fathers did. Online banking is a powerful “value added” tool to eliminate costly paper handling and teller interactions in an increasingly competitive banking environment. As the Internet continues to expand exponentially, banks and other financial institutions have increased their use of the Internet to deliver products and to enhance financial services, or simply to improve communication with customers.

However, the arrival of online banking has presented both an opportunity and a challenge for the banking industry. While it’s true that the Internet has the “potential” for safe and secure financial transactions, safe online banking relies very much on individuals for making good choices and decisions that will help them avoid costly surprises.

Here are some safety tips for online banking:

Protect Privacy:

Password is the key in protecting privacy as it opens the gate to one’s online bank account. Therefore it is critical to secure this vital piece of information. Password should never be too personal such as birth date, phone number, or social security number. A secure password is the one that is unique, and a combination of impersonal letters and numbers. The longer it is the better. Also, one should change password every few months or so.

Use Anti-Virus and Firewall Protection:

Anti-virus and firewall protection keep the computer and its data safe and secure. Especially for online banking, anti-virus software and firewall protection is a must. Ensure to get the best protection that is available in the market.

Beware of suspicious E-mail/Phishing:

Stealing personal information online is called “phishing”. In this practice, crooks may send malicious emails asking for credit card info, PINs (personal identification numbers), or passwords. However, these emails often contain a link that leads to fake sites designed to get compromising personal information. Therefore, if an email is suspicious, it is always safe to check with the concerned financial institution. Legitimate emails from a legitimate online bank will typically follow the same standards each time, and will never ask for password, PIN, or credit card information.

Protecting credit and debit cards:

One needs to be very careful with important items like a credit or a debit card. While online shopping can be quick, easy, and rewarding but can also be dangerous at the same time. Therefore, it’s wise to shop only at trusted merchants’ websites. Also, ensure that the transaction occur in a secured environment. One should look for the padlock icon at the bottom of the browser window. Typically, website address, or URL, should begin with https:// on any pages where one enters sensitive information. Lastly, it’s advisable that, for online transaction one should buy only from merchants that request the 3-digit security code from the back of your concerned card. It just gives extra assurance that the card is physically in one’s own possession during the transaction.

Choose a legitimate bank:

Choosing a legitimate bank is very important. Legitimate online banks will usually detail their security standards on their official web site. One has to figure out exactly what s/he needs from a bank. And, make sure the selected banks offer the same, and then quickly evaluate one’s options and choose the best bank account – that suits one’s need.

FDIC Insured Bank:

FDIC is an acronym for the Federal Deposit Insurance Corporation. It is an independent agency which is backed by full faith and credit of the United States government. All FDIC insured banks meet high standards for financial strength and stability. FDIC protects depositors against the loss of their insured deposits if an FDIC-insured bank or savings association fails. However, since the start of the FDIC in 1933, no depositor has ever lost a penny of insured deposits.

Accessing bank account from public network places:

Never leave a computer unattended once signed in to online banking. After completing the transactions sign out of online banking web site. Also, it is advisable to clear cache memory, and immediately close the browser. One should avoid sharing, disclosing, or providing bank card number, or password, to another party or website other than the bank or trusted merchants’ websites. Lastly, one should never save bank card number, or password, on a publicly accessed computer.

Conclusion:

Online banking can definitely be a convenient and a safe way to manage finances. However, no matter how secure the security system is, there will still be a hole in it. Therefore, necessary precautions have to be taken in order to ensure the safest experience. Also, never hesitate to get help from the financial institution, while at the same time one must also learn, and take advantage of the security features offered by the financial institutions.



By: iGOOnlineBanking

About the Author:

 Recently, there has been a steady rise in the number of people who use Internet banks.  The reasons why people use Internet banks will always tend to vary.  However, one of the primary reasons, why one might consider using an Internet bank, is because it has the potential to save you time. 

Visiting your bank will always cost some time and this might not always be convenient if you have a busy schedule.  With an Internet bank account, you can access your bank information from anywhere and at any time, providing of course, you have an Internet connection.  The service an Internet bank provides enables you to easily and quickly manage your bank account in a cost-effective way. 

This is because the majority of reputable Internet banks will provide their services for free.  Using an Internet bank, you can perform actions such as check your account balance, pay bills, transfer funds between accounts, and apply for a wide variety of Internet bank products.

When searching for an Internet bank, you should initially approach your existing bank to find out if they provide personal online banking services.  If they do provide such services, then you are likely to save even more time and money than you would if you chose a separate Internet bank. 

At this junction, it is also worth mentioning that all accredited Internet bank sites have encrypted connections that ensure the security of your personal data and financial details.  Therefore, it can be said that Internet banking is easy, fast, and secure.

 

 



By: Ken Charnly

About the Author:

slkrchck asked:


i just tried to create an online account and i think i may have put the wrong account number on the form. it wouldn’t validate me and i was kicked out. i supposed my enrollment did not take, so i tried to enroll again. it said i was already enrolled.

do i have to do this over the phone? often they will ask me to come to the branch and it’s very far and i work full time, besides. anyone ever have this problem?

another thing………they needed my ssn. i’m so uncomfortable giving this out ever, but does the bank absolutley need it? online even? i supposed i used it when i opened the checking account, but it’s been years really. i’ve forgotten.

