Internet Banking

Personal | Corporate

Apply for a New Account

  • OGP FAQ
  • Login FAQ

FAQ on (OGP) Online Generation Passwords:

  1. What details are mandatory to generate login / transaction passwords online?
  2. How can I register mobile number and email address?
  3. If I use ATM PIN for online resetting of my NetBanking password, will the ATM PIN get disabled/reset?
  4. What happens if I have entered incorrect OTP 3 times?
  5. Is there any limitation on the number of times one can use Online Password Generation?
  6. Are there any charges for using Online Generation Password facility?
  7. When the password will be expired, if it will be generated online.
  8. If ATM PIN is locked after three wrong attempts, how can I unlock?
  9. If my ATM/Debit Card is locked, will it work here?
  10. What is format of the passwords?
  11. I am not getting OTP (One Time Password) on my mobile. Please let us know what to do?
  12. I have not registered mobile number. Can I get OTP on email address?
  13. If I will enter three times wrong ATM PIN while Internet Banking Password generation, what will happen and then what to do?
  14. I forgot only Login Password. I remember my Transaction Password. I want to change my login password only. Is it possible?
  15. I forgot only Transaction Password. I remember my Login Password. I want to change my Transaction password only. Is it possible?
  16. I am NRI Customer. Can I generate my Internet Banking passwords online?
  17. I am NRI customer. If am not able to get OTP via mobile, can I get OTP via email? How can I inform the Bank that I need OTP via email?
  18. What is time limit of OTP?
  19. If I will receive OTP after time limit, then what to do? Do I need to start again?
  20. Can I get OTP on Mobile and Email at a time?
  21. I have more than one ATM/Debit Cards linked to one account. Can I use any card to generate of passwords?
  22. I am joint account holder with primary account holder. Can I generate my password online? What is basic requirement for joint account holder?
  23. I am joint account holder with primary account holder. I have not given application for Internet Banking at Branch. Can I directly generate Internet Banking password via this facility?
  24. I have generated passwords via online few days back. But today my ATM/Debit card is blocked, will I be able to use Internet Banking?
  25. I have generated passwords via online few days back. But today my ATM/Debit card PIN is locked after three wrong attempt at ATM, will I be able to use Internet Banking?
  26. I have applied for Internet Banking passwords at Branch. But later on, I was able to know that I can generate passwords online also. Will I be able to able to generate password, in case I have requested? Which password will work? Will physical process be processed?
  27. If my mobile is stolen or lost, what do I need to do? Can anybody generate my password with help of OTP from my mobile?
  28. Can I directly go to online to generate passwords without Internet Banking request?
  29. Can I generate passwords from mobile browser? Is it secure?
  30. I don’t have Mobile Number or Email Address. Can I generate passwords online? How can I apply for passwords?
  31. I have changed my SIM but my mobile number is not changed. What will be impact on this facility? Do I need to inform the bank?
  32. Can I use the same login password for Mobile Banking also?
  33. Can I use my verified by visa passwords of my debit card here?
  34. How many times I can generate passwords online in a day?

 

 

What details are mandatory to generate login / transaction passwords online?

Customer ID, Valid and Active ATM/Debit Card Number, ATM PIN, Mobile Number and Email Address.

top

How can I register mobile number and email address?

You can register your mobile number/email ID by visiting your nearest Dhanlaxmi Bank branch.

top

If I use ATM PIN for online resetting of my NetBanking password, will the ATM PIN get disabled/reset?

No. Your ATM PIN will not get disabled/reset after using the Online Password Generation facility.

top

What happens if I have entered incorrect OTP 3 times?

For security purpose, your current session gets closed. You have to again initiate the process of Online Password Generation.

top

Is there any limitation on the number of times one can use Online Password Generation?

No, there are no limitations. Online Password Generation is the facility of online resetting of NetBanking password. This facility enables the customer to access his/her account instantly incase they have forgotten their NetBanking password.

top

Are there any charges for using Online Generation Password facility?

No. Online Generation Password facility is FREE of cost.

top

When the password will be expired, if it will be generated online.

180 days.

top

If ATM PIN is locked after three wrong attempts, how can I unlock?

