Alternative Channels Security

Stay Alert !

when using any alternative banking channels,

Mobile Banking

You need to be aware of and take precautions regarding security issues with smartphones. You could still be at risk if not properly protected. Below are some methods by which you can stay protected while enjoying the benefits of mobile advancements:
1. Password protect the mobile phone. It is recommended to set the maximum number of incorrect password submissions no more than three. Choose a strong password to keep your account and data safe.
2. Review your account statements frequently to check for any unauthorized transactions. Change your Mobile PIN / Internet PIN regularly
3. Don’t click on links embedded in emails/social networking sites claiming to be from the bank or representing the bank
4. Don’t transfer funds without due validation of the recipient, as funds once transferred cannot be reversed
5. Don’t store sensitive information such as credit card details, mobile banking password and user ID in a separate folder on your phone
6. Don’t forget to inform the bank of changes in your mobile number to ensure that SMS notifications are not sent to someone else
7. Be cautious while accepting offers such as caller tunes or dialer tunes or open/download emails or attachments from known or unknown sources. Be cautious while using Bluetooth in public places as someone may access your confidential data/information
8. Be cautious while using Bluetooth in public places as someone may access your confidential data/ information

Phone Banking

1. While talking to the Phone Banking officer, never disclose the following:
Four digit ATM/IVR PIN
OTP
Internet Banking password
CVV (Card Verification Value)
2. Avoid giving verification details to the Phone Banking officer while in public places
3. The Phone Banking channel is meant to be used by the account holder only. Do not transfer the line or hand over the phone to any other person after you complete self-authentication

ATM Banking

1. Memorize your ATM PIN. Do not write it down anywhere, and certainly never on the card itself
2. Do not share your ATM PIN or card with anyone including Bank employees, not even your friends or family. Change your PIN regularly
3. Stand close to the ATM machine and use your body and hand to shield the keypad as you enter the PIN. Beware of strangers around the ATM who try to engage you in any conversation
4. Do not take help from strangers for using the ATM card or handling your cash
5. Do not conduct any transaction if you find any unusual device connected to your ATM machine
6. Press the 'Cancel' key and wait for the welcome screen before moving away from the ATM. Remember to take your card.
7. In case if you opt to get a transaction slip, shred it immediately after use if not needed
8. If your ATM card is lost or stolen, report it to Hayakom, 24-hour service, by calling from Kuwait on 1812000 or from abroad on +965 22467711
9. Register your mobile number with the Bank to get alerts for your transactions
10. If your card gets stuck in the ATM, or if cash is not dispensed after you keying in a transaction, call to Hayakom, 24-hour service, by calling from Kuwait on 1812000 or from abroad on +965 22467711
11. If you have any complaint about your ATM/Debit/Credit card transaction at an ATM, call to Hayakom, 24-hour service, by calling from Kuwait on 1812000 or from abroad on +965 22467711
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