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Banking Security

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Lindley:
Hi All,

Been following the post below -" Most secure operating system?" which is one for the most clued up folk, but not much help for the average user.

Wondered what advice there is for increasing our online banking security method ?

We are using an old  laptop just for banking, it has a 'clean' W10 v1909 install, with all the Windows settings set for maximum privacy.

Our main bank strongly suggests we use Trusteer Rapport, so that limits us to using Firefox, Chrome or Edge, though we just use Firefox.
( we did ask our bank about using Linux, but they said it was not one of their tested systems , so could not comment)

Other than Firefox we only have Defender running along with PrivaZer cleaner and use free scanners like Malwarebytes,Sophos and Eset.

We do not use Email on it, but do have Sumatra PDF reader to view statements etc and Libre Office to keep our 'books' in order.
 
No web sites are accessed other than the pre defined banking sites.

Could we do better within our limited abilities/knowledge ?   any advice appreciated .

jfiresto:
Has your bank set you up to use Transaction Authentication Numbers (TANs)? Mine happened to call me this morning, to finish setting up a two-factor authenticated account using a TAN generator reading QR codes from whatever browser I am using. The generator is a separate, hand held unit tied to my bank card, like the one you see in the middle of this image:



The generator is supposed to secure transactions even if the computer or data link have been compromised.

Lindley:
Hi,

Yes, thanks,  our main bank does use a system similar to yours, but other financial places like credit card providers are  not always as secure, though they are now starting to provide more safeguards.

It was more if we can make our PC or our methods any more secure, like ensuring we only use wired connections, ( which we do) and not wifi.

We have tried Paid for Security suites in the past, but are we just making our details more available  for to them to harvest ?

MarkR42:
Sounds like the steps you've taken so far are very good, far better than most people.

The main way to prevent nearly all banking attacks, is to

* Not have your endpoint compromised - which in practice means not downloading malware, which means you're already ok. Definitely don't let kids play games or download all sorts of stuff on it. Malware typically contains keyloggers or remote control apps.
* Not fall for phishing attacks of various types - where attackers contact you to try to gain control by social engineering, etc.

Of course it's pretty inconvenient not having email on the same machine as banking, but I suppose, you can't be too careful.

Also watch out, for a machine that you only power on occasionally, has a lot less time to do updates and may get behind. Especially with e.g. Windows or Firefox which will usually only install updates if you restart them, not if you just keep the machine in a power-saving (hibernated etc) mode.

Paid security suites only attempt to make things slightly safer if you are likely to get your endpoint compromised (e.g. detecting malware, blocking Bad Things from happening).

Lindley:

--- Quote from: MarkR42 on February 28, 2020, 02:46:29 pm ---

Also watch out, for a machine that you only power on occasionally, has a lot less time to do updates and may get behind. Especially with e.g. Windows or Firefox which will usually only install updates if you restart them, not if you just keep the machine in a power-saving (hibernated etc) mode.



--- End quote ---


Yes good point, though we have got into the habit of  starting  it up a hour before we visit any sites to do those updates as its such a slow machine  :D

Had though about VPN but not sure how the banks react if you try to contact them that way or, as have read in the magazines (web user/computer active, uk mags) , some VPNs are actually not that secure and can  have the data havested by the providers and others!

Not being obsessive, just don't want to miss any ways to keep safe, with such fast changing things its hard to keep up these days.

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