5 ways to protect your bank account while banking or shopping online

For years, nearly anyone who is online has shopped through a web browser. And now nearly 3 out of 4 internet users do some banking online. And while banks and retailers have gotten better at protecting your private financial information, online criminals have gotten savvier at stealing it.

As we prepare for the holiday season, we thought we’d review a few smart tactics to make sure that the only one who is spending your money is you.

1. Make sure your PC is patched and protected.
This is a standard piece of advice we always share but it’s especially crucial for people who rely on their PC for their financial transactions. Keep your PC updated with the latest system, application and security software. Our free Health Check makes this easy. With an updated and protected PC, you’ll avoid more than 99% of the trouble you might face online.

2. Go directly to the site
When you’re shopping online, it’s always best to stick to retailers you know and trust. Go to the site directly and search there. Avoid clicking on links in your email to go to a store or your bank so you don’t end up at a scam site. If your bank contacts you with a problem, go to the site on your own, or just pick up the phone and give them a call.

3. Look for the “s” in “https:”.
Only enter your information in if you see that extra “s” in your URL. It stands for secured and it’s an extra layer of protection that keeps your account information private.

4. Shop and bank when you’re secure.
Only shop when you know you’re on a network and a PC that’s protected. A computer in an Internet cafe may have a keylogger that tracks your credit card number or password. An open “free Wi-Fi” network, may be convenient. But it’s also risky for shopping or banking. If you use your smartphone or tablet to shop or bank, make sure you have security software on it that includes anti-theft protection that will you allow you to deactivate your device if you lose it. That way when you lose your phone you don’t lose control of your money.

5. Check your accounts.
Try to limit your online shopping to one credit card, and make sure you check that account on a regular basis. Make it a weekly chore to check your account statement and your bank account. Then you’ll be ready to contact your institutions as soon as you notice a problem. The longer a criminal has access to your account, the more trouble they can do–of course.

With these few precautions, you can worry less about your security and more about what you’d actually like to buy.


Image credit: Images_of_Money

More posts from this topic

The Dukes

“The Dukes” – Ask the Experts

Last week, F-Secure Labs published a new study that provides a detailed analysis of a hacking group called “the Dukes”. The Dukes are what’s known as an advanced persistent threat (APT) – a type of hacking campaign in which a group of attackers is able to covertly infiltrate an organization’s IT network and steal data, often over a long period of time while remaining undetected. The report provides a comprehensive analysis of the Dukes’ history, and provides evidence that security researchers and analysts say proves the various attacks discussed in the report are attributable to the Duke group. Furthermore, the new information contained in the report strengthens previous claims that the group is operating with support from the Russian government. Mikko Hypponen has said that attacker attribution is important, but it’s also complex and notoriously difficult, so the findings of the report have considerable security implications. I contacted several people familiar with the report to get some additional insights into the Dukes, the research, and what this information means to policy makers responsible for issues pertaining to national cybersecurity. Artturi Lehtiö (AL) is the F-Secure Researcher who headed the investigation and authored the report. He has published previous research on attacks that are now understood to have been executed by the Dukes. Patrik Maldre (PM) is a Junior Research Fellow at the International Center for Defense and Security, and has previously written about the Dukes, and the significance of this threat for global security. Mika Aaltola (MA) is the Program Director for the Global Security research program at the Finnish Institute for International Affairs. He published an article of his own examining how groups like the Dukes fit into the geopolitical ambitions of nations that employ them.   Q: What is the one thing that people must absolutely know about the Dukes? PM: They are using their capabilities in pursuit of Russian strategic interests, including economic and political domination in Central and Eastern Europe, as well as the Caucasus region, and a return to higher status at the international level. AL: They are a long-standing key part of Russian espionage activity in the cyber domain. MA: The geopolitical intention behind the vast majority of targets. Q: We now know the Dukes are responsible for a number of high profile attacks, and seemingly target information about politics and defense. But what kind of information might they obtain with their attacks, and why would it be valuable? AL: They might obtain information like meeting notes, memos, plans, and internal reports, not to mention email conversations. In essence, the Dukes aim to be a fly on the wall behind the closed doors of cabinets, meeting rooms, and negotiating tables. PM: The targets of the Dukes include government ministries, militaries, political think tanks, and parliaments. The information that can be gained from these organizations includes, among other things, sensitive communication among high-level officials, details of future political postures, data about strategic arms procurement plans, compromising accounts of ongoing intelligence operations, positions regarding current diplomatic negotiations, future positioning of strategic military contingents, plans for future economic investments, and internal debates about policies such as sanctions. MA: The targets are high value assets. Two things are important: data concerning the plans and decisions taken by the targeted organizations. Second, who is who in the organizations, what are the key decision-making networks, what possible weaknesses can be used and exploited, and how the organization can be used to gain access to other organizations. Q: The Dukes are typically classified as an APT. What makes the Dukes different from other APTs? MA: APT is a good term to use with the Dukes. However, there are some specific characteristics. The multi-year campaigning with relatively simple tools sets Dukes apart from e.g. Stuxnet. Also, the Dukes are used in psychological warfare. The perpetrators can even benefit from they actions becoming public as long as some deniability remains. AL: The sophistication of the Dukes does not come as much from the sophistication of their own methods as it comes from their understanding of their targets’ methods, what their targets’ weaknesses are, and how those can be exploited. PM: They are among the most capable, aggressive, and determined actors that have been publicly identified to be serving Russian strategic interests. The Dukes provide a very wide array of different capabilities that can be chosen based on the targets, objectives, and constraints of a particular operation. They appear to be acting in a brazen manner that indicates complete confidence in their immunity from law enforcement or domestic oversight by democratic bodies. Q: There are 9 distinctive Duke toolsets. Why would a single group need 9 different malware toolsets instead of just 1? AL: The Dukes attempt to use their wide arsenal of tools to stay one-step ahead of the defenders by frequently switching the toolset used. MA: They are constantly developing the tools and using them for different targets. Its an evolutionary process meant to trick different “immunity” systems. Much like drug cocktails can trick the HIV virus. PM: The different Duke toolsets provide flexibility and can be used to complement each other. For example, if various members of the Dukes are used to compromise a particular target and the infection is discovered, the incident responders may be led to believe that quarantines and remediation have been successful even though another member of the Dukes is still able to extract valuable information. Q: Many people reading this aren’t involved in geopolitics. What do you think non-policy makers can take away from this whitepaper? AL: This research aims to provide a unique window into the world of the Dukes, allowing people not traditionally involved with governmental espionage or hacking to gauge for themselves how their lives may be affected by activity like the Dukes. PM: It is important for people to understand the threats that are associated with these technological developments. The understanding of cybersecurity should grow to the point where it is on par with the wider public’s understanding of other aspects of international security, such as military strategy or nuclear non-proliferation. This knowledge is relevant for the exercise of fundamental liberties that are enjoyed in democratic societies, including freedom of speech, freedom of the press, freedom of association, as well as of basic rights such as voting in elections. MA: The geopolitical intent is clearly present in this activity. However, the developments in this realm affects other types of cyber-attacks. Same methods spread. There is cross-fertilization, as in the case of Stuxnet that was soon adapted for other purposes by other groups.   F-Secure’s Business Security Insider blog recently posted a quick breakdown on how the Dukes typically execute their attacks, and what people can do to prevent becoming a victim of the Dukes or similar threats. Check it out for some additional information about the Dukes.