If ATM PIN is locked at ATM then it will be unlocked automatically after 24 hours.

top

If my ATM/Debit Card is locked, will it work here?

No. You have to give a request for new ATM/Debit Card at Branch or Customer Care.

top

What is format of the passwords?

Minimum 8 and Maximum 15 Characters, Minimum one lower case alphabet, one UPPER CASE alphabet number and special character like @ , # ; * . ! :

top

I am not getting OTP (One Time Password) on my mobile. Please let us know what to do?

Please call our customer care on +91 0487 6613000 / 1800 425 1747 or send an email to customercare@dhanbank.co.in

If your mobile number is not registered, then you need to visit the branch to update your mobile number.

top

I have not registered mobile number. Can I get OTP on email address?

Yes, you can select email while OTP mode option will be shown during online generation of passwords.

top

If I will enter three times wrong ATM PIN while Internet Banking Password generation, what will happen and then what to do?

ATM PIN will be locked. It will be unlock automatically after 24 hours. You cannot use the debit card at ATM or for Online Generation of passwords.

top

I forgot only Login Password. I remember my Transaction Password. I want to change my login password only. Is it possible?

No. While generating passwords, you need to reset login and transaction passwords at a time.

top

I forgot only Transaction Password. I remember my Login Password. I want to change my Transaction password only. Is it possible?

No. While generating passwords, you need to reset login and transaction passwords at a time.

top

I am NRI Customer. Can I generate my Internet Banking passwords online?

Yes

top

I am NRI customer. If am not able to get OTP via mobile, can I get OTP via email? How can I inform the Bank that I need OTP via email?

Yes. While generating passwords online, you can select mode of sending OTP as Email. Your valid email id should be registered with the Bank.

top

What is time limit of OTP?

4 mins. Within 4 mins of receiving the OTP, OTP needs to be entered in OTP Field.

top

If I will receive OTP after time limit, then what to do? Do I need to start again?

OTP will not be validated, if it will be received limit due to any network issue at operator end or your mobile is not reachable. You need to start the process again.

top

Can I get OTP on Mobile and Email at a time?

No

top

I have more than one ATM/Debit Cards linked to one account. Can I use any card to generate of passwords?

Yes. Any ATM/Debit Card of an account of your customer id can be used.

top

I am joint account holder with primary account holder. Can I generate my password online? What is basic requirement for joint account holder?

Yes. Joint Account Holder’s mode of operation of linked account should be JOF (Joint Or First) OR JOO (Joint Or Others)

top

I am joint account holder with primary account holder. I have not given application for Internet Banking at Branch. Can I directly generate Internet Banking password via this facility?

No. You need to submit CRF (Channels Request Form) at Branch. Your Login ID (Customer ID) shall be required to register for online access.

top

I have generated passwords via online few days back. But today my ATM/Debit card is blocked, will I be able to use Internet Banking?

No. Valid and Active ATM/Debit Card is required.

top

I have generated passwords via online few days back. But today my ATM/Debit card PIN is locked after three wrong attempt at ATM, will I be able to use Internet Banking?

Yes. You can use net banking passwords. But you cannot generate new passwords. You need to wait for 24 hours to ATM to be unlocked automatically. Post that you can generate passwords online, if you need.

top

I have applied for Internet Banking passwords at Branch. But later on, I was able to know that I can generate passwords online also. Will I be able to able to generate password, in case I have requested? Which password will work? Will physical process be processed?

Yes, password can be generated. Later generated passwords will work. Generally, we request the user to generate online.

top

If my mobile is stolen or lost, what do I need to do? Can anybody generate my password with help of OTP from my mobile?

No. Because Customer ID, ATM/Debit Card Number and ATM PIN is also required apart from Mobile. If your Mobile is stolen or lost, please call our customer care to de-register the same.

top

Can I directly go to online to generate passwords without Internet Banking request?

No. You need to submit CRF (Channel Request Form) at Branch.

top

Can I generate passwords from mobile browser? Is it secure?

Yes. Browser is transmitting data via Secured Socket Layer and we have two factor later authentication like ATM/Debit Card Number-PIN and OTP.

top

I don’t have Mobile Number or Email Address. Can I generate passwords online? How can I apply for passwords?

