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Fraud Awareness

Internet has revolutionized the way online users can shop and avail services like Online Banking from anywhere, anytime without physical presence. For Online Banking we use Secured Java Applet and Security Gateway technology that provides Triple-DES encryption to protect all your data transmitted over the Internet. From the moment you log-in to the time you log-out, all information is protected by strong end-to-end encryption; i.e. from your PC browser to the Bank's system. This also gives an opportunity for fraudsters to use internet as medium to commit frauds. It is important for online users to be aware of such frauds and protect themselves against them.
 

Security Tips

Protected by the most stringent security systems, our NetBanking allows you to transact over a completely secure medium. All your transactions travel via 128-bit SSL encrypted medium, the highest level of security on the internet. The servers are protected with firewalls that make unauthorized access impossible. Dhanlaxmi Bank has best of the breed security solutions backed with robust processes in place to extend secure NetBanking services to its customers. Each customer is, provided with a NetBanking ID and Password. Your password is generated in such a way that it is only known to you. Here are some additional steps that you as a user can take to ensure that you are taking the necessary precautions.  

Security Measures

Protected by the most stringent security systems, our NetBanking allows you to transact over a completely secure medium. All your transactions travel via 128-bit SSL encrypted medium, the highest level of security on the internet. The servers are protected with firewalls that make unauthorized access impossible. Dhanlaxmi Bank has best of the breed security solutions backed with robust processes in place to extend secure NetBanking services to its customers. Each customer is, provided with a NetBanking ID and Password. Your password is generated in such a way that it is only known to you. Here are some additional steps that you as a user can take to ensure that you are taking the necessary precautions.  

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Caution against remittance towards fictitious offers/ lottery winnings and cheap fund offers from abroad

RBI has cautioned the members of public not to fall prey to fictitious offers / lottery winnings / remittance of cheap funds in foreign currency from abroad circulated by certain foreign entities / individuals, including Indian residents acting as representatives of such entities / individuals.  These entities make offers through letters or e-mails of huge amounts of money in foreign currency on the pretext of helping the recipients in their business or ventures in India.
 
The fraudsters seek victims’ bank details under different heads such as deposits, processing fees/ transaction fees/tax clearance charges/ conversion chares, clearing fees etc. These offers are generally made through letters, e-mails, mobile phones, SMSs, etc.
 
Remittance in any form towards participation in lottery schemes is prohibited under Foreign Exchange Management Act, 1999. These restrictions are also applicable to remittances for participation in lottery-like schemes operating under different names, such as money circulation scheme or remittances for the purpose of securing prize money or awards.
 
It is advised that all customers of the bank exercise due caution and be extra vigilant in their dealings.

Internet Banking Security Measures
  • Do not share your confidential details (ID, Passwords, Card Numbers, PINs, CVV and Card Expiry Date etc.) to anyone & do not store these information which can be accessed by public( Mail boxes/Behind your ATM Card)
  • Create very strong and complex passwords,change your Internet Banking password regularly and don't use the same password for other services.
  • Do not use public computers or unsecured Wi-Fi networks for Internet Banking transactions .
  • Always memorize your password or PIN and do not write it down or store it on your computer, Smartphone or tablet. You are responsible for keeping this information confidential. Do not share OTP (One Time Password) with anyone.
  • Keep your computer, Smartphone or tablet up-to-date with anti-virus, firewall software and the latest patches. Any computer, Smartphone or tablet connected to the Internet faces the risk of virus infection, so it makes sense to secure your computer adequately with licenced antivirus software.
  • Always log out from the Internet banking menu when you finish all your banking activities. Close your Internet browser after logging out at the end of each Internet banking session
  • Always access our website www.dhanbank.com by typing the address into the browser or keeping the address in your 'favourites' or 'bookmark' folder to reduce the risk of mistakes or deception.
  • Always login to our Internet Banking site by clicking on URL available at our corporate website (www.dhanbank.com).
  • Always verify the authenticity of the Bank's Net Banking webpage by checking its URL as https://netbank.dhanbank.in . In particular beware of Bogus Websites and Email Phishing.
  • Do not login to the internet banking site by clicking the URL received in e-mails. Beware of any unusual windows that 'pop up' during an Internet banking session and be very suspicious if it directs you to another website which then requests your customer identification or password
  • It is highly recommended to use the virtual keyboard while logging in to net banking because virtual keyboard is an additional precautionary measure and protects you against malicious key logger programs, which might have infected your computer.
  • Limit the amount of personal information you provide on social networking sites. The more information you post, it would be easier for the hackers to steal your identity, access your data or commit crimes.
  • Do not use your mobile device to store sensitive personal information or credentials of your Internet banking.
Mobile Banking Security Measures
Security features in Mobile Banking Services