September 22, 2015
graveyard, RIP Flash, Is Flash dead

RIP Flash? Has Chrome signed Flash’s death warrant?

The first day of September may go down in internet security history -- and not just because it's the day when F-Secure Labs announced that its blog, which was the first antivirus industry blog ever, has moved to a new home. It's also the day that Google's Chrome began blocking flash ads from immediately loading, with the goal of moving advertisers to develop their creative in HTML5. Google is joining Amazon, whose complete rejection of Flash ads also begins on September 1. "This is a very good move on Amazon’s part and hopefully other companies will follow suit sooner than later," F-Secure Security Advisor Sean Sullivan wrote in August when Amazon made its announcement. "Flash-based ads are now an all-too-common security risk. Everybody will be better off without them." Last month, Adobe issued its 12th update in 2015 for the software addressing security and stability concerns. An estimated 90 percent of rich media ads are delivered through Flash. Having the world's largest online retailer reject your ad format is a significant nudge away from the plugin. But it would be difficult to overstate the impact of Chrome actively encouraging developers to drop Flash. About 1 out of every 2 people, 51.74 percent, who access the internet through a desktop browser do it via Chrome, according to StatCounter. This makes it the world's most popular web interface by far.   Facebook's Chief Security Officer has also recently called for the end of Flash and YouTube moved away from the format by default in January. “Newer technologies are available and becoming more popular anyway, so it would really be worth the effort to just speed up the adoption of newer, more secure technologies, and stop using Flash completely," F-Secure Senior Researcher Timo Hirvonen told our Business Insider blog. So what's keeping Flash alive? Massive adoption and advertisers. “Everyone in every agency’s creative department grew up using Adobe’s creative suite, so agencies still have deep benches of people who specialize in this,”Media Kitchen managing partner Josh Engroff told Digiday. “Moving away from it means new training and calibration.” And Flash does have some advantages over the format that seems fated to replace it. "HTML5 ads may be more beautiful, and are perceived to be more secure, but the files can be a lot larger than Flash," Business Insider's Laura O'Reilly wrote. In markets, stability can breed instability and it seems that our familiarity and reliance on Flash has resulted in unnecessary insecurity for our data. Has Flash hit its moment when its dominance rapidly evaporates? We can have hope. "I sincerely hope this is the end of Flash," Timo told us. Cheers, Sandra [Image by Sean MacEntee | Flickr]    

September 1, 2015