Security Tips

1.Security Tips

• Use strong passwords accounts and change them frequently. Passwords should be at least 12 characters in length and include a mix of upper and lower case alphabetic characters, numbers and special characters.  
• Your password for each service should be unique. You should not use same password in multiple services.
• Your financial account password should be different from your social networking sites’ password.
• Never share your password with anyone or write them down.
• If your mobile number or email id is changed, do not forget to update it in the Bank’s side immediately.

2.Email Security Tips

• Be wary of suspicious e-mails. Never open attachments or click on links, until you’ve confirmed their legitimacy. Downloads and links are the easiest methods for hackers to get malicious software loaded onto your computer.
• If you realize or suspect you have responded to a fraudulent e-mail with your Bank logon credentials, account number(s) or personal identification information, contact us immediately.

3.Online Banking Security Tips

• Avoid using shared or public computer for accessing Online Banking.
• Do not reveal your password to anyone, not even to Bank´s employee.
• Frequently change your password.
• Do not keep weak password. Use combination of capital letter, numbers, non-alphanumeric characters and minimum 12 characters.
• Use virtual keyboard to enter login password.
• Keep login password and transaction password different.
• While doing online banking, change your browser mode to "private browsing". This will delete your all cookies and files from your computer.
• Always remember to sign out from Online Banking and close the browser when you have finished online banking.
• Never reply to email that asks for your login credentials. Bank never sends email asking for your login credentials in email. Contact bank immediately if you receive any such email.
• Always access online banking by typing https://ebanking.muktinathbank.com.np in address bar of internet browser. Before logging in online banking, always make sure that the web address bar is exactly showing https://ebanking.muktinathbank.com.np

• Contact the bank immediately if you suspect that your online banking credentials has been compromised.

• If your mobile number or email id is changed, do not forget to update it in the Bank’s side immediately.
• Keep your Operating System updated with the latest security patches. Make sure your computer has antivirus and anti-spyware software installed and updated.
• Always keep your financial account password different than your social networking sites’ password and other services. Never use same password in multiple sites.

4.ATM Security Tips

• Observe your surroundings before using an ATM. 
• Shield PIN Pad (keyboard) so anyone waiting to use the ATM cannot see you enter your PIN.
• If you see anyone or anything suspicious, cancel your transaction and leave immediately.
• Keep your card in a safe place to avoid damage or theft.
• Memorize your Personal Identification Number (PIN). Never write the PIN down on anything in your wallet or on the card.
• When selecting a PIN, avoid numbers that relate to your personal information. For example, don't use your birthday, telephone or vehicle numbers.
• Immediately report a lost or stolen card to the Bank. (Link to lost or stolen card section)
• To help guard against fraud, keep your ATM receipts until you check them against your monthly statement.

4.1Anti Skimming Awareness

• Look for any suspicious materials or odd colors on the ATM. 
• Look for areas where a scammer could place a camera, such as a brochure rack or a pinhole near the keypad. 
• Look at the ATM keypad to see if there’s a fake on top of the legitimate one. 
• Before inserting your card, give the card reader a small tug.  If there is any movement or the device comes off, don't use that ATM and call Customer Service.
• Always cover your PIN as you enter it. 

5.Mobile Phone Security Tips

You must take at all times all reasonable precautions to keep safe and prevent [unauthorized or] fraudulent use of your mobile device and security information.

These precautions to be safeguarded on a continuous basis include:

• Never write down your security details in a way that can be understood by someone else;
• Do not use password that are easy to guess like vehicle number, date of birth etc.
• While entering pins make sure that no one can see the details.
• Frequently change your PIN and Login Password.
• Do not leave your mobile un-attended once you log into the mobile banking application.
• Log out from the application once you finish using Mobile Banking Application.
• Undertake reasonable and adequate precautions to scan for viruses or other destructive properties.
• You must not use the Mobile Banking App on any device or operating system that has been modified outside the mobile device or operating system vendor supported or warranted configurations. This includes devices that have been "jail-broken" or "rooted". A jail broken or rooted device means one that has been freed from the limitations imposed on it by your mobile service provider and the phone manufacturer without their approval.
• You will be responsible for all instructions given by you or anyone acting with your authority between when you log onto the Mobile Banking App until you log off the Mobile Banking App.
• You are responsible for making sure information shown or stored on your mobile phone is kept secure.
• You must advise us of any change to your mobile phone number without delay.
• Location Tracking on Mobile Devices– Certain applications on mobile devices may transmit information to us about your location when you request information from them.

What to do if there is a breach of security

If you know or suspect that someone else knows your security details, or has used or tried to use them, or if your mobile device is lost or stolen or misappropriated you must tell us without delay by calling us on 9802306889 at Digital Banking Unit or contact your nearest branch.

6.Here is what you can do now to help fight fraud:

6.1 Use our mobile banking app

Our mobile app is the best way for you to stay on top of any suspicious account activity

6.2 Check your contact information

• You're not the only one protecting your account.If we spot an issue, we want to get in touch with you the quickest way possible.
• Provide your mobile number, so we can alert you to potential fraud

6.3 Create strong, unique passwords

• Strong passwords are 12 or more characters long and include a combination of numbers, symbols and upper- and lowercase letters
• Use multifactor authentication when possible

6.4 Protect your devices

Keep your phone, tablet and computer up to date with the latest browsers, operating systems and antivirus software

6.5 Keep your account information secure

• Go paperless
• Never write your PIN on the back of your card