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What did you learn about your topic that surprised you the most

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While providing notifications or text message alerts bank always write last 4 digits of the account instead of first 4 digits. And in case of account disabled feature, they never ask to login online.

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Firstly, bank always knows the customer name while addressing any information related to his/her account. Secondly, instead of providing link they always provide the reference number or visiting branch request.

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Some personal experience of online banking users.

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Some personal experience of online banking users.

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Here in this video you can get to know that how they send you a simple text message and  how quickly access they our banking account. so the guy just explaining that he only receive the text that his account get frozen and you need to access it immediately. Although he doesn't have any account in TD bank. Its all about getting your banking information. After getting text, the only thing we have to do is to visit the branch or call the bank from becoming the victim. His personal experience suggests that this is one of the most scary scam and scammers will do whatever they want to after taking out all your money and you will be helpless.

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How hackers got the banking information..

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How hackers got the banking information..

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In this video, hackers reveal how they got bank information on the customers account. They easily encrypt the data and get access to the account and companies won't be able to identify the scam.  They also mentioned how they use an algorithm to get account numbers while posting to the regular customers account about the reset of the password details. There is also another term known as spear Phishing which is linked to the mail ids and contacts and their friends also become part of this fraud. The bank employees in this video explained that they have personally called the affected customers and reimburse their losses and provided the security options about free monitoring services of their accounts.

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Hackers reveal how they got bank information

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To get protected from online banking scams the given video explains few tips. Firstly, antivirus and internet firewalls tools can be installed to protect against malicious software on the computers and on mobile phones. It also suggests to download apps from your bank or certified app store application and also advises to be alert and cautious while using outside WiFi as hackers can easily hack you personal information. For more protection, change passwords on regular basis and explains how to choose correct password. It is also suggested to check financial transactions frequently and get alerts and notifications from the prescribed bank.

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How to pay employees through online banking

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How to pay employees through online banking

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This video describes how to pay your employees and vendors with the help of online banking. A set up has to be completed and the required information to be filled about the employees and vendors.
An account information is to be needed and all other details in order to set up the pay form and click save and continue. After that due dates and amount to be paid is selected and set the default dates. Check the details and confirm the transactions by clicking confirm. In this way, transactions get completed and you are done with the process. It is really a helpful tool for the businesses and saves time and money from doing paperwork.

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Online Banking for business: Pay Employees and Vendors

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Hi everyone, in my wall i am going explain very briefly pros and cons and how to be alert and safe from the online scams about the online banking. secondly the best way to use the online banking and how we can protect our password and other information from the dishonest schemes.

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From the last few years,  the trend of online banking has become a boom for the country, because of some specific reasons as compared with the traditional banks you will be getting high interest rate, beside this they do not charge any additional fees for making any transaction and transfers between accounts, no need to pay any amount for checking your account statements. On the other hand, it is available 24x7 for the convenience of the people and lastly, most of the time you need to answer the security questions for accessing the account, that prevent your banking from unknown persons.

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Finding a good deal on a checking or savings account is becoming more difficult with banks charging higher fees. Over the last few years, online banking has become a popular alternative to brick-and-mortar banks but it's not right for everyone. If you're thinking about moving your accounts, there are a few things you need to keep in mind. Here's a breakdown of the pros and cons of trading in your traditional bank for a virtual banking experience.

Online Banking Pros
1. Higher Interest Rates
One of the biggest advantages you'll get with online banking is a slight bump in interest rates for both checking and savings accounts. While most traditional banks are currently offering rates ranging from around 0.10% to 0.50%, you can find online checking and savings that feature slightly higher rates of 0.9% to 1%. While it doesn't seem like much, the rates offered by some of the best savings accounts can add up in the long run, especially if you're keeping a lot of cash in your account.
2. Fewer Fees
Another benefit of doing your banking online is that you may be able to save more on fees. With a traditional bank, you may be on the hook for a wide range of fees, including minimum balance fees, direct deposit fees, late fees, over-limit fees, check fees and debit card fees. Because online banks tend to have lower operating costs, you typically won't have to shell out as much for all these little charges.

