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safe banking faq

How can I recognise a scam e-mail?

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Without using additional measures such as a digital signature, it is easy for fraudsters to imitate e-mails. But that doesn't mean you can't recognise scam e-mails. Cyber-criminals often place alarming, enticing or exciting subjects in their e-mails with the hope of tempting you to respond impulsively and divulge the requested information. So, always take your time to read the e-mail carefully. In case of doubt, it is better not to respond. If you do choose to respond, always first check that the mail is genuine by contacting the company that is the apparent sender by telephone, for instance.

How can I tell if a web page is secured?

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There are two general indications of a secured web page:

  • Check the web page URL
    Normally, when browsing the web, the URLs (web page addresses) begin with the letters "http". However, over a secure connection the address displayed should begin with "https" - note the "s" at the end.

    Try it! - Visit our home page (http://www.icicibank.com). Note the URL begins with the "http" meaning this page is not secure. Click the link in the upper-left hand corner to "Log in". Notice the change in the URL? It now begins with "https", meaning the user name and password typed in will be encrypted before sent to our server.
  • Check for the "Lock" icon

    There is a de facto standard among web browsers to display a "lock" icon somewhere in the window of the browser (NOT in the web page display area!) For example, Microsoft Internet Explorer displays the lock icon in the lower-right of the browser window:          

          This is important to know because some fraudulent web sites are built with a bar at the bottom of the web page to imitate the lock icon of your browser!

Can I use a Laptop to access ICICI Bank Internet Banking?

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Yes, as long as the notebook meets the recommended system requirement.

What is skimming?

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Skimming is an act of stealing information through the magnetic stripe on the cards that are used in ATMs and merchant establishments. Fraudsters collect information from a credit/ debit/ ATM card by reading the magnetic stripe on the reverse of the card. For doing this, they conceal a small device in the card slot of ATMs or merchant payment terminals. This 'skimmer' scans the card details and stores its information. A tiny strategically positioned camera may also be used to capture the PIN. Skimming can occur in ATMs, restaurants, shops or other locations.

To report any discrepancies in your account or credit card, you may call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click here

Alternatively, write to us at customer.care@icicibank.com with the below mentioned details from your registered e-mail ID:

  1. Your savings account number/last four digits of credit card number.
  2. Date of transaction.
  3. Amount of transaction.
  4. Any other details regarding the transaction that you may have.

What's your role in enhancing security of your online banking experience?

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  • Always ensure your PC is updated with latest anti-virus and operating system patches.
  • Install personal firewall and anti-spy ware to protect your PC from internet attacks.
  • Always change your online banking passwords periodically say every month.
  • Review credit card & bank statements regularly and report any irregularities to the bank.
  • You report any suspicious or fraudulent e-mail/sites to the bank immediately.
  • Always read the online security tips provided by the bank from time to time.

What is 128-bit Secure Socket Layer?

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SSL stands for "Secure Sockets Layer". It is a protocol designed to enable applications to transmit information back and forth securely. Applications that use this protocol inherently know how to give and receive encryption keys with other applications, as well as how to encrypt and decrypt data sent between the two.SSL has been universally accepted on the World Wide Web for authenticated and encrypted communication between the customer's computer and servers.

What is a firewall and how does it protect my information?

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One of the security mechanisms we use to protect our systems and your information is called a firewall. Our firewalls use a combination of industrial strength computer hardware and software that is designed to securely separate the Internet from our Internal Web servers, computer systems, networks and databases. During your secure online sessions with RBC Web sites, firewalls prevent unauthorized Internet traffic from entering our Web servers, systems and network.

What is phishing?

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Phishing is a scam wherein certain individuals/ entities solicit, through e-mail, personal information like Internet Banking User ID, Passwords, credit/ debit card numbers, bank account information or other personal and sensitive information from unsuspecting customers. Clicking on the link or even pasting it in the address bar of your browser will take you to a fraudulent site. This fraudulent link will normally not have the padlock sign in the tool bar which will discriminate this site from our genuine site (www.icicibank.com)

We urge you not to reply to such e-mails. Please do not share any of your personal information in response to such e-mails. ICICI Bank will not ask for this information via e-mail or by directing you to a link online. Please forward the mail received by you to antiphishing@icicibank.com .

If you have revealed your account details in response to this e-mail or any such, please call and inform our Customer Care immediately from your registered mobile number and make a request to block your User ID and Password. To know the local Customer Care numbers, please click here

You may continue to transact with ICICI Bank by typing (www.icicibank.com) in the address bar of your browser window without any apprehension. We reassure you that we use the latest encryption and SSL security devices to make our website safe for use.

We request you to forward this e-mail to your friends and family members, so they too are aware of similar 'phishing' scams.

Please visit the 'Safe Banking' section on our website for 'Safety Tips' and more information on a secure online banking experience.
 

Are email transmissions secured?

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Email sent over the Internet is generally not secure unless it is encrypted. In reality, most email programs currently do not have this capability. To send us an email securely, we recommend that you do so by using the secure email function provided by some online services like Online Banking.