No. You need to visit Branch and submit Service Request Form.

top

I have changed my SIM but my mobile number is not changed. What will be impact on this facility? Do I need to inform the bank?

No. As long as your Mobile Number is not changed, you need not to inform the Bank.

top

Can I use the same login password for Mobile Banking also?

No. Mobile Banking has separate login details. Login ID (As Customer ID) is same but MPIN to be used for login in Mobile Banking.

top

Can I use my verified by visa passwords of my debit card here?

No. Online Debit Card Password is different.

top

How many times I can generate passwords online in a day?

There is no limit to generate passwords online in a day.

top

 

Given below are the various messages that might appear when you are unable to login. 

  1. Who is eligible for NetBanking facility?
  2. What happens when I login for the first time in NetBanking.
  3. Is there any fee or charge for this service?
  4. What features are provided in NetBanking?
  5. If I open a new Term Deposit via NetBanking, where it will be opened?
  6. What is the meaning of online transactions?
  7. How can I set up Standing Instructions?
  8. Whether my transactions affect my account instantly?
  9. How can I know that my transaction has been completed?
  10. How can I use NetBanking safely?
  11. What should I do if I forgot my password?
  12. What could be the possible reasons if I am unable to login? 
  13. How can I change my password?
  14. I am getting the message “Sorry, Account Locked for User" or “Your NetBanking ID is locked”. What do I do?
  15. I am unable to use my old or new password. What should I do?
  16. How can I lock or disable or deactivate my NetBanking ID?
  17. What are the measures I can take to ensure greater security?
  18. How to construct a good and safe password?
  19. What are the hardware and software, I need to access Dhanlaxmi Bank Internet Banking?
  20. Can I use a Laptop to access Dhanlaxmi Bank Internet Banking?
  21. What is the recomended browser?
  22. How to check if a web page is secured?
  23. What should I do if my Internet Explorer hangs frequently?
  24. How do I clear my browser cache?
  25. What is 128-bit Secure Socket Layer?
  26. What is the difference between 40-bit encryption and 128-bit encryption?
  27. What is my role in enhancing security of my online banking experience?
  28. How is my information transmitted safely over the Internet?
  29. What is a Digital Certificate and how does it help to ensure security?
  30. Can other people view my personal information when I am using the Internet?
  31. There is a 'Java Script Error' on my computer. What should I do?
  32. I am experiencing slow response when accessing Dhanlaxmi Bank Internet Banking. What is wrong?
  33. How can I recognise a scam e-mail?
  34. What is phishing?
  35. What is a worm?
  36. What is Money Mules?
  37. How does the Fraudster operate?
  38. How do you protect yourself from becoming a money mule?
  39. What is a firewall and how does it protect my information?

 

 

Who is eligible for NetBanking facility?

All Dhanlaxmi Bank Savings and Current account holders with below types can access their account through NetBanking.

  • Single Account holder (SOW - Sole Owner)
  • Joint Account holder (JOF - Joint Or First, JOO - Joint Or Others) can avail the NetBanking facility
  • HUF Account holder can access NetBanking subject to consent from all members of HUF
  • * Minor account holder is not eligible for Retail Internet Banking

top

What happens when I login for the first time in NetBanking.

After a successful login system will display the last login date and time. For a new user last login date and time will not be displayed and the system will automatically prompt for a change of password.

top

Is there any fee or charge for this service?

No. Currently, we offer NetBanking free with all accounts. However, all minimum balance/deposit amount requirements of the relevant accounts will need to be honoured.

top

What features are provided in NetBanking?

The following are Internet Banking features available with Dhanlaxmi Bank NetBanking.