Some online banks will also cover ATM fees, regardless of where you make withdrawals. Just be sure to read the fine print since you may only get credit for a certain number of transactions each month.
3. Convenience
The great thing about online banks is that they're always open which means you can access your accounts any time, anywhere. You can set up automatic transfers, schedule bill payments or check your balance using mobile banking apps. Some online banks even allow you to set up mobile text alerts to help you keep track of payments or notify you if your balance is getting low. While many traditional banks offer these same services, they're not available everywhere which can be a hassle if you need to be able to bank on the go.
4. Security
A common myth about virtual banking is that it isn't as safe as traditional banking. In reality, banking online doesn't necessarily increase the risk of your personal information or your money being stolen. Online banks take the same security measures as other banks to protect your data, including using encrypted websites and requiring you to enter a personalized code to access your information. As long as you choose a bank that's insured by the FDIC, you're covered for losses up to $250,000.

Downsides of Online Banks
1. Deposits Can Be a Hassle
Without a physical location, adding money to your account can be a challenge. Depending on which bank you choose, you may be able to mail deposits in, make wire transfers or make eDeposits. An eDeposit is when you just take a picture of the check and upload it to your account using a smartphone app. It seems simple enough but if you prefer handing your check over to an actual person for deposit, online banking may not be the best choice.
2. Less Personalized Service
One of the good things about traditional banking is that it gives you the opportunity to build a personal relationship with the person who handles your cash. With an online bank, customer service is typically handled over the phone or online which means you don't get that face-to-face interaction. If you prefer to handle problems with your account with someone who knows your financial background and banking history, you may be better off sticking with your local bank.
3. Technological Challenges
Online banks design their websites to make navigation as easy as possible for their customers but it can take some time to adjust if you're not used to virtual banking. If your bank decides to upgrade their site or redesign the format, you may find yourself back at square one the next time you log in.

Online banking offers some definite advantages over traditional banking but it really comes down to how comfortable you are with what it entails. If you know your way around a computer and you won't miss being able to pop into your local branch then it may be time to make the switch.

Update: Have more financial questions? SmartAsset can help. So many people reached out to us looking for tax and long-term financial planning help, we started our own matching service to help you find a financial advisor. The SmartAdvisor matching tool can help you find a person to work with to meet your needs. First you'll answer a series of questions about your situation and goals. Then the program will narrow down your options from thousands of advisors to up to three registered investment advisors who suit your needs. You can then read their profiles to learn more about them, interview them on the phone or in person and choose who to work with in the future. This allows you to find a good fit while the program does much of the hard work for you.
Photo credits: ©iStock.com/ultramarine5, ©iStock.com/shapecharge, ©iStock.com/simonkr

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Online vs. Traditional Banks: Which Is Better? | SmartAsset

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Finding a good deal on a checking or savings account is becoming more difficult with banks charging higher fees. Over the last few years, online banking has become a popular alternative to brick-and-mortar banks but it's not right for everyone. If you're thinking about moving your accounts, there are a few things you need to keep in mind.

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We can pay our bills online, when ever you want and there is no need to fill the information every time, there is no fee for paying the bills. Any time you can view your transaction details and your account statement as well, no need to go bank for any kind of information. Beside this you can view and change your personal information like password and address. The protection of account also can be done online regularly check the credit card transaction details. The most important part is we can transfer money between account and as well as international. With online banking we can reduce the extra usage of paper and can save our nature.

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You can use your bank's online site to pay your bills and protect yourself from having your check get lost in the mail. Most banks will have a section in which you set up payees. You will need to fill out the information once, and then you can simply choose that profile every time you pay a bill online.

If your bank will not pay bills online, you may consider paying through the company's website. Be careful since some of these companies may charge a convenience fee. Some places will charge a fee for a debit card, but not if you set up a direct debit.

If you access your bank's website on your mobile phone, the bank's app typically allows you to deposit checks with just a snapshot of the document. This means that you can handle all of your banking without ever going to the bank. However, keep your eyes open for any convenience fees associated with online bill pay.

