Online banking: the hackers' tricks

Hackers are always looking to break into every platform that could provide them profit. They’ve developed several tricks to access your online bank accounts, but you can still be one step ahead of them.

Banks have many safety measures to protect their customers’ accounts from hackers. In spite of this, if you’re a victim of fraud and your money was stolen from your account, you’re protected by federal law. If this account isn’t under your business name and you’ve reported the crime within 60 days, the bank has to reimburse your funds.

Even though your funds are protected, you don’t want to go through the whole paperwork and face a lot of red tapes. There’s a much simpler way to avoid all this trouble: learn how most hackers’ tricks work and use this knowledge to stay one step ahead of them. Here are some of the most common scams when it comes to online banking.

Identity Theft

Personal data can be stolen in order to gain access to your online banking account. Hackers can steal your social security number or other personal data. With this data, they could manage to gain access to your personal accounts, even your online bank account. You can also be a victim of identity theft offline. Keep your eyes on your wallet and always destroy documents containing confidential data before throwing them away. 

Keylogging

Accessing your bank account on public networks can also be dangerous. Your movements on the keyboard can be recorded by cameras or software, which would give hackers all the information that you’re writing down. This means, that they’ll know your banking data if you’re logging on to online banking.

Phishing

This trick can provide the hacker with some sensitive information on your online banking account. It works through an email that contains a link and is sent to you. If you click on it, it may download software to your computer, which would gather your data. There’s also the chance that it’ll lead you to a website that looks like one of your online banks. Once you arrive, you’ll be tricked into giving your account information.

Pharming

This is the most complex scam. Here, the hackers manage to hijack the bank’s URL and they can redirect you to a similar homepage if you try to access your bank.

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