Widgets

  • Account Summary
  • Deposite Summary
  • Loans Summary
  • Credit Card Summary
  • Bill Summary
  • Messages and Alerts
  • Customisation Widget

Account Information

  • Check your account balance
  • Details of your Accounts
  • See your mini statement or detailed statement
  • Download your statement in PDF or Excel sheet
  • Details of Unclear Funds

Term Deposits

  • Request for a new Term deposit
  • Request for a new Term deposit under existing Term Deposit
  • Inquire about your Term details
  • Inquire about your TDS details

Loans

  • See your loan statement
  • Inquire about your loan details
  • Loan Repayment

Funds Transfer

  • Pay Maintenance (Add / Delete / Modify Payee)
  • Transfer funds between your accounts (Pay Now / Schedule / Standing Instruction)
  • Transfer funds to a third party within Bank (Pay Now / Schedule / Standing Instruction)
  • Transfer funds to a third party to another Bank via NEFT (Pay Now / Schedule / Standing Instruction)
  • Transfer funds to a third party to another Bank via RTGS (Pay Now / Schedule / Standing Instruction)
  • Payment History
  • Standing Instruction / Pay Later Review

Bill Payment

  • Add a Biller
  • View Presented Bills
  • Pay Presented Bills
  • Pay Payment Type Bills
  • Delete Billers
  • Subscribe for E-mails and SMS Alerts

Credit Cards

  • View Credit Card Details
  • Credit Card Payment

Standing Instructions

  • Create standing instructions
  • Modify standing instructions
  • View standing instructions
  • Delete standing instructions

Rates

  • Forex Card Rates
  • Interest Rates

Service Request

  • Checque Book Request
  • Stop Cheque Request
  • Change Login and Transaction Password
  • Debit Card Request - Hotlist/Block
  • Debit Card Request - Reissuance Card
  • Debit Card Request - Reissuance ATM PIN
  • Service Request Status

My Mailbox

  • Inbox
  • Outbox
  • Compose

Online Enquiries

  • Inquire about cheque status

top

If I open a new Term Deposit via NetBanking, where it will be opened?

Your Term Deposit will be opened at branch of your source account.

top

What is the meaning of online transactions?

We have designed the NetBanking service in such a way that it takes your requests and acts on them immediately. All transactions that will affect your balance, are done automatically by the system. For example, Fund Transfer, Stop Payment instruction, Term Deposit request.

top

How can I set up Standing Instructions?

By Setting Standing Instruction, it allows you to transfer funds between own accounts or to a third party account on at predefined frequencies. On that particular day fund will be transferred from source account to destination account, provided sufficient balance is available in the source account.

top

Whether my transactions affect my account instantly?

Yes

top

How can I know that my transaction has been completed?

After successful completion of your request the NetBanking system gives you a transaction reference number, which you may use for all future communication regarding the same.

top

How can I use NetBanking safely?

You can be assured of complete privacy when you use Dhanlaxmi Bank's NetBanking facility. We have built several checks to safeguard your NetBanking transactions. Before you gain access to your account, you will be asked to enter your unique NetBanking Id and Password to verify your identity. 

When you bank with us on the Internet, you are always in a secure zone. To ensure the security of your transactions, we use a technology called Secured Socket Layer (SSL), which involves scrambling of the information between you and the Bank. If an unauthorised user tries to access your account by keying in various combinations while trying to guess your password, your account will automatically get locked. Moreover, when you log-in to NetBanking, your last login date and time will be displayed so that you can make sure that nobody has accessed your account.

In addition to these online security features, we have in place a dedicated team to monitor the access to the web server and to prevent unauthorised access.

What should I do if I forgot my password?

Please Generate Password Online.

top

What could be the possible reasons if I am unable to login? 

There could be various reasons : 

  • The password is case-sensitive and may not have been entered in the same lower or upper case as mentioned in the IPIN envelope sent to you. 
  • The account has not been accessed for more than 90 days. 

top

How can I change my password? 

To change your password, please follow the instructions given below:

  • Go to NetBanking Login area and key in your NetBanking Id and password. The password is case-sensitive.
  • Please key in the same lower or upper case as mentioned in the PIN envelope. 
  • After you have logged in, you can change your password using the "Change Password" option under Other Services.

top

I am getting the message “Sorry, Account Locked for User" or “Your NetBanking ID is locked”. What do I do?

Reasons you could be locked out for:

  • You have not used the NetBanking facility for more than 90 days
  • You have entered the wrong password three (3) times 
  • If the password has been forgotten, then we have no choice but to regenerate it. 

top

I am unable to use my old or new password. What should I do?

This is possibly because: 

  • You have not keyed in the new password correctly OR 
  • After Three unsuccessful attempts, access to NetBanking has been disabled for security reasons.
     
