• Frequently monitor your accounts using Online Banking and review your account statements promptly. Immediately report any suspicious activity to your bank.
• DO NOT maintain large balances on accounts linked to your debit card. It is recommended that you keep separate accounts and transfer funds from your savings account to your account linked to the debit card via Online Banking as needed.
• Your bank will never contact you via e-mail for personal information about your account such as PIN, identification number, etc. If you receive an e-mail asking for this information, do not reply, and delete it immediately. Inform your bank as soon as possible.
• DO NOT share your Online Banking login details with anyone.
ONLINE & EMAIL SECURITY
• Be sure to verify the authenticity of websites and email senders before conducting online transactions or responding to emails.
• DO NOT complete information in pop-up boxes unless sites are secure.
• DO NOT share your account details or card information via email or instant messaging programs.
• Create strong Online Banking passwords that will be difficult for persons to guess.
• Always call back Suppliers to confirm changes in wiring details received via email before remitting wire payments.
• Only make online purchases using your debit or credit card from a website with Security Socket Layer (SSL) encryption installed. You will know the website is secure because an icon of a padlock will appear in the web address.
• Avoid using an ATM in secluded or deserted areas or when you are by yourself. Use ATMs located at banks or supermarkets where other people are around or in in well-lit, public areas.
• Avoid using ATMs late at night.
• Ensure that your card is readily available to gain access to the ATM.
• Be aware of lights not working, anyone loitering nearby or shadowed areas where someone might hide. If you notice anything or anybody suspicious, consider returning later or use an alternate ATM location.
• Inspect the ATM. If it looks like someone has tampered with the equipment, don’t use it. This could mean that someone has attached a “skimmer” to the ATM to steal your financial information. If a suspicious person offers to help you use the ATM, refuse and leave.
• Put your money and debit card away before leaving the ATM. Always avoid showing your cash. Always verify that the amount you withdrew matches the amount printed on your receipt. Shred or destroy your ATM receipts before you throw them away.
• Make sure you end your session and the ATM returns to the start screen before leaving the ATM. This will prevent anyone who uses the ATM immediately after you from accessing your account.
• Sign your card on the signature strip at the back as soon as you receive it.
• Treat your card like cash. Never let your card out of your possession or control. You are solely responsible for its use.
• Exercise caution when making purchases via telephone. Make sure that the company/organization you are dealing with is a legitimate one.
• Check your statement and immediately report any discrepancies.
• Report lost or stolen debit cards immediately by contacting your bank via telephone and email. Save the number on the back of your card so that you can call the hotline in the event that your card is lost or stolen outside of banking hours.
• Properly destroy statements and receipts before discarding them. Never discard in public bins.
• Inform your bank ahead of time if you will be travelling to another country.
• Always destroy your old card by cutting it into small pieces before discarding it.
• Keep your card away from items with magnets, which can erase the information stored on the card’s magnetic strip.
• When shopping, be sure that you get your card back after every purchase.
• Always make sure that sales vouchers are for the correct purchase amount before you sign.
• DO NOT volunteer any personal information when you use your card, other than displaying personal identification as requested by a merchant.
• When using your card at Point-of-Sale or ATM locations, be sure to be discreet when entering your PIN to prevent persons who are nearby from seeing your PIN.
• When using your card at restaurants, do not leave the line for tips on your transaction receipt blank. Write the tip amount yourself. If you do not wish to leave a tip write a zero on the line. Also be sure to fill in the total. By doing this, no one can add an amount to the receipt after you would have signed it.
• DO NOT write down your PIN. Memorize it.
• Never tell anyone your PIN. No one from a financial institution, the police, or a merchant should ask for your PIN.
• When selecting a PIN, avoid picking a number that is easy for others to guess — for example, your name, telephone number, date of birth, or any simple combination of these.
• Be sure to enter your PIN discreetly at ATMs and Point-of-Sale locations.
MEMBERS OF THE ANTIGUA & BARBUDA BANKERS ASSOCIATION
Antigua Commercial Bank
Caribbean Union Bank
Eastern Caribbean Amalgamated Bank
RBC Royal Bank