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You can use your bank's online site to pay your bills and protect yourself from having your check get lost in the mail. Most banks will have a section in which you set up payees. You will need to fill out the information once, and then you can simply choose that profile every time you pay a bill online.

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if we talk about the technology, there is no doubt it makes our life easier but still some cons too. When we are accessing our bank account online it can be affected by slow down of internet and some time bank server down and for some time unavailable. Secondly, the online security information theft and account hacked is the biggest problem. Limitation of deposit money online or some time the problem face in scanning the cheque. Beside this limited source of services online like if you need to make an application for mortgage or any other account related need to visit the branch.

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Online Banking Disadvantages

Online banking via personal computers and mobile apps on cellphones has made banking more convenient and accessible 24 hours a day. However, there are some downsides to online banking. While these disadvantages may not keep you from using online services, keep these concerns in mind to avoid potential issues down the road.

Technology and Service Interruptions

Anytime we use computers or internet service, we are at the mercy of the system's stability and efficiency. Your ability to access accounts online will naturally be affected if your internet service is running slowly or completely out for a period of time. Similarly, if the bank's servers go down or are temporarily unavailable due to scheduled site maintenance, you won't be able to gain online or mobile access to your banking information.

Security and Identity Theft Concerns

In general, online banking sites and mobile apps are designed to be secure and banks are continually putting updated security protocols in place. However, no system is completely foolproof and accounts can be hacked, resulting in identity theft via stolen login credentials. So while you can use mobile or online banking with general confidence, be careful to avoid using networks that are not secure and be careful to change passwords and protect your login information.

Limitations on Deposits

Daily or monthly mobile deposit limitations may make it difficult for individuals, but especially businesses to make large deposits online. Once you have reached your designated limit, you'll need to trek to a branch to deposit money. Also, not all types of checks are easily read by computer scanning software. For example, business checks that are handwritten and have a black line on the reverse side to make a carbon record in an account register may be kicked out of the online deposit system, requiring an on-site deposit.

Convenient but Not Always Faster

While it may take very little time to deposit a check via a bank's mobile app, you still need to wait for access to your money. Online banking provides convenience in terms of the amount of time saved in travel or waiting in line at a branch location, but all deposits are reviewed and funds are released for access according to bank policy, which may take up to three business days depending on the amount deposited.

Lack of Personal Banker Relationship

For the most part you may be able to handle your general banking needs by yourself. Yet when problems arise if you don't have a personal relationship with a banker, it might be more difficult to get your issues resolved. While online banking sites have customer service departments, you often need to work your way through a phone tree and wait on hold before speaking with someone who has no knowledge of your needs or banking history. In contrast, a local banker is motivated to serve their customers and strengthen their personal relationships.

A Limited Scope of Services

Although you can do quite a bit with an online bank account, such as make deposits, check balances and pay bills, there are limitations to the kinds of services you can access. You may be able to make an initial application for opening a new account or applying for a loan or mortgage, but in most cases you will need to visit a branch to sign forms and show identity documentation. Similarly, even though you can transfer money to a checking account or debit card in order to make purchases, if you need cash, you'll have to visit a branch office or a nearby ATM.

Potential to Overspend

The ability to check account balances in the spur of the moment could potentially cause some people to overspend the limits of their checking accounts. Without a careful look at your checkbook or record of uncleared debit transactions, the account balance may not accurately reflect the true amount you have available. Overdrafts and fees might occur if you don't keep close tabs on all your transactions.

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For many, online banking has made a trip to the local bank a thing of the past. However, online banking has some disadvantages such as security concerns, system interruptions, inability to access a breadth of bank services and lack of personal care, leaving others to stick with on-site bank visits.

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Nowadays, online banking scams are becoming very popular especially with those people who are not aware about these fraudulent terms and that money will never be retrieved. These scams do not have any protection and the people itself are responsible for these things. Scammers get successful to convince the victims by making cheque deposit in the account and when the victims get to know about these scammers will
disappear. Some of the common scams are:
1. Cheque over payment scams
2. Credit card and bank account scams
3. Charity scams
4. Online lending scams
5. Employment scams
6. Award scams