Six ways your bank account can be hacked

Few days ago, I got a message from an unknown number stating that my account and ATM card has been blocked due to failure to update my BVN. One thing I want us to note is that, BVN updates have been carried out by every individual that owns a bank account, so banks don’t longer send messages concerning that. This prompted me to write about this topic today to educate bank account holders on the ways by which their accounts can be hacked.
Bank accounts can be hacked through different ways and so it has become imperative that we are all aware of the diverse means by which these fraudulent activities can be carried out on our bank accounts and other personal accounts.
1. Responding to fraudulent text messages or phone calls: almost everyday, we receive text messages that our accounts have being blocked, like the one I received last week, and so we should call a particular phone number to unblock the account. Some fraudsters even go as far as putting calls through to their would-be victims. When this happens, we must confirm from our banks first before responding to such calls/texts or not even responding at all as no bank will call or text you to divulge your bank details over the phone or through a representative.
2.  Disclosing too much information on our social media profiles: alot of people form the habit of putting their personal information such as names, email addresses, phone number and date of birth on the internet or on their social media accounts, that’s divulging too much information, a sophisticated hacker needs just that or even less to get your banking details like your pin and passwords. I will advise that you exclude the year you were born, and except it’s really important, your name and surname. You may try to use phone numbers that are not directly linked to your account, especially for those that use internet banking.
3. Shopping on untrusted and unencypted websites: apart from popular shopping sites, never disclose your banking details to web addresses that you are skeptical about, also web addresses that doesn’t start with https should be avoided.
4. Disclosing banking details on dating sites: anybody you meet online that claims to love you shouldn’t be asking for your account number or pin, men and women are wooed daily by “lovers” and are being tricked to divulge their financial information. Love might be blind but when it comes to your hard earned money, open your eyes.
5. Using weak passwords or pins: such as dates of birth, surnames, names of your kids etc. Your account pin can be easily guessed even by an amateur hacker. Use random, unique passwords that may even contain numbers, but make sure you use the one you can easily remember.
6. Careless handling it ATM cards and checkbooks: have you ever heard of an insider? This is someone from your home, office anywhere, teaming up with other people to rob you blind. Cousins, friends even siblings can be insiders. Now am not saying that you should start having trust issues towards your family members, but it doesn’t take a long time for a person to be convinced. Keep the details of your financial accounts in a trusted environment. Restrict access to your account details, email addresses, phone numbers, and any other thing linked to your account.

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