• Youth banking - staying safe online

    If this is your first current account, please read the following information which will help you to bank safely online and keep your money secure. We use the high level of security that you would expect from a bank.

    The 5 tips below will give you some insight into how fraudsters may operate and how, sometimes, an innocent conversation can actually provide a criminal with everything they need.

  • You will get a PIN (Personal Identification Number) for your debit or cash card which will allow you to complete purchases and withdraw cash. This PIN is secret and for your use only, so you should never tell it to anyone - not even us.

    The same applies for your online banking password and memorable information which you will use to log in to Internet Banking. These details will allow access to your account and potentially allow transactions (such as payments and transfers) from your account to another, so keep the details secret.

    As with your PIN, we will never ask you to tell us these details, so they will only ever be used by you to log in to your Internet Banking.

    Passwords are used throughout our day to day lives as a way to keep us secure (for example, when accessing Internet Banking or unlocking your mobile phone). These passwords keep you protected so make sure they are private, personal and difficult for anyone else to work out.

    Avoid using any easy to guess details such as your name, date of birth, pet's name, etc.

    Whenever you are online, you should look for sites with a padlock symbol in the browser's address bar, or an address starting 'https'. This means that you are within a 'secure' connection.

    If you're ever entering personal details (like your date of birth, password, or address for example), either to pay for an item or register for an account, always make sure your connection is secure.

    Social networks are now a part of our everyday lives, but how much personal information do you share? It's always best to keep your profiles set to private where possible. Be careful with friend requests - do you really know them or are they attempting to search for personal information?

    It's a good idea to avoid sharing any personal information publicly, especially the kind that's often used for security - such as your date of birth, address, mother's maiden name or mobile number.

    It's an increasingly common tactic for criminals to contact you directly, to either get you to provide them with your security details or to have you transfer your money to them.

    Their methods are extremely sophisticated and many people who thought they would never fall for such a scam have found themselves caught out. It's important to be completely sure of who you are talking to and exactly what is happening. Any legitimate business will be more than happy to take the time to explain it all to you and to give you the time to make your decision comfortably, even if it means going away to think about it and coming back to them later. Contact from scammers can be made by email or over the phone and they can pose as anyone - the police, a well-known retailer such as Apple or Microsoft, or even as TSB.

    What will be common is a scammer claiming someone is attempting to steal your money - this is technically true, but it's likely to be the person on the phone who's the criminal. They might offer you money - usually in the form of an unexpected refund.

    Remember that as a bank, we will NEVER ask you to transfer funds on our behalf for any reason, especially not as a result of potential fraud. Even if we genuinely contacted you to say you have already been the victim of fraud, we would still never ask you to transfer funds on our behalf.

    Also, you do not need to take any action to confirm a refund - certainly not accepting any security calls. A good rule to always remember is: 'if it sounds too good to be true, it probably is.'

    If you are ever in doubt, stop what you are doing and call us on 0345 835 3844. It's better to be safe than sorry!

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