Most bank websites use various means for ensuring security for account accessibility and operability - however, most security techniques are not hacker-proof. Asking personal questions was a method initiated by e-mail address providers and has disappointingly been adopted by banks as well. It has ceased being a useful strategy.
What online business banking now relies on is digit coding. Typing in a first password and subsequently a 5-8 digit code - issued automatically by a token device allowing for a short time lapse - acts as a secondary code which only the person holding the token received from the bank can view. It is an additional security aid that banks use in order to provide safer services. Whenever using a token based access website, make sure you are actually accessing the bank’s website and not a fake copy of the site stealing your access code and forwarding it to the hackers’ database. Security issues are a high priority for banks; national security guidelines try to implement new techniques whenever large scale successful phishing attacks are signaled.
