Protect yourself online
In our view, there are a few key rules that offer the most protection online for the least amount of effort. They are not all the measures you can take, but they are an excellent start – and they apply equally to business owners and to private individuals.
Protect your password
Your password provides important protection to ensure that you can carry out online transactions in total security. However, to ensure optimum protection, the password should comply with the best practices for complexity listed below.
- Choosing a complex password: easy to remember but hard to be guessed, i.e. at least 10 symbols, including: Small and Capital Latin letters, numbers and special symbols (#, @, $, % …). Choosing a "strong" password protects against identity theft. Your password should not betrivial (do not repeat the same figure or series of figures) and should not be easy for a third party to guess (e.g. your birthday). Choosing particular letters from a specific text/sentence like favorite poem or personnel wording can be an option
- Using your password: only enter your code using on the secure login page of your online bank
- Change your password regularly and vary them
- Never disclose your password to anyone. Societe Generale Expressbank will never ask you for your password.
Log out when you have finished viewing your account
When you log in to the online banking service, a viewing session opens for your account. While this session is open, you can navigate from page to page and carry out certain operations without having to identify yourself again. While this feature is practical, it could allow someone using your computer to browse your account and carry out certain operations without your knowledge. It is vital to log out using the "Log out" button when you have finished viewing your accounts. It is not enough simply to close the page or the browser. Remember that Societe Generale expressbank will not be able to reject any transaction carried out during a session opened in your name.
Deactivate your browser's AutoComplete and Remember my passwords functions
Most web browsers offer to save the usernames and passwords you use in login forms as default settings, including your social networks’ accounts, emails and onlinebanking login details. The AutoComplete and Remember my passwords functions allows you to access your account at a later time without having to re-enter your username. While this is practical, the AutoComplete and Remember my passwords functions could help a person using your computer to access your account without your knowledge.
Secure your computer
Before browsing the Internet, you should protect your computer against potential malicious attacks with easy measures like:
- Make sure you have the latest software update and licensed software: From time to time, weaknesses are discovered in programs running on your computer. These weaknesses can be exploited by virus writers and hackers to gain remote access to computers. As such, publishers licensed will release 'patches' from time to time to correct these weaknesses. To check for patches and updates you should visit the publisher's website, typically their 'Download' section or better configure your computer to download automatically all security patches and latest updates when accessing Internet. Generally, the latest versions of an operating system family (like Microsoft Windows) or browser (like Internet Explorer, Firefox etc) is the most secure. Microsoft users can visit: http://windowsupdate.microsoft.com , which can automatically check what is required for both your operating system and browser and then download it at your request.
- Install licensed anti-virus software: you should install anti-virus software on your computer preferably licensed because this will guaranty you support in cases of virus infection and regular update against latest threats. Such software protects your identifying and blocking malicious software to be installed on your computer. Anti-virus software also checks the trustworthiness of the files you download from the Internet, copy from external drives on your computer or receive by email. The most important for your antivirus software is to continuously be up-to-date.
- Use firewall: A personal firewall is another option that helps you to protect your computer and its contents from outsiders on the Internet. When installed and correctly configured, it stops unauthorised traffic to and from your computer. There are many effective programs to choose from. Common commercial examples include Windows Firewall and Check Point Zone Alarm (free), McAfee Personal Firewall and Norton Personal Firewall. All operating systems comes with such personal firewall option and it’s only a matter of simple configuration efforts on your side which after will keep your Internet browsing safe.
- Implement Anti spyware program: Anti-spyware programs currently available include AdAware, Microsoft Defender (free), Spyware Blaster, Spy Sweeper and, Sunbelt Software Counter Spy. Again, be sure to visit the genuine site as there are many fake products claiming to protect your computer but which may actually infect it with viruses
Check the trustworthiness of the site you are on
Whether you are on a banking site or an e-commerce site, it is important to make sure that the site you are on is official and secure before entering your login details or carrying out any transactions with:
- Check the URL of the site in the address bar: a URL is the unique identifier for the web page you are on and is visible in your browser's address bar. By checking this address carefully, you will be able to tell if the site you are on is fraudulent, as its address will necessarily be different from that of the official site (e.g. www.sgeb.bg)
- Check the prefix of the address: any official Internet banking or e-commerce site will use secure communication protocols with its clients. If you are on a secure site, the URL will be preceded by "https" (instead of "http")
- Check the security certificate: the certificate is used to provide assurance thatSGEB institutional and e-banking web sites are the legitimate once. This is also verified via VeriSign Certificate, making in green color “SOCIETE GENERALE EXPRESSBANK AD” on your browser and protecting you from phising attacks
Block Spam email
Spam can be used to launch phishing attacks, inviting you to click on links that will then download malware to your computer or direct you to a fake website. If you receive any e-mail from an unrecognised source, you should delete it without opening it. You should also be able to activate a spam filter, which will automatically route all such mail to a separate inbox. Deleting unwanted spam without reading it will also protect you from most phishing e-mails. Societe Generale Expressbank will never send you an unsolicited e-mail containing a link to any of its logon pages. If you receive one, do not open it or download any attachment but call the bank to check the case and receive support.
Secure your WiFi (Wireless network)
A wireless network allows you to connect your computer to the internet without having to use a cable. It typically contains a wireless router, which uses radio signals to transfer data to computers within the network. Wireless routers come preset to very insecure settings to help many users connect to them at the same time and in most of the cases without even password protection –this also means that other people could sniff the traffic and access your internet account quite easily. For this reason, you should always consult your manual or online guide to find out how to connect more securely through the used by you wireless network – usually by protecting it with a password.
Take care offline
- Review your bank and credit card statements for any unusual transactions or withdrawals and notify the bank immediately if you suspect any discrepancies
- Tell us of any changes in your personal details (eg address change; mobile phone number; email, etc.)
- Keep your paper records safe. Store your bank documents in a safe place. Avoid sending them in an insecure way to third parties (e.g. email, left printed on public places, etc.). Always shred them when they are no longer required.
- If you plan to cancel a bank/credit card (or it expires), bring it back to the Bank to be cut in two through the account number and the magnetic strip.