Financial and Banking Awareness customer rights protection

Financial and Banking Awareness customer rights protection

Fraud Awareness

 

How can I protect myself from Identity Theft?

  • Do not give your personal details to anyone who phones or sends you unsolicited emails.
  • Never carry details of your home address and your bank cards or PIN together in case they’re stolen.
  • Always keep your passwords secure and never disclose them to a third party.
  • Check your statements regularly for any unusual transactions.
  • Ensure documents containing personal information are shredded before they are discarded.
  • If you use social networking websites, display as little personal data as possible

How can I protect myself when using my Bank card?

  • Never give your card to anyone for any reason.
  • Always know where your cards are and keep them in a safe place.
  • Never let anyone assist you at ATM, even if they appear to be official security personnel.
  • Beware of people standing close to you when you are concluding transactions at an ATM.
  • Ensure you hide your PIN when keying it into an ATM.
  • Do not let your card out of your sight when making transactions, particularly in restaurants.
  • Check your bank balance frequently.
  • Report any lost, stolen cards and any unusual transaction immediately (******).
  • When using ATM machines please be vigilant. If there are signs that it has been tampered with or if there is anything unusual, then do not use the machine and report to call center immediately

How can I protect myself from phone scams?

  • Please be aware that EBE never ask for confidential information (PIN, CVV and card expiry date) over phone.
  • Do not give your personal data or credit card details over the phone unless you made the call yourself or the phone call came from trusted source and well-known phone number.

 

What we do to protect your data?

      • At EBE, we commit to protect your privacy and your personal data when using our online services.
      • When you log in to Personnel Banking you are automatically logged in to a secure session. You know you are in a secure session if the URL address begins with https:// or a lock symbol appears in the lower right hand corner of your browser.
      • If you forget to log-off after banking online, or your computer remains inactive for a period of time during a session, then our systems automatically log you off.
      • SSL technology is used within your Personnel Banking session to encrypt your personal information before it leaves your computer, to ensure no one else can read it.
      • A higher authentication One Time Passcode (OTP) is an added level of security to your Username and Password.
      • After a number of incorrect attempts to log in, we lockout online access to your account. To re-activate your account, you should contact our call center 16710.

Internet Banking security tips

      • Do not access your Internet Banking account from a cyber café, a shared computer, or a public non secure Wi-Fi network.
      • Ensure your computer and mobile phone operating systems (e.g. Windows) and your internet browser have the latest security updates and 'patches'
      • Use and regularly update anti-virus software, and make sure to enable automatic software update.
      • Use a 'personal firewall'.
      • Don’t leave logged in internet banking sessions unattended.

 

Phone banking security tips

  • Download the official EBE mobile application from trusted sources only (App store or Google Play)
  • Keep applications and Operating System of your phone updated to the latest version and avoid using any mobile device or operating system that has been modified outside the mobile telephone device or operating system vendor supported configurations. e.g. “jail-broken” or “rooted”.
  • Always lock your phone with a password or PIN. Turn on auto-lock option.
  • Don’t store sensitive information like passwords directly on your device
  • Do not leave your Internet or Mobile Banking session unattended for any period of time. Always sign out or logoff
  • Don’t pair or accept files from unknown Bluetooth devices
  • Do not use public Wi-Fi networks to access your online banking services, such as (Internet cafes, Libraries, airport, etc.)
  • Periodically check your account balances and transaction histories and report for any unusual changes
  • In case your phone is lost or stolen, report to EBE Bank immediately on our hotline 16710.

Phishing, Malware and social engineering protection

  • Do not provide your account information to telemarketing or callers who claim to verify or verify your account information.
  • Never respond to emails requesting personal information. EBE will not send any messages asking you to share passwords, personal identification numbers, the changing password or any other personal or financial information.
  • Never open files attached to email messages from unknown sources or click on any links to them.
  • Do not download any anonymous programs.
  • Make sure to back up your sensitive information.
  • Slow down before taking any action; Social engineers often rely on their goals to rush, without looking at the possibility that the prankster is behind an email or the phone call.