  • Generate password online or fill the request form for password regeneration available at nearest branch and submit to the branch.

top

How can I lock or disable or deactivate my NetBanking ID? 

We require a written instruction from you to block your NetBanking account. After receiving the request at the branch, your NetBanking ID will be deactivated within 2 working days.

You can yourself lock your NetBanking ID by entering wrong passwords three times.

top

What are the measures I can take to ensure greater security?

  • You should log-out from the NetBanking when leaving your PC.
  • Always change your password continuously, and change them regularly; avoid obvious passwords (names of family members, pets, favorite musician etc), and don't tell anyone else your passwords. 
  • You should not write a password down on any paper which may be easily accessible to anyone. 
  • Put in a power-on password in your machine so that nobody else can switch on your machine. 
  • Have a screensaver password so that when you are away from your workstation nobody else can access it.
  • If you think someone knows your password go online and change it immediately. Avoid using the services from cyber cafe or browsing centers. 
  • If you are using the Internet in a cyber cafe or browsing centers do not leave the PC unattended, and ensure that no-one is watching what you type, Logoff from NetBanking upon completion of your session.
  • Use the Logout button to Logout so that the session closes and don't shut the window to Log off. 
  • You should consider running a Personal Firewall, which will prevent unauthorised persons from accessing your computer and guard against the introduction of malicious programs onto your PC. 
  • Please remember to logout of NetBanking application after you have completed your transactions.
     

top

How to construct a good and safe password?

  • While creating passwords, use a phrase made of many words (“Pass Phrases”) instead of passwords. A pass phrase is often easier to remember than a simple password, as well as longer and harder to guess.
     
    e.g. Pr0ui)1ND!@n
     
    Pass Phrases are simple phrases like "I like to travel in" which is easy to remember.
     
    I1!k32tr@v3L!n 
     
    Take the first letter of each word of the sentence that you've created to create a new, nonsensical word.
     
    1. Pick a multi word phrase.
    2. Use some upper and lower cases letters
    3. Change some letters to be numbers
    4. Mix some Non-alphanumeric characters
  • Create your password long: 10 characters is good, 14 characters or longer is ideal and 15 characters is excellent. 15 is really desirable for high-level security, because 15 is a special number in Microsoft Windows.
  • Do not use same password which you have used on some other online accounts or emails accounts.
  • Take the first letter of each word of the sentence that you've created to create a new, nonsensical word.
  • Substitute some special characters: You can use symbols that look like letters, combine words (remove spaces) and other ways to make the password more complex. Using these tricks, we create a pass phrase of "MySon 9N i$ 5 yeeR$ old" or a password (using the first letter of each word) "M$9ni5y0".
  • Avoid the below while creating the passwords
     
    1. Avoid sequences or repetitive characters
    2. Avoid use of online storage of passwords
    3. Avoid to use your login name as password
    4. Avoid to use look-like replacements
    5. Avoid to use dictionary words in any language

top

What are the hardware and software, I need to access Dhanlaxmi Bank Internet Banking?

We recommend the following:
Computer with 500MHz processor or higher
64 MB RAM or higher
Internet connection of 28.8 kbps or higher

The following operating systems:
Windows 98, NT, 2000, XP
The following browsers:
Microsoft® Internet Explorer 5.XX and above

top

Can I use a Laptop to access Dhanlaxmi Bank Internet Banking?

Yes, as long as the notebook meets the recommended system requirement.

top

What is the recomended browser?

We recommend that you use: Internet Explorer Version 6.0 and above

top

How will I know if a web page is secured?

There are two general indications of a secured web page:

  1. Check the web page URL
    Normally, when browsing the web, the URLs (web page addresses) begin with the letters "http". However, over a secure connection the address displayed should begin with "https" - note the "s" at the end.
    Try it! - Visit our home page (http://www.dhanbank.com). Note the URL begins with the "http" meaning this page is not secure. Click the link of login button to login. Notice the change in the URL. It now begins with "https", meaning the user name and password typed in will be encrypted before sent to our server.
     
