Customer Awareness & safety

“Dear Customer, Never ever share your Jaoli Bank Rupay Debit Card number, expiry date, CVV, PIN, OTP, Password with anyone. This can be misused. Bank never asks for such details.-DMK JAOLI BANK”.

DMK JAOLI BANK has ensuring safety of our site www.jaolibank.in . We have use 256 bit Secure Sockets Layer (SSL) encryption technology to secure your DMK JAOLI BANK Site.

You can check the security certificate on our website, www.jaolibank.in by clicking on the padlock icon that appears with the URL in the browser bar when you type the URL  www.jaolibank.in.

RBI initiative to customer awareness

RBI’s Financial Education Initiative

  • Make sure the welcome kit that you receive along with your new DMK JAOLI BANK Card is sealed. If not, contact to Branch of DMK JAOLI BANK immediately.
  • Destroy the PIN mailer after memorising your PIN to ensure your DMK JAOLI BANK Card PIN is safe.
  • Never write down your PIN or disclose it to anyone.
  • Ensure your card is swiped in your presence every time you make a transaction. Check the amount in your charge-slip before signing.
  • Check all the details and the final amount on the charge-slip before you sign it. Draw a line through blank spaces on the charge slips above the Total Amount to prevent any changes in the amount after you have signed it.
  • Make sure to collect your card, after you have made any transaction.
  • Review your debit card statements on a timely basis. Report disputed transactions with the DMK JAOLI BANK Card helpline immediately. Please call:
    • 022-23805050
    • Call or visit to nearest branch of DMK JAOLI BANK
  • Do not courier your debit card.
  • Do not issue signed blank cheques towards your debit card payment.
  • Do not share or lend your debit card to anyone.
  • Destroy your debit card receipts before discarding them.
  • Cut the card diagonally into pieces to dispose of your old debit card at the time of renewal, up-gradation or cancellation.
  • Do not handover your DMK JAOLI BANK debit card to anyone including Bank’s representatives.
  • Never give a photocopy of the reverse of your debit card to anybody.
  • Switch your magnetic stripe card to EMV Chip and PIN card for enhanced security against counterfeiting and skimming.
  • Make a list of card numbers, card expiry dates and help line numbers of your debit cards. Keep this record in a safe place, separate from where you keep your debit cards. Use this information if you ever have to report your card as lost or stolen.
  • Keep the customer service helpline number handy with you, so that you can contact them immediately and avoid misuse, in case your card is lost or stolen.
  • You can call DMK JAOLI BANK Card helpline at:
    • 022-23805050 or Call/ visit to nearest branch of DMK JAOLI BANK

Alerts

  • Ensure that your mobile number is updated and registered for instant transaction alerts. Check transaction SMS alerts regularly and report disputed transactions immediately.
  • Ensure that you have updated your mobile number, contact address and email ID in our records. Whenever you update or change your mobile number in our records, we send the intimation of the same to your number.

Protect your computer

  • It is important that the computer you use to online trading is malware free to check the risk of fraud and information theft. The malicious software can infect your computer, delete or corrupt your files and allow others to access your confidential data. We also recommend that you should keep a back-up of your important data, in order to protect your vital information in case of virus infection, damage or theft of your computer.
    • Install and activate anti-virus and anti-spyware software and update them regularly. We also recommend that you also install a firewall.
    • Choose automatic update option for your software so that they are always up-to-date and can handle newer threats.

Protect your card while shopping online

  • Ensure that you have registered your mobile number with DMK JAOLI BANK Card. We send you a One Time Password (OTP) for all your online transactions on your mobile no. registered with us.
  • Always shop, pay your bills or make any other kind of transaction on reputed e-commerce sites only
  • Check all e-commerce site for secure symbols like ‘https://’ or the padlock icon before transacting. The presence of these features tells that that particular site is following the necessary standards of safety, needed for secure online transaction.
  • Type the URL of the site you want to browse in the browser bar and avoid accessing it through links sent in emails.
  • Never update your account details in a pop-up window.
  • Beware of sites or offers that ask you to verify the confidential account details.
  • Do not respond to emails or SMS asking for your DMK JAOLI BANK Card details. Also, beware of sites that ask you for your card details or online credentials.  These could be a phishing attempt aimed at getting your card details and other sensitive information by posing to be from a credible source.-
  • Use a virtual keyboard, if available, while entering your personal or debit card information while making any online transaction. Virtual keyboards are uniquely designed to provide secured online transactions.

