green hectares rural tech workshop – online banking

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Online Banking

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Page 1: Green Hectares Rural Tech Workshop – Online Banking

Online Banking

Page 2: Green Hectares Rural Tech Workshop – Online Banking

[email protected]

[email protected]

THESE MATERIALS ARE COPYRIGHTED WITH ALL RIGHTS ARE RESERVED. THIS DOCUMENT MAY NOT IN WHOLE OR IN PART BE COPIED, PHOTOCOPIED, REPRODUCED, OR REDUCED TO ANY ELECTRONIC MEDIUM OR MACHINE-READABLE FORM WITHOUT PRIOR CONSENT, IN WRITING, FROM ZEPHYR SOFTWARE TRAINING LTD. AND GREEN HECTARES CORP.ANY SOFTWARE, COMPUTER, AND PRODUCT NAMES MENTIONED ARE MANUFACTURER AND PUBLISHER TRADEMARKS AND ARE USED ONLY FOR THE PURPOSE OF IDENTIFICATION

Entrust is a registered trademark of Entrust, Inc.

Firefox is a registered trademark of Mozilla Corp.

INTERAC is a registered trademark owned by Interac Inc.

Microsoft, Outlook, and Windows , are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries.

Safari, Mac OSX and Apple are trademarks of Apple Inc., registered in the U.S. and other countries.

VeriSign is a registered trade mark of VeriSign, Inc.

Wikipedia is a registered trademark of the Wikimedia Foundation, Inc.

Page 3: Green Hectares Rural Tech Workshop – Online Banking

What are Cookies?“Cookies” are information that a website puts on your hard disk so that it can recall something about you at a later time.If you are going to Bank online, you will need to enable Cookies.

Page 4: Green Hectares Rural Tech Workshop – Online Banking

Security TipsImportant!  Never send personal identification numbers or confidential information in response to unsolicited email.

When you connect to the Internet, the Internet also connects back to you. Even before you connect to a Bank's web site, someone out there could potentially get access to your computer. Also, as you surf the Internet, there is a trail of information left behind. This is done through your computer’s ‘cache’ and ‘cookies’ mentioned later in this workshop.

Page 5: Green Hectares Rural Tech Workshop – Online Banking

What Banks do for Security

Banks:• use 128-bit encryption which ensures that data passing between your computer and their web server is secure.• use digital certificates issued by trusted third party companies• will log you out after approximately 10 minutes of inactivity.• use firewalls to protect your account information.•will NEVER ask you for personal or account information through email. Email messages are normally not encrypted or secure – you should not share sensitive information using email.

Page 6: Green Hectares Rural Tech Workshop – Online Banking

EncryptionEncryption is a technique used to help safeguard private information while it is sent via the Internet. To recognize that your transmission is encrypted, some browsers will display a small icon on your screen that looks like a padlock or a key, and the URL starts with "https" instead of "http" (the extra "s"). Most banks and online purchasing sites will use 128-bit encryption, which is a very high form of encryption. In order to use Online Banking, you must have a 128-bit encryption level browser.

Page 7: Green Hectares Rural Tech Workshop – Online Banking

What You Should do for Security• Verify your bank’s web address!• Keep your virus software up-to-date!• Antivirus updates come out approximately once per week.• Protect your computer by disabling File Sharing in Windows products.• Update your operating system, including security patches on a regular basis.• Always log off the site when you have completed your banking.• Clear your cache! (we’ll discuss this later!)

Page 8: Green Hectares Rural Tech Workshop – Online Banking

Logging in!Navigate to Log In or Sign In screen.Enter in Bank Card number. (You may be directed to another screen after entering in this information.)Enter in Password – whoa – let’s move to the next slide for this one!!

Page 9: Green Hectares Rural Tech Workshop – Online Banking

All about Passwords!For your first time on a bank site, you will be asked a number of security questions. These can be text-based or graphical or a combination of both.Your Bank will also provide you with a temporary password and when you first log in. You will be prompted to change this to your own password.

Page 10: Green Hectares Rural Tech Workshop – Online Banking

Account InformationAt each banking site there should be a main page that provides you information on your accounts once you’ve signed in. It may be called: Financial Summary, View Accounts, My Accounts, etc.These are all your account details: typically chequing accounts, savings accounts, mortgages, line of credit, credit card.

Page 11: Green Hectares Rural Tech Workshop – Online Banking

Add Billers/ Pay Bills1. The first step to paying bills online is to add billers to

your list.2. When you enter the name of the company be certain

to choose the correct account you will be paying.3. Enter in your account number and add the biller to

your list of billers. This list will remain until you delete them from your list.

4. To pay a bill, choose the biller from your list, enter in the payment amount, the date you want the payment to be processed and the account you want the payment to come from.

5. You will be prompted to confirm your selections and will be provided a reference number of your transactions, which you should record.

Page 12: Green Hectares Rural Tech Workshop – Online Banking

Transfer Funds from One Account to AnotherWithin the same bank, you can easily transfer funds from one account to another.Select the account that you want the funds to be transferred from and the account that should receive the funds and the amount to transfer.For most Banks this transfer happens immediately unless you choose to have recurring transfers that happen at regular intervals that you set.

Page 13: Green Hectares Rural Tech Workshop – Online Banking

Email/ Interac® Transfers

Please talk to your Bank, or read through the Disclosure Statements carefully before proceeding to use these features.This workshop will not be covering this information.

Page 14: Green Hectares Rural Tech Workshop – Online Banking

Going PaperlessIf you make changes to your accounts to not receive paper statement through the mail, you will most likely be able to view your statements and cheques online for free. You may be able to print statements for up to the previous 12 months.If you receive paper statements, and try to access this information through your banking site, you may be warned that you will be charged a fee.

Page 15: Green Hectares Rural Tech Workshop – Online Banking

MessagesThis is the safe way that your Bank will communicate with you. They will use their website based message system to send you messages. This is also a safe way for you to communicate to your Bank. To see if they have responded to your message your bank site will have a prominent icon letting you know that messages are waiting for you.

Page 16: Green Hectares Rural Tech Workshop – Online Banking

Log Out and Clear Your Cache and CookiesEach banking site will have a logout link. You should always log yourself out. The Bank will log you out after the site is idle for about 10 minutes, but your screen is still visible to others. ALWAYS log yourself out.

Page 17: Green Hectares Rural Tech Workshop – Online Banking

Purchasing Through Third Party Sites

Interac payments can be made through some websites and they will direct you to your Bank site to confirm the payment.

Page 18: Green Hectares Rural Tech Workshop – Online Banking

General Online PurchasingWith whatever method you choose to pay (Interac, VISA, MasterCard, etc.) every secure site will have an https and the lock or key icons to indicate that it is a secure and encrypted site.If the site does not have these features, you should not purchase from them.

Page 19: Green Hectares Rural Tech Workshop – Online Banking

Clean Your Cache and CookiesClearing your cache and deleting cookies require the same action.The cache leaves information on your computer from the sites you visited, so that your computer can process information from that site faster.Cookies provide the site with information so that the site will recognize your computer the next time it visits that site. It may record your likes and where you visit on their site in order to make informed marketing decisions in the future. Many times this information is harmless, but as with any feature, it can be abused.

Page 20: Green Hectares Rural Tech Workshop – Online Banking

Suspect Fraudulent Activity?Canadian Anti-Fraud Centre (CAFC)(a Canadian national call centre)Toll Free: 1-888-495-8501Toll Free Fax: 1-888-654-9426And/or to the Canadian credit bureaus:Equifax: 1- 800-465-7166Trans Union Canada: 1-877-525-3823