Your data and transaction's safety is also your responsibility. To avoid inconveniences, we suggest using the following practices.
title=1. Protect your computer
- Frequently update your operating system.
- Install an antivirus with firewall on your computer and keep it always updated.
- Install an anti-spyware program that protects you from programs that collect personal information without your consent.
title=2. Cautions when using your email and surfing on internet
The informatics attacks are a risk to any computer that is connected to an informatics net and it translates in an exploration of a failure in the informatics system (from the software or the user itself) usually for harmful purposes.
On Internet, the attacks happen constantly and in considerable amounts, being, most of the time, launched from infected machines by a virus.
Innumerous reasons can be in the source of the attacks since attempt to obtain access to the system, theft of information of an organization and from a user, recovery of bank data or to disrupt the good running of the services.
It is also the responsibility of each one of us to look after the protection of the informatics system since we use some tools, namely, email, that are considered potential undue channels of access to computers and informatics nets.
The risk in using the email can, however, be relieved if we take a set of preventives measures. So, we remind you a few procedures that will allow you to keep on using the electronic services provided by BCN, namely BCN Online, with top security.
- Pay attention to the non-solicited emails, even if they seem to be from trustworthy source;
- Never put your personal data in any page or place that is not the BCN website;
- Do not access BCN Online from links included in emails. The alternative of making “copy + paste” in the internet browser it’s not safe either. Choose to open a new window in your browser and type the full address of the site that is www.bcncv.com or https://particulares.bcn.cv/;
- Verify the URL to certify that the page is part of the company’s site and not a fraudulent page in a different domain (like BCNbanco.com or g00gle.com)
- If you are in a page where it will be requested, as instance, information about your debit or credit card, verify the locker icon in the browser. In Firefox and Internet Explorer 6, it appears in the right inferior corner, and in Internet Explorer 7 the locker appears in the right side of the address bar;
- Distrust of non custom-made messages, which do not mention your name and starts by “De.ar Sir” “Dear Customer”, etc. Question the reason why the company is contacting you. In case of doubt contact the company by phone or access the its website directly;
- Pay attention to the clicks you make in email attachments. They can carry virus or spywares – keyloggers that can capture and save all information you type, such as secret codes or credit/debit card numbers;
- Disable the option “Preview Panel” of your email to avoid that a virus infected email, generally in HTML, be processed automatically. If you which to keep that option activated, we advise that you define that all messages you receive should be in text format;
- Before you put private or confidential information, always verify that the page address starts with https:// (“s” means “safe”);
- If you see the existence of a “@” in the middle of a site address in can indicate a fake site;
- Be careful when you receive emails that talks about heritages or prizes, that can be attempts of fraud or extortion;
- Be careful with emails or sites that offer career opportunities in allegedly connected to activities that involve international payments and money reception proposing to the receiver a commission (usually a percent) by bank transfer to his account. This kind of activity can be associated to illicit and criminal acts, with all the consequences that comes from it;
- Keep your computer software always updated and make periodically updates in your anti-virus.
Check the remaining Security Tips and see our Fraudulent Emails examples.
title=3. Cautions when using your debit card
When you receive your card, keep it in a visible place in your wallet in order to quickly realize in case of their lack.
When you use your card:
- When you make payments, always check the value of the transaction before you enter the PIN;
- Keep a copy of the invoice;
- When you make transactions with your card, always keep them within your reach during their handling by third parties;
- If they occasionally ask you for your identification, not face this request as lack of confidence or doubt of your honesty. It is a protective procedure for the merchant, the issuer and, above all, for the user;
- Memorize the PIN of your card. If you have to write it, do it covertly in a separate place from your Card;
- When you use the ATM's make sure that the typing of your PIN is outside reach of third parties.
In the transmission of information:
- Never give information about your card (number, expiration date, etc.) by phone, unless the call was your initiative;
- Do not respond to any email message that request for information about your card.
Caring with your card
- Avoid placing your card near a magnet or electromagnetic source (speakers, televisions, etc.) as they may damage the information they contain;
- When you place in your cards in your wallet, prevent that the magnetic strips are against one another, since they can be damaged;
- Avoid exposing your card at elevated temperatures;
- If you report the loss of your card to the bank and later find it, do not use it.
title=4. Cautions when using the internet banking service - BCN Online
Keep your access data to BCN Online (username and password) and key confirmation reserved. Never disclose them, even to people you trust, nor write them in papers.
Never enter all the digits which constitute the confirmation code of transactions in BCN Online. These digits are required for doing operations in the electronic banking service, and BCN will never ask more than 3 digits each time.
If you are contacted by the BCN Online without having requested that contact, keep alert and do not transmit your access data or other information that might compromise your asset.
Be wary of changes in the graphic image of BCN Online or access procedures usually used, for example, if you are asked to enter more access data than usual. In case of doubt, contact the BCN.
Beware with pages whose texts present grammatical errors or if the language used indicate that they were written by foreigners or people who do not master the language and terms commonly used in BCN Online.
Avoid access to BCN Online from a public or shared by unknown computer.
When you enter your access data, make sure that no one is watching you. When you no longer wish to use the BCN Online, you should end the session by clicking the "Exit" button.
Periodically change your access code to BCN Online. Set a different access code which differs from that you use for those sites that do not require so many safety concerns. Avoid access codes that can be easily guessed, such as birth dates or phone numbers.
Create the habit of checking the date and time of your last access to BCN Online.
Confirm the source of the Digital Certificate, making double click on the icon in the inferior left corner of the page. Verify that actually belongs to BCN.