Security: Your Security Is Very Important To Us

We have gone to extraordinary lengths to ensure that your transaction with Citibank Online is completely secure, so that your account is safe. Our security features use the very latest technology and process as below.

Citibank currently offers 3 levels of security to help safeguard your financial information:

1. Strong Encryption (128-bit)

All data sent to and from Citibank is 'scrambled' and 'resembled' between Citibank and your personal computer to protect your personal and financial information. Your PIN does not travel on the Internet during login authentication, and the session is Triple DES encrypted. Hence nobody can intercept your PIN while you are using Citibank Online.

2. Personal Identification Number (PIN)

Your PIN must be entered every time you sign on to Citibank® Online or every time you perform a financial transaction from Citibank® Online. Remember; always keep your ATM PIN confidential.

3. Automatic Time Out

There is a security feature intentionally built-in to the system. When there is no activity for reasonable time, Citibank will terminate your secure Citibank® Online session to help protect against unauthorized access.

Additionally, Citibank also ensures security of your banking account and credit card by using a Fraud Early Warning System (FEWS). We use our worldwide experience and technology to provide you the safest services.

Some Simple Steps You Can Take To Ensure Your Security

We want your online experience to be enjoyable and worry free. Banking online can be very convenient and secure if you take a few simple precautions. Here are a few suggestions to help you have a secure online banking experience.

• Be alert for scam e-mails.
  These may appear to come from a trusted business or friend, but actually are designed to trick you into downloading a virus or jumping to a fraudulent website and disclosing sensitive information.
  
  
• Don't reply to any e-mail that requests your personal information.
  Be very suspicious of any business or person who asks for your password, social security number, or other highly sensitive information. Citibank will never ask for any information of this nature in an e-mail.
  
  
• Open e-mails only when you know the sender.
  Be especially careful about opening an e-mail with an attachment. Even a friend may accidentally send an e-mail with a virus.
  
  
• Be careful before you click on a link that is contained in an e-mail
  or other message. The link may not be trustworthy.
  
  
• Do not send sensitive personal or financial information unless it is encrypted on a secure website.
  Regular e-mails are not encrypted.
  
  
• Do business only with companies you know and trust.
  
  
• Be aware!
  Phony "look alike" websites are designed to trick consumers and collect their personal information. Make sure that websites on which you transact business post privacy and security statements and review them carefully.
  
  
• Verify the address of every website, known as the URL.
  
  
• Make sure that the URL you want appears in the "address" or "location" box on your browser window.
  Some websites may appear to be legitimate but actually are counterfeits. Take a few extra seconds and type the URL yourself.
  
  
• Look for the padlock symbol at the bottom right of a web page to ensure the site is running in secure mode BEFORE you input sensitive information.
  
  
• Use strong passwords or PINS for your Internet accounts.
  Choose passwords that are difficult for others to guess, and use a different password for each of your accounts. Use both letters and numbers and a combination of lower case and capital letters if the passwords or PINS are case sensitive.
  
  
• Ensure that you change your PIN regularly.
  At least once a month.
  
  
• For maximum security, we would advise you to memorize your PIN and keep it secret.
  Please do not write the PIN on your Citicard or Citibank credit card or reveal it to anyone.
  
  
• Log off. Do not just close your browser.
  Follow the secure area exit instructions to ensure your protection.
  
  
• Monitor your transactions.
  Review your order confirmations, credit card, and bank statements as soon as you receive them to make sure that you are being charged only for transactions you made. Immediately report any irregularities.
  
  
• Make sure your home computer has the most current anti-virus software.
  Anti-virus software needs frequent updates to guard against new viruses. Make sure you download the anti-virus updates as soon as you are notified that a download is available.
  
  
• Avoid conducting any banking transactions in an area where Internet service is available to the public e.g. cyber cafes.
  It is very difficult to ensure these PCs are free of any hacking programs which can capture your personal / account information. Should you have to perform transactions on public PCs, please change your PIN from your computer after you have used a public computer. This is important because there could be a risk of capturing your keystrokes (including your Citicard and Citibank Credit Card number and PIN) by certain programs running in the memory of the shared PC without your knowledge.

Print these tips and keep them handy so you can review them whenever you bank or engage in an online transaction.

If you have any queries about using Citibank Online, please see our FAQs or ring our CitiPhone Banking service on 06-40-CITI24 (06-40-248424).