Secure your mobile

  • Keep your mobile device, password protected.  You can also check the security settings on your smart phone to put a Security PIN on your SIM Card. Setup your device to lock automatically.
  • Install the security software from a reputed provider.
  • Access and download websites and mobile applications that are reputed.
  • Be careful when you allow a third party unsigned application to access your personal information.
  • Do not click on links, you find unsolicited, unexpected or strange.
  • Check your mobile bills properly for unusual data charges or premium call rates.
  • Update your mobile operating system regularly.
  • Understand the Wi-Fi and Bluetooth modes of connectivity. To access your bank or debit card account on your mobile, use an encrypted network that is password protected. Avoid online banking or financial transactions in busy public areas.
  • Ensure you have deleted all your personal information from your mobile phone, when you recycle your device.
  • The features that make your mobile device (phones, tablets, etc) ‘smart’ also make it susceptible to viruses and malicious software. If your device is not secure and it is lost or stolen, your personal information, including passwords, banking details, emails and photos could be used to access your money or to steal your identity Always shop from reputed online shopping sites.

Keep your DMK JAOLI BANK Card online account information safe

  • It is recommended to keep different log in credentials for your social networking sites and DMK JAOLI BANK Card for online transactions.
  • You must never share your personal information such as, username, PIN, CVV number given on the back side of your debit cards, etc. on social media sites.

Protect your DMK JAOLI BANK Card online account from frauds

Phishing

  • What is Phishing?
    Phishing is an act of attempting to acquire information such as user names, passwords, and debit card details by disguised entities with malicious intent. It can be in the form of an email, SMS, website screen or pop-up that appears to be from your bank or card issuer. Please note that we will never ask for any confidential data like login credentials, password, One Time Password (OTP), CVV or PIN.

Follow these simple steps to protect yourself:

  • Do not disclose your CVV, One Time Password (OTP), online account ID and password or any other sensitive information to anyone, including DMK JAOLI BANK Card representatives.
  • Do not open attachments in emails coming from strange or unknown sources, as they may contain virus or Trojan, which transmit keyed-in details to phishers.
  • Type the web address in the browser whenever you intend to visit the DMK JAOLI BANK site. Do not use links provided in emails sent from unknown resources.
  • Change all your passwords frequently and from your personal computer.
  • Avoid the use of cyber cafés and public kiosks for online transactions or for accessing any online account.
  • Log out from your account and then close the browser window, after completing your transaction.
  • Check the last log in date and time details in your online account everytime you log in.
  • Register your email and mobile number with DMK JAOLI BANK Card so that you can get regular alerts about your account.
  • Check your DMK JAOLI BANK Card statements properly for any suspicious transactions. If you ever notice any unauthorised transactions, immediately report the same to DMK JAOLI BANK Card helpline.
  • Install effective antivirus, anti-spyware and personal firewall on your computer and mobile phone and update them regularly.
  • Check the site you want to transact on for secure symbols like https:// or the padlock icon.

Skimming

  • What is Skimming?
    Skimming is the theft of debit card information through a legitimate transaction.
    The debit card number and/or details are procured using basic methods such as photocopying receipts or more advanced methods such as using a small electronic device called skimmer to swipe and store hundreds of such debit card numbers. Skimming can be conducted at restaurants, bars, gas stations and retail counters where the physical use of card is done.
  • How to prevent your card from getting skimmed: Review your debit card statements properly and regularly. If you ever observe a disputed or suspicious transaction, report the same to our helpline immediately
  • Remember to collect your card after transaction.
  • Do not handover your DMK JAOLI BANK Card to anyone including Bank representatives
  • Cover your keypad while you are typing in your PIN number. Use your hand and body to cover your keypad when operating a handheld pin-pad or a payment processing machine like an ATM. This will prevent shoulder surfers and pinhole cameras from observing your PIN number
  • Always ensure that your card is swiped in your presence. Pay at the terminal instead of giving your card to a waiter for payment processing, after dining at restaurants.

Vishing

  • What is Vishing?
    Vishing is a combination of Voice and Phishing that uses Voice Over Internet Protocol (VOIP) technology, wherein, fraudsters attempt to collect your personal data, pretending to be calling on behalf of your bank or debit card company.

Please note that we will never ask you for any confidential data like debit card CVV, PIN, login credentials, password, One Time Password (OTP), etc.

If you have any suspicions about any such request being made to you, please call up the helpline to confirm the request.
You can call the DMK JAOLI BANK Card helpline at: 022-23805050

Contact us if you suspect any fraudulent activity or transaction in your account, please call our DMK JAOLI BANK Card helpline.

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