- Personal Finance
Fraud Will Happen To Your Bank Account
Hackers and thieves are not one to mess with. They will drown your entire bank account in an instant if they get ahold of any information you have. It's messed up and horrible and we all know this. We can prevent it from happening and we can also find a solution after it happens. Depending on who you bank with, they will redeem the money back you have lost. This could take several days or maybe weeks. It's a stressful situation to be in and you think you have lost that money forever. If your bank says you will get your money back, then you will. Don't worry, let me help you with the steps on what you have to do to prevent this from happening and what to do if it happens.
The first thing you need to do is to check your bank account once a day. This could be in the morning before work or after work. Monitor your transactions frequently. If you notice anything odd, you might be a victim of fraud. Calm down and call your bank right away. Let them know that it wasn't you that made that transaction. How do these hackers do this? Well they can track anything you do online if you are not smart about the way you do it. I'll mention later on how to prevent this from happening to you.
When you are on the phone with the bank, make sure you talk to a person not a robot on the phone. Preferably someone in the fraud department. Explain to them that you were not in that place of time. Tell them you want your current debit/credit card shut off and you would like a brand new card sent to you. Make sure this new card has a new number, expiration date, new code on the back of it, etc. You may also have the option to be sent a new pin number. Most of the time, the new pin number will take longer to come in. What if you have direct deposits coming out with in that week? Well you can keep the same pin number and just wait a few days for the new card to come in. You can then change that pin number by going to your bank or doing it online.
Speaking of banking online, most log ins have a two step authorization login. You need to set that up. It will be harder for hackers to login to your bank account online. Usually the two step authorization will send you a different code to your phone to login. Sometimes there's also security questions that you can set up when you login. Make sure you turn all of those on so you can have a secure login. After you are done checking and ready to log out, be sure to close your browser completely before doing anything else on your phone/computer/tablet.
Never let anyone know how much money you have!
Always clear your browsing history. Some browsers will give you the option to clear it automatically when you exit out of your browser each time. This will be harder for hackers to track and monitor your logins. If your lover has trust issues, well sorry but paying bills and preventing from losing all your money is more important. If your lover is that concerned, then they have issues.
Change all your passwords. You need to do this to every account you have online rather it is social media, bank accounts, etc. If they hacked your bank account, they might hack another account that you have. Better safe than sorry. Change your passwords everything three months or so. Being a victim or fraud is messed up but losing your money can be more terrible. We need money to live unless you want to go completely off the grid.
Have you ever been a victim or fraud?
© 2018 Brittany Banks