  2. Check for the "Lock" icon
    There is a de facto standard among web browsers to display a "lock" icon somewhere in the window of the browser (NOT in the web page display area!) For example, Microsoft Internet Explorer displays the lock icon as mentioned below of the browser window:
    In Internet Explorer 6: Lower right
     

    Click (or double-click) on it in your Web Browser to see details of the site's security.


    This is important to know because some fraudulent web sites are built with a bar at the bottom of the web page to imitate the lock icon of your browser!

top

What should I do if my Internet Explorer hangs frequently?

If you encounter problems while accessing Internet Banking using Internet Explorer, you may need to upgrade your browser or update it with the most recent fixes from Microsoft to keep it running smoothly. Keeping your browser updated is also likely to protect your computer better as the latest fixes and patches will also address known security weaknesses.

top

How do I clear my browser cache?

To clear your browser cache:

  1. Internet Explorer
  2. Go to "Tools"
  3. Go to "Internet Options"
  4. Select "General"
  5. Click on "Delete Files" at "Temporary Internet files"

    top

What is 128-bit Secure Socket Layer?

SSL stands for "Secure Sockets Layer". It is a protocol designed to enable applications to transmit information back and forth securely. Applications that use this protocol inherently know how to give and receive encryption keys with other applications, as well as how to encrypt and decrypt data sent between the two. SSL has been universally accepted on the World Wide Web for authenticated and encrypted communication between the customer's computer and servers.

Some applications that are configured to run SSL include web browsers like Internet Explorer and Netscape, email programs like GroupWise, Outlook, and Outlook Express, FTP (file transfer protocol) programs, etc. These programs are automatically able to receive SSL connections.

To send an SSL connection, however, or to open a secure connection, your application must first have an encryption key assigned to it by a Certification Authority. Once it has a unique key of its own, you can establish a secure connection with every other application that can "speak" the SSL protocol.

top

What is the difference between 40-bit encryption and 128-bit encryption?

40-bit and 128-bit refer to the size of the key used to encrypt information. To use the lock and key analogy, the greater the number of keys, the more difficult it is to find the correct key to fit into the lock that protects the information. Therefore, the larger the size of the encryption level, the more difficult it is to find the right key to unlock the information.

top

What is my role in enhancing security of my online banking experience?

  1. Always ensure your PC is updated with latest anti-virus and operating system patches.
  2. Install personal firewall and anti-spy ware to protect your PC from internet attacks.
  3. Always change your online banking passwords periodically say every month.
  4. Review credit card & bank statements regularly and report any irregularities to the bank.
  5. You report any suspicious or fraudulent e-mail/sites to the bank immediately.
  6. Always read the online security tips provided by the bank from time to time.

    top

How is my information transmitted safely over the Internet?

Web browsers use standard security protocols like SSL, and S-HTTP to enable private information to be transmitted safely over the Internet. When you visit a Web site with the SSL protocol, a secure connection is created between your computer and the Web site server you are visiting. Once this connection is established, you can transmit any amount of information to the Web server safely. In contrast, the S-HTTP is designed to transmit individual messages.

top

What is a Digital Certificate and how does it help to ensure security?

Digital certificates are issued by certification authorities to authenticate a Web site or elements of Web sites. The certificate identifies the originator of the site, or element, and verifies that it has not been tampered with. When your Web browser is presented with a certificate, it will check to see if a legitimate certification authority issued the certificate. If there is a match, your session will continue. Otherwise, your browser will issue a warning and your safest action is to cancel your activity.

top

Can other people view my personal information when I am using the Internet?

If a secure session is established and the information is encrypted during transmission, then others will not be able to view your information. However, you should be aware that some Web browsers will store information on your computer even after you are finished conducting your online activities, this is called caching. Therefore, you should close your browser once you are finished using the Internet, particularly if you visit secure sites to conduct financial transactions, check account balances or view any other information that you regard as private and confidential.

top

There is a 'Java Script Error' on my computer. What should I do?

Double click on java script and check the error message. Take screenshot along with java script error and send the same to netbanking@dhanbank.co.in

I am experiencing slow response when accessing Dhanlaxmi Bank Internet Banking. What is wrong?

The slow response that you are experiencing could be due to the following:

  1. You are not using the recommended browser, operating system and hardware.
  2. Your Internet Service Provider, Local Area Network or our system is facing intermittent slowness.

    top

How can I recognise a scam e-mail?

