meh, most malware/virii are actually pretty easy to spot. A lot of them leave some lol worthy traces in the actualy coding of the program.

But def advise to not click links you don't trust.

ID card + ID card reader...

If a bank doesn't use RSA, it uses other ID tags that are unique to your computer. That said, even if someone could get around it, this isn't a ****ing poker site we're talking about. The money would be traced, returned back to you and the hacker would be charged with a felony.

Wait, so some B&M banks have online services with only a username and a password? Oh boy I take weird stuff for granted...

You wish. There are still plenty of banks that don't do anything more than username/password as the default. I know my bank does. And using PC id tags is pointless if your PC was compromised because a hacker will make sure all the info send to the bank is identical to what your pc would send.

Good thing is that the money will be returned to you. But in a lot of cases banks take that hit and the money itself has been converted to cash long before you have reported it missing. They might get their hands on some idiot that got paid to open an account and allow someone else to withdraw cash from it but that is where it ends most times.

Just check with your bank and get the RSA key or SMS confirmations. And if they don't have either one then close your account and go to another bank. These days most banks have at least the option though.

yeah like the banks havent already gambled your money for you

LOL

no thanks

scum gonna ****ing scum

he said a pro with money

tipofthehat.jpg

vwp sir!!

no

+1

get a token instead

I am shocked about the posts in this thread. I was absolutly sure RSA keys or SMS confirmations would be standard for every bigger bank in every more or less civilized country all around the world.

why? for 99.99% of accounts it's cheaper for the bank to eat the loss or otherwise recover it. You don't spend $15 per account for RSA tokens when your average expected loss is less than that.

Dont know, didn't do the math on it But I have three bank accounts on three different banks here in germany and none of them even ALLOW me to do a money transfer w/o at least confirming it with a code I recieve via SMS.

Just seems insane to me to run an account just secured by a simple pw.

My banks do not require much more (one is the largest or 2nd I think in the US you could probably find out). They have heuristic checks (or something) on transactions and when new IPs try to access the account. They'll stop and send an activation code SMS for an unrecognized computer, or it can be an email since not everybody has or wants SMS. But for regular log in where I can do bill pay or transfer money it's just uid/pwd. I've had them call my home phone when suspicious transactions come up (I bought something online from an international source).

2 factor authentication is the cool new thing but the simple equation is: X% chance of something bad happening times $Y cost compared to (100 - X)% times $Z cost of prevention. There are other factors too, mostly they would affect the value of XYZ, like if we verify suspicious transactions we can get X close enough to 0. I'm pretty sure banks have considered these comparisons and determined which is in their bottom line best interest.

Every bank has different security features like some banks have the card reader which gives a code before logging on online. You can set up withdrawal/transfer limits which can only be removed using a password or security question when you need to make a large transaction but it depends on your particular bank. You should obviously use a well-secured wireless network when checking bank accounts online, and report any suspicious fraudulent activities straight to your bank. You are generally not charged for any fraudulent transactions carried out after you have reported it, and often, your bank may call you if you are making unusual transactions to what you normally make just to check that it was you who was using the account.

Don't banks have insurance?

Isn't it the same as if someone hacked your account?

I myself bought a 2k safe, cemented it into my floor in my basement, and keep just cash and gold. I don't have a bank account anymore.

I moved from the UK to the US about 4 years ago and was pretty shocked to be honest at how far behind Europe the US is on banking security and to be honest banking in general.

Moving money online between accounts is not easy - and everyone over here still uses paper cheques (checks) !! Remember them from the nineties?!!

Ah the cheque (and later) cheque guarantee card. Pay by cheque, got 4 working days to get £ to the bank - happy days

Fred West ITT

hey op, hows the house?

Ah, so that's why his twitter account was deleted..