How to Stay Protected And Safe Online?
The invention of the Internet has simplified our lives, streamlining outdated processes across industries, including banking. Citibank, embracing digital transformation, prioritizes secure online financial transactions and the protection of customer information.
Updated On - 23 Sep 2025
Tips to Stay Protected and Safe Online
Follow the tips mentioned below to keep yourself protected and safe online:
- Keep a complicated password to your WiFi so that it will be harder for hackers to get access to your home WiFi.
- While banking online, avoid using public WiFi or public server. Avoid using public WiFi at all costs, even if a page is encrypted. When online banking, use a virtual private network, your cellular network, or the WiFi in your home to access the internet.
- Don't divulge your private details. Even if the caller seems authentic, if they ask you for personal information, hang up and call your bank at the number they have on record. Your bank will never call you and request your pin number, credit or debit card information, or the Credit Card Verification (CVV) code.
- You can send and receive payments from other people using a variety of online and mobile banking options. You shouldn't utilize online or mobile banking to send money to someone you don't know. These transactions carry risk, just like sending money to someone you don't know. You should only use online and mobile banking to transmit money to friends, family, or other trusted individuals.
- Regularly check your online banking account. Although banks are adept at spotting fraud, they might not always pick up on every shady transaction among every consumer. Regularly check your account to immediately identify any erroneous activity.
- Verify that any anti-virus software is current. It's a good idea to look into antivirus software and choose a dependable source. The installation of several antivirus programs can make your device slower. Ensure that inbound messages and files are scanned by your anti-virus software for viruses that could cause you problems.
Important Tips to Remember
- Disable the 'auto-save' option in your web browsers so that your usernames and passwords are safe. Manually enter your credentials when you login to Citibank site.
- Ensure that your laptop or computer has the latest antivirus version installed in it. Buy or download the antivirus/antimalware application from a reliable vendor and update the same regularly.
- Update your browsers and operating system at regular intervals.
- Install a firewall and latest anti-virus application to prevent any unauthorized access to the system. Ensure maximum safety while using public WIFI connections.
- Clear your browser's history and cache if you happen to use a shared computer after your transaction is completed.
- Always use a browser which supports a 128-bit encryption.
Etiquette and Tips to Keep in Mind While Making Online Transactions
- Your Citibank password should be changed at regular intervals.
- Never share sensitive and confidential information unless you are on a secure website. (Check padlock icon to view the certificate)
- If you ever suspect an unauthorised activity in your savings account, inform your bank immediately.
- Do not share your Citibank online banking Password (IPIN) with anyone.
- Use a strong alphanumeric password which is not easily guessable. Never use your phone number, birthdate or any other obvious detail in your password.
- Log off immediately after you complete your transaction on Citibank Online.
- Clear your browser history and cache regularly to ensure greater data security.
- Don't access your Citibank Online account using a shared computer or public WIFI.
- Avoid accessing Citibank Online from a public/shared computer.
- Login to Citibank Online regularly to monitor your transactions.
- Always close your device's browser when you are done with your transaction.
- Never respond to a telephone call, text message or email asking for your personal or financial details such as username, passwords, ATM PIN, IPIN, and account number.
- Check for the padlock icon on the bar at the bottom of your browser to make sure you are on a secure page before entering any information.
- Ignore popup windows asking your personal information or account details.
- If you come across a suspicious website, close the page immediately.
- Add the bookmark of Citibank website to your browser to quickly access the site.
How To Monitor Account Activity?
- Review your account activity on a regular basis. Login to your Citibank online account every week to monitor transactions done through your account. If you find any suspicious or unauthorised transaction done from your account, report the same to Citibank customer care.
- Subscribe to SMS alerts and email alerts to get regular updates on your activity.
- Consider electronic payment modes over cheque while paying bills or making purchases. This minimises the risk of exposing your account number and other details printed on your cheque.
FAQs on How to Stay Protected And Safe Online
- Is it safe to use public WiFi for online banking?
No, you should avoid public WiFi even if it looks secure. Always use your home WiFi, mobile data, or a VPN for safer transactions.
- What kind of information should I never share over phone or email?
Never share your PIN, CVV, online banking password (IPIN), or account details. Banks will never ask for these over calls, texts, or emails.
- How often should I check my online banking account?
It’s best to log in regularly, at least once a week, to review your transactions and quickly spot any unauthorized activity.
- What can I do to keep my passwords secure?
Use a strong alphanumeric password, avoid obvious details like your birthday or phone number, and change it regularly. Also, disable auto-save in browsers.
- How do I make sure my device is safe for online banking?
Keep your antivirus software updated, install firewalls, update browsers and OS regularly, and always clear cache/history after using shared devices.
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