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Safe Banking Practices
– Customer Awareness
Shiva Sahakari Bank Niyamita, Davangere

Shiva Sahakari Bank Niyamita urges all customers to follow safe banking practices to protect their accounts, money, and personal information. Staying alert and informed is the best defence against banking frauds.

  • The Bank never asks for ATM PIN, debit/credit card number, CVV, OTP, Internet/Mobile Banking password, or account details.
  • Do not share such information with anyone, even if they claim to be bank officials.
  • Never respond to urgent calls, messages, or emails asking for verification or updates.
  • Do not click on suspicious links received through SMS, email, WhatsApp, or social media.
  • Delete unknown or suspicious messages immediately.
  • Fraudsters may impersonate bank staff or trusted organisations—always verify before acting.
  • Use banking services only through the Bank’s official website and authorised mobile apps.
  • Avoid using public computers or unsecured Wi-Fi for banking transactions.
  • Always log out after completing online banking sessions.
  • Keep your ATM/debit card and PIN confidential.
  • Cover the keypad while entering your PIN at ATMs.
  • Inform the Bank immediately if your card is lost, stolen, or misused.
  • Create strong passwords and change them regularly.
  • Do not write down or store passwords on your phone or computer.
  • Monitor your account statements and SMS alerts regularly.
  • Keep cheque books and passbooks in a safe place.
  • Do not issue signed blank cheques.
  • Fill cheque leaves carefully and avoid overwriting
  • Report unauthorized transactions or suspected fraud immediately to your branch or the Bank.
  • Prompt reporting helps in preventing financial loss.
Remember
  • Your awareness is your protection.
  • Safe banking starts with you.