Be suspicious of any email with urgent requests for personal financial information

Phishers typically include upsetting or exciting (but false) statements in their emails to get people to react immediately, they typically ask for information such as usernames, passwords, credit card numbers, social security numbers, date of birth, etc.

Don’t disclose details like passwords, debit card grid values, etc. to anyone, even if they claim to be bank employees or on emails / links from government bodies like RBI, I.T. Dept., etc

Don't use the links in an email, instant message, or chat to get to any web page if you suspect the message might not be authentic or you don't know the sender or user's handle, instead, log onto the website directly by typing in the Web address in your browser.

Avoid filling out forms in email messages that ask for personal financial information,you should only communicate information such as credit card numbers or account information via a secure website or the telephone

Always ensure that you're using a secure website when submitting credit card or other sensitive information via your Web browser

Regularly check your bank, credit and debit card statements to ensure that all transactions are legitimate, if anything is suspicious or you don't recognize the transaction, contact your bank and all card issuers

Banks and regulatory bodies like Reserve Bank of India (RBI), Income Tax (I.T) Dept. are publicizing awareness on phishing. Phishers now send emails resembling Yahoo / rediffmail, shopping sites or regulatory bodies, like RBI / I.T. dept., asking for confidential data.

 Don’t disclose details like passwords, debit card grid values, etc. to anyone, even if they claim to be bank employees or on emails / links from government bodies like RBI, I.T. Dept., etc

In case of doubt, do not click on any link provided in the e-mail

Don’t give any confidential information such as password, customer id, Credit/Debit Card number or PIN,CVV,DOB to any e-mail request, even if the request is from government authorities like Income Tax department or any Card Association company like VISA or Master Card.

Don’t open unexpected e-mail attachments or instant message download links.

Always check the web address carefully before sharing any sensitive information.

For logging in, always type the website address (www.jkbank.net) on your web browser

The Padlock icon at the upper or bottom right corner of the webpage must be always 'On' during secure transactions

Don’t access NetBanking or make payments using your Credit/ Debit Card from shared or unprotected computers in public places

Don’t call and leave any personal or account details on any telephone system, voice message, e-mail or an SMS

Don’t transfer funds to or share your account details with, unknown/ non-validated source, luring you with commission, attractive offers

The phisher collects the 3D Secure password through sophisticated technology and vishing to shop online.

Phishers approach customers at offices / residences to fill survey questionnaires and offer gifts in exchange. These forms contain question on confidential data.

Banks and regulatory bodies like Reserve Bank of India (RBI), Income Tax (I.T) Dept. are publicizing awareness on phishing. Phishers now send emails resembling Yahoo / rediffmail, shopping sites or regulatory bodies, like RBI / I.T. dept., asking for confidential data. .

Phishers send emails with attachments that carry virus / Trojan. The keyed-in data is captured by the malware and transmitted to phishers.

Safe Login To ensure a safe and genuine login, always enter bank's website through https://www.jkbankonline.com and verify the authenticity of the site by clicking on the lock icon. Never leave your computer unattended while you are logged-on to your eBanking account. .

Always enter the address of the site directly into the address bar and avoid trying to access the site using any search engine.

Accessing eBanking account from a cyber café or on a shared computer, make use of the virtual keyboard to enter the username and password and subsequently change the password as soon as you can access your secured computer

Never respond to any Communication (email/phone calls) which requires you to confirm, renew, or validate your account information, even if it appears to be from J&K Bank

Change your password regularly. Commit the User-id and password to memory and do not record them in written or electronic form do not reveal password(s) over phone/email etc. to any person including Bank. If you ever happen to share your user-id and password via phone, email or any other means, change your password immediately or contact your nearest branch to get your user-id disabled.

Create and maintain different passwords for sign-on and transactions. This provides additional security for financial transactions through internet banking. If you have more than one eBanking user-id, use a different password for each of them

Create and maintain different passwords for sign-on and transactions. This provides additional security for financial transactions through internet banking. If you have more than one eBanking user-id, use a different password for each of them

Choose a password which is a mix of alphabets, numbers and special characters and does not relate to any of your readily accessible personal data such as the User’s name, name of a family members, address, date of birth, telephone/mobile number, vehicle number, driving license etc.

Always logoff from eBanking upon completion of your session. Use the Exit button for closing the session and always close the window after logoff/Exit