Without using additional measures such as a digital signature, it is easy for fraudsters to imitate e-mails. But that doesn't mean you can't recognise scam e-mails. Cyber-criminals often place alarming, enticing or exciting subjects in their e-mails with the hope of tempting you to respond impulsively and divulge the requested information. So, always take your time to read the e-mail carefully. In case of doubt, it is better not to respond. If you do choose to respond, always first check that the mail is genuine by contacting the company that is the apparent sender by telephone, for instance.

top

What is phishing?

'Phishing' refers to the practice of fraudsters 'fishing' for your details in order to find out and misuse sensitive personal and financial information. Criminals may, for instance, make identical copies of existing corporate websites, or send scam e-mails to elicit a response from you and trick you into divulging your personal information.

top

What is a worm?

A worm is a virus that does not infect other programs. It makes copies of itself, and infects additional computers (typically by making use of network connections) but does not attach itself to additional programs; however a worm might alter, install, or destroy files and programs.

Melissa:

The Melissa Worm, also known as "Mailissa", "Simpsons", "Kwyjibo", or "Kwejeebo", is a computer worm that also functions as a macro virus, hence making it a "multipartite virus".

Code Red:

The Code Red worm was a computer worm released via the Internet on July 13, 2001 affecting computers running Microsoft's Internet Information Server (IIS) web server. The programmers at eEye Digital Security who reported it named it after both the Mountain Dew soft drink and the phrase "Hacked By Chinese!" (see Red Scare) that it propagated. The worm exploited vulnerability in the indexing software distributed with IIS and did several things: * It defaced the affected web site to display:*: "H

top

What is Money Mules?

By phishing or other means of customer identity theft, the fraudster harvests customer NetBanking credentials i.e. NetBanking ID and IPIN(Password) with a motive to transfer money from customer account to another account holder of the same or different bank. The beneficiary account holder is referred as a "Money Mule". The beneficiary becomes accomplice unknowingly by social engineering techniques employed by the fraudster.

top

How does the Fraudster operate?

These fraudsters generally operate from across a country other than where the fraud is to be committed to keep themselves away from local law enforcement agencies. They either maintain anonymity or use fictitious identity to commit these frauds. Fraudsters launch their attack using social engineering techniques by contacting the prospective money mules either by sending emails, in chat rooms, job search websites or through internet blogs. Fraudsters lure the prospective money mules to share their bank account details by telling them a fake story and convincing them to receive money in their accounts. Fraudsters also offer a part of their money or commission and persuade them to unknowingly act as money mules. 

Fraudsters then transfer money from the bank customer account whose NetBanking ID and IPIN (Password) has been harvested either by means of phishing or through other means of identity theft. Money Mule is then directed by the fraudster to retain commission and transfer balance money either through wire transfer or to an account of another money mule by means of online transfer or cash deposit thereby forming a chain of fraud. Such money transfers would ultimately lead to funds transfer into fraudster's account thereby maintaining anonymity. When such frauds are reported the money mules become the target of law enforcement agencies as their bank accounts are used and their identity is established. 

top

How do you protect yourself from becoming a money mule? 

The fraudster may cook different stories, however his motive will be to convince you to share your bank account details, receive money and act as per his directions. Do not respond to email from strangers asking you for your bank account details. For any overseas job offer, confirm the identity and contact details of the company offering the job to you. They may have hosted a company website to make it look authentic, but there may not exist any company at all in reality. Do not get carried away by attractive offers or prizes. 

top

What is a firewall and how does it protect my information?

One of the security mechanisms we use to protect our systems and your information is called a firewall. Our firewalls use a combination of industrial strength computer hardware and software that is designed to securely separate the Internet from our Internal Web servers, computer systems, networks and databases. During your secure online sessions with RBC Web sites, firewalls prevent unauthorized Internet traffic from entering our Web servers, systems and network.

top


 

 

 

 

 

 

 

Copyright© 2010 - Dhanlaxmi Bank Ltd. All rights reserved.
Site best viewed in Mozilla Firefox 15+, Chrome 15+, IE 8+ and Safari 5.0+ at 1024 x 768 pixels resolution.