Password management

  • Never disclose your Internet Banking password to anyone and change it regularly.
  • Always use strong, alphanumeric passwords, which cannot be guessed easily and for multiple accounts, use different passwords and do not write them down.
  • Do not use easy guessing passwords like your name, nickname, names of your family members, your address, phone number, or any other reachable information.
  • Do not use the same password as the one which you use to log in to your computer or access your email.

Card Security

To protect your cards when using POS or ATMs or when paying online please make sure of:

  • Lack of suspicious add-ons or devices, making sure they are in a safe place, and learning how to use them.
  • Change the password for your cards periodically.
  • There are no tampering or additional parts to reveal the card information before you use it for the device.
  • The absence of unusual devices attached to the ATM machine.
  • There are no people watching you to find out the password for your card.
  • Hide the device keyboard when you enter the password.
  • Refuse to help anyone when you use the ATM or to help you carry cash.
  • Never leave your card or transaction receipt in the ATM.
  • Not writing the passcode on your card and avoiding keeping it with the card or in any location or place where losing it is easy, such as a mobile phone, money wallet and others.
  • Review your statement of accounts periodically to know the banking transactions that take place on your accounts.
  • Report immediately any SMS that you may receive regarding a transaction that you did not perform by calling the hotline 16710.
  • Report immediately stolen or lost cards, even if they were booked in the ATM by calling the hotline 16710.

 

 

 

  1. Card Features:
  1. An easy method to save and spend cash
  2. Enhancing the financial security of the card holder, as the holder does not need to carry large sums of cash
  3. Taking advantage of the grace period of time 55 days from the last transaction made
  4. Easily used daily for any transaction
  5. Possibility to review and verify all executed transactions through a monthly statement of account
  6. The ability to purchase through websites and merchants
  7. Provide the possibility of financial payment through the Internet banking, ATMs, or bank branches
  8. Provide a range of discounts on special products in specific stores
  9. No need to exchange currencies to complete a payment, especially when traveling abroad
  10. Take advantage of the offers and loyalty programs offered by the bank on this type of card

 

 

  1. Is the bank authorized to issue a card without my knowledge?
  • No credit card entity is entitled to issue a credit card without a certified request from the card applicant

 

  1. Can the issuer bank increase the credit card limit?
  • The entity should not increase the credit limit unless the card holder obtain a documented request

 

  1. When is the bank authorized to stop/block the card account and to consider it defaulting?
  • In case the cardholder does not pay for three consecutive installments, and after the bank notifies the cardholder in advance of the monthly minimum required to be paid

 

  1. How much is the monthly minimum required for the cardholder to pay?
  • 5% of the amount due on the card account from the date of issuing the monthly statement.

 

 

  1. What should the Cardholder do if an unauthorized person used credit or debit card due to loss or theft?
  • The cardholder is responsible for the unauthorized operations recorded in his account, in case he does not inform the issuer bank of the loss or theft

 

  1. Can I make a cash withdrawal from a credit card account, and is there a maximum limit for the cash withdrawal from the ATM?
  • The cardholder can withdraw 60% cash from the total credit card limit as a maximum, but a commission is applied and the interest is calculated on a daily basis as there is no grace period as in the purchase transactions so it is preferable to use the credit cards in purchase only (POS)

 

  1. What are the best tips when getting a credit card?
  • To keep your card with you all the time and don’t give it to anyone under any circumstances
  • Sign your verified signature behind the card as soon as it is received
  • Terminate old or expired cards.
  • Protect your credit card data when making cash withdrawals.
  • Never write your password on the card
  • Never save your password in the wallet
  • Save the receipt and match it when you receive the bank statement
  • Contact the bank immediately in case there is any differences in the statement of the account or operation that you have not implemented.
  • When purchasing from the internet, deal with well-known companies and agencies with a good reputation and ensure the availability of a secure protection system when entering card data.
  • Request and review your credit history once a year
  • Directly contact the bank if you lose your card or in case of theft

 

Preserve payment of financial obligations on your credit cards in full or the minimum payment in due dates until you maintain your credit record I-Score