Personal Identification Number or PIN is a secret code that provided the Bank to their customers, so customers have the authority to transact. PIN is the key transaction security, especially through e-banking. The bank will identify its customers through the use of USER ID and PIN Internet Banking.
1. Never use the same PIN to meet the needs of non-financial and financial that you do through the web, such as-mail, online shopping, and other online subscription services.
2. Do not create a PIN that is a repetition of the User ID.
3. Do not use a PIN that can be easily guessed by others, such as phone numbers, date of birth, vehicle number or other personal data. Should choose a unique PIN number and not meaningful, the more random, the better.
4. Do not use a simple PIN number and sequential as 123,456 or PIN that is a repetition of such numbers: 111,111.
5. Never give your PIN (personal identification number) you are on others, including the people closest to you and even though the bank.
6. Do not record the PIN on paper or store it in writing that places others can read, for example: agenda or calendar. Do not write PIN or store it in computer hard disks, floppy disks, mobile phone or any other risky things.
7. If you use Internet Banking service, before entering USER ID and PIN, you must always ensure that you visit the site properly. Make sure that the internet banking page you are visiting really is the bank.
8. Change your PIN periodically using a PIN change service in the Administration menu on Internet Banking.
9. Change your PIN immediately if you feel that your PIN has been known to unauthorized people.
Doing Ethics in Internet Banking
In addition to easily use the Internet Banking facility, use any ethics you need to consider that the transaction can take place safely and comfortably. Here ethics applicable:
1. User ID and PIN should always be kept confidential. For that only you deserve to know. Even officials of Bank Customer Care though no right to know.
2. Be sure to logout to do every time you’re finished using Internet banking or when about to leave the computer, if only for a moment. This is to protect you from the possibility of another person after a computer user you can access your account information.
3. Don’t occasionally give details of your personal information in the form of sites like the following online quiz. Things in to keep your personal information can’t be caught by a bogus website.
4. Not advised to use Wi-Fi (hot spots in the area) in a transaction through internet banking, because the wireless network is not secured.
5. Protect your computer from viruses and other malicious programs. Make sure that the latest anti-virus software active on your computer.
6. Check your account and transaction you have ever done before in detail and routine. This is to ensure that no illegal transactions in your account. In addition, should also make a note, when your last login. Record the date and time you login to Internet Banking.