  • Separate passwords for login and transaction
  • Password Expiry period –System will force user to change login and transaction password mandatory after specified period
  • User Expiry period – User ID would get disabled if user does not login for a period of 180 days
  • MPIN will be locked after '5' consecutive unsuccessful login attempts

Handset/ Mobile Browser Settings

  • Install anti-virus software on your mobile handset to protect against viruses. If already installed, then ensure its updations on a timely manner.
  • Download and run security updates and patches on your mobile browser. This helps in protection from known possible security problems.
  • Install a firewall on your mobile handset or enable the same if your handset comes with a firewall.
  • Remove all the temporary internet files after using mobile banking services.
  • Delete the browsing history of your mobile browser on a regular basis.

Emails/ Data/ Links/SMS from Unknown Sources

  • Do not open attachments or links from unknown sources. This helps in protection from viruses or other unwanted problems.
  • Type in the URL for mobile banking in the mobile browser, instead of clicking on any link. This will ensure access of the authentic website of the bank.
  • Ensure that Mobile banking app is downloaded from relevant App Store. (Eg: PlayStore for Android OS)
  • Update to latest version of Mobile banking app when ever it is available in relevant App store
  • Act with caution while installing any third party software on your mobile handset to avoid spyware. Do not install pirated software or software from unknown sources.
  • Delete spam messages.
  • Be aware of the potential for fraudulent SMS messages. The Bank will never request or invite customers to logon to its mobile banking service via a SMS message.
  • Check that the security padlock on your internet browser is “locked” to ensure the connection is secure and protected by SSL. You should also check that the URL starts from ‘https’ and not ‘http’.
  • The bank shall not be liable for any loss/damages due to any attempt from Mobile App run on the "Jailbroken" or "Rooted" Mobile devices.
ATM Safety Measures
Precautionary steps to be taken while using ATM’s

  • Never share your Personal Identification Number (PIN) with anyone. Do not keep a written copy of your PIN with your card. Always Memorize the PIN.
  • Avoid using ATMs which are not well illuminated
  • Beware of anything that looks unusual at the card reader slot. Watch out for additional devices, overlays on the ATM keypad or cameras overlooking the keypad. If you suspect any tampering report, it to the bank immediately.
  • Beware of shoulder surfers or strangers offering help. Use the Bank Helpline for any queries.
  • Wait for the ATM screen to tell you to key in your PIN.
  • Avoid detection of your PIN or other account information by standing close to the ATM. Always place your free hand over the key pad, while entering the PIN.
  • Change your PIN immediately, if you suspect it has been compromised. Also remember to change the PIN periodically.
  • Ensure that you collect your card before leaving the ATM. In case of a failed transaction, 'Cancel' the transaction and before leaving the ATM, ensure that ‘Welcome’ Screen is displayed in ATM.
  • Do not leave your transaction receipt at the ATM. Tear it off before discarding.
  • Verify the SMS and Email alerts sent to you for the transaction correctness. Immediately report any unauthorized transactions in your account.
  • Verify the transaction history periodically. Keep your receipts and check your statements regularly. Immediately report any unauthorized transactions in your account.
  • Do not disclose details like Card No., PIN, CVV, Expiry Date, Date of Birth, etc. to anybody, even though the caller may identify himself/herself as calling from Bank, RBI, etc.


Contact us
  • If your Credit Card / Debit Card gets stolen/lost.
  • If your card doesn't function and you need a replacement card.
  • Call our customer care on +91 0487 6613000, 1800 425 1747 or write to us at customercare@dhanbank.co.in to report unauthorized transactions

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