I am experiencing slow response when accessing ICICI Bank Internet Banking. What is wrong?

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The slow response your are experiencing could be due to the following:

  • You are not using the recommended browser, operating system and hardware.
  • Your Internet Service Provider, Local Area Network or our system is facing intermittent slowness.

Can other people view my personal information when I am using the Internet?

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If a secure session is established and the information is encrypted during transmission, then others will not be able to view your information. However, you should be aware that some Web browsers will store information on your computer even after you are finished conducting your online activities, this is called caching. Therefore, you should close your browser once you are finished using the Internet, particularly if you visit secure sites to conduct financial transactions, check account balances or view any other information that you regard as private and confidential.

How is my information transmitted safely over the Internet?

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Web browsers use standard security protocols like SSL, and S-HTTP to enable private information to be transmitted safely over the Internet. When you visit a Web site with the SSL protocol, a secure connection is created between your computer and the Web site server you are visiting. Once this connection is established, you can transmit any amount of information to the Web server safely. In contrast, the S-HTTP is designed to transmit individual messages.

What is the difference between 40-bit encryption and 128-bit encryption?

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40-bit and 128-bit refer to the size of the key used to encrypt information. To use the lock and key analogy, the greater the number of keys, the more difficult it is to find the correct key to fit into the lock that protects the information. Therefore, the larger the size of the encryption level, the more difficult it is to find the right key to unlock the information.

How do I clear my browser cache?

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To clear your browser cache:

  • Internet Explorer
    • Go to "Tools"
    • Go to "Internet Options"
    • Select "General"
    • Click on "Delete Files" at "Temporary Internet files"
  • Netscape
    • Go to "Netscape" or "Edit"
    • Go to "Preferences"
    • Select or double-click on "Advanced"
    • Select "Cache"
    • Click on "Clear Memory Cache" and "Clear Disk Cache

What hardware and software do I need to access ICICI Bank Internet Banking?

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We recommend the following:
Computer with 500MHz processor or higher
64 MB RAM or higher
Internet connection of 28.8 kbps or higher

The following operating systems:
Windows 98, NT, 2000, XP
The following browsers:
Microsoft® Internet Explorer 5.XX and above
Netscape® 7.XX and above             

What is vishing?

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Vishing is a scam wherein certain individuals/ entities solicit, personal information like Internet Banking User ID, Passwords, credit/ debit card numbers, bank account information or other personal and sensitive information from unsuspecting customers. Providing above details may result in fraud transactions on your credit card/ savings account.

We urge you not to reply to such calls. Please do not share any of your personal information in response to such calls. ICICI Bank will not ask for this information via call or by directing you to a link online.
 
If you have revealed your account details in response to such call or any such, call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click here

Please visit the 'Safe Banking' section on our website for Safety Tips and more information on a secure online banking experience.
 

What is a worm?

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A worm is a virus that does not infect other programs. It makes copies of itself, and infects additional computers (typically by making use of network connections) but does not attach itself to additional programs; however a worm might alter, install, or destroy files and programs.

Melissa:

The Melissa Worm, also known as "Mailissa", "Simpsons", "Kwyjibo", or "Kwejeebo", is a computer worm that also functions as a macro virus, hence making it a "multipartite virus".

Code Red:

The Code Red worm was a computer worm released via the Internet on July 13, 2001 affecting computers running Microsoft's Internet Information Server (IIS) web server. The programmers at eEye Digital Security who reported it named it after both the Mountain Dew soft drink and the phrase "Hacked By Chinese!" (see Red Scare) that it propagated. The worm exploited a vulnerability in the indexing software distributed with IIS and did several things: * It defaced the affected web site to display:*: "H

There is a 'Java Script not-error' on my computer. What should I do?

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This usually happens when a transaction is attempted before the Java applet is completely loaded into your PC. To reload the applet, click on the toolbar, re-select the transaction and wait for the loading to be completed before you proceed. If this does not help, please try clearing the browser's cache before you log in again.

What is a Digital Certificate and how does it help to ensure security?

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Digital certificates are issued by certification authorities to authenticate a Web site or elements of Web sites. The certificate identifies the originator of the site, or element, and verifies that it has not been tampered with. When your Web browser is presented with a certificate, it will check to see if a legitimate certification authority issued the certificate. If there is a match, your session will continue. Otherwise, your browser will issue a warning and your safest action is to cancel your activity

What should I do if I see 'This program has performed an illegal operation' on my PC?

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This is commonly known as GPF (General Protection Fault). You'll have to restart your browser. If the problem persists, please consult your PC vendor.

What should I do if my Internet Explorer frequently hangs?

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If you encounter problems while accessing Internet Banking using Internet Explorer, you may need to upgrade your browser or update it with the most recent fixes from Microsoft to keep it running smoothly. Keeping your browser updated is also likely to protect your computer better as the latest fixes and patches will also address known security weaknesses.