MoonCalled6 asked:


Hello,
I was checking my online banking access a few minutes ago and noticed that there is a misc. debit in the amount of $50.00 listed that I have no idea what it is. It doesn’t list to where it is and I’m guessing it’s maybe some sort of bank fee. I’ve not made any withdrawals in two weeks and am worried that my account has been comprised somehow. I plan on calling the bank as soon as they re open after the holidays but I don’t know what to do until then.

I did make 2 separate deposits to that account yesterday but as far as I know, my bank has no fees for depositing over a certain amount or making more than one deposit on any given day. I’m the only one on the account and I’ve not misplaced the debit card or the checkbook, and I double checked every company (amazon.com, columbia house, various online bill pays, etc.) to make sure I wasn’t charged for something I didn’t order.

I just find it weird it’s for an even amount and listed as misc. debit. Any ideas? Thanks in advance!

Venice2046 asked:


I lend a friend a big amount of money but didn’t have any written record, except that the money was transferred from my bank account to her by internet banking. Now I am afraid that she might not pay back. Can that bank record hold her accountable?

 

The online bank is a wonderful thing. It has all the features of a traditional bank and also has some new features too. Hence people can use these features and simplify the way they handle their banking needs. Online banking services have thus given the power to human beings to operate at any time of the day as the websites operate 24 hours and 365 days every year.

The main features of online banking are many. The ability to check your accounts from anywhere makes the online banking feature amazing. The requirements are simple as these websites do not need any special type of software and are also quite simple to operate. They come with useful features like paying bills online and also acquiring bank statements without going to banks as these statements can be downloaded online.

There are not many differences in terms of functionality when it comes to online banking. The services that they offer are the same which are available in banks but the major difference is that these transactions do not require people to stand in counters and wait in a queue. All they have to do or normally do is to access the website of the bank and with just a few clicks of the mouse and few pushes on the buttons, you get to know many things. These things can be the amount of money that they have in their account, or making payments or even buying items with the help of the online shopping feature present in some of these websites. Then there are also services like management of loans and keeping specific financial history for individuals. Online banking services have thus been a boon rather than a bane and have entirely changed the way people now perceive banking services.

The world of online banking is a very big one with the inclusion of nearly all the features of a typical bank. Hence these services include deposits like special savings account, security deposit, fixed term deposit and also loans as well as investments and also insurance. Then there are also features like Demat accounts and NRI services. The websites provide all the important information relating to these services. This information include things like the features, the benefits, the required documents and also the provision for applying online. Hence taking the example of a service such as a fixed term deposit, all the information that is needed is available on the website. Therefore users can get to know about the different tenures as well as the vivid types of plans and also whether withdrawal in partial amount before the completion of the time period is allowed. They are also given a detailed list of the terms and the conditions which are necessary to be followed if a person is interested in opening a fixed term deposit.

There are features like applying online for these various kinds of services and also information about the interest rates as well as the benefits. For a person interested in acquiring a fixed term deposit (FD) has the choice to go to different bank websites and use their online features. Hence he does not have to go to the bank and get bombarded with multiple opinions and incorrect information about the procedure to have a FD. He can take advantage of features like online access to his FD in order to have information on things such as the accumulated amount in his FD and also the remaining time period.

The effect of frauds and embezzlement is nullified when the user avails of online banking services. These online accounts are extremely safe with individual passwords for individual customers and also there are a number of tracking and safety network software which are instilled in the functioning of these websites. Hence the change is dominant in banking as it is in all other forms of human activity and online banking is here to stay.

 



By: Addi

About the Author:

There are many reasons why people choose to use Internet online banking.  However, the primary reason why one should consider using an Internet bank is because online banking can save you both time and money.  If you are considering online banking, then you should first approach your existing bank to find out if they also provide Internet bank services. 

This is because many accredited literal banks also offer personal online banking to their clients.  There are also a variety of Internet banks online that deal specifically in online banking.  Just by typing the appropriate keywords in a good search engine, you will be presented with a long list of Internet banks that you can choose from.  It is vital to ensure that you choose an Internet bank that has a track record of competence and good customer service.

Moreover, you should consider choosing online banking if you find that you never have time to visit your bank during opening hours.  This is because online banking will enable you to access your account from anywhere and at anytime provided you have an Internet connection. 

With an Internet bank service, you can perform miscellaneous banking actions such as checking your account balance, ordering paper bank statements, transferring funds between accounts, paying bills, and applying for online banking products and services.  It is also worth mentioning that accredited Internet banks have encrypted connections, which ensure the security of your personal information and financial details.  You can obtain online banking for free since most Internet banks provide their services free of charge.

 



By: Ken Charnly

About the Author:

Deanie asked:


I can no longer pull up my accounts which I formerly accessed through bookmarks