- Simple steps to ensure your safety banking experience
For your safety and convenience while banking with our Internet and Mobile Banking facility, please always be cautious and wary of things or acts, such as “phishing” which conducted by irresponsible group of people.
Phishing is an illegal action to get personal information such as User ID, PIN, account number, and/or ATM card number and use it in purpose of fraud and criminal action.
Phishing can be done in several ways, for instance:
- Using a fake email address to request account data with reason of repair / upgrade the system or verification reasons.
- Using a fake website that is similar to the official website of the Bank Commonwealth.
- Send a filling form to gather customer’s data such as ID details, PIN, account number, and/or ATM card number.
- An unauthorized request to “Synchronize Token” while logging in to Internet Banking or Mobile Banking
To make sure your account and transactions are always safe from Phishing, here are several tips to prevent the activity:
- Always visit official website of Bank Commonwealth by directly typing www.commbank.co.id on browser’s address bar. Do not click any link attached to unofficial email on behalf of Commonwelath Bank.
- Make sure that you have updated anti-virus and spyware and always do routine system scanning.
- Never share your PIN or password through email, phone, or SMS to anyone (including one who identified himself as authorized bank’s employee).
- Never be tempted to do “Synchronized Token”
- If you receive suspicious email, call, or SMS on behalf of Bank Commonwealth, do not hesitate to phone Call Commbank 15000 30 to verify.
- Avoid using shared wi-fi connection while using Internet or Mobile Banking.
- Using ATMs
Let us be aware of ATM frauds and be alert of its warning signs by understanding this ATM skimming info.
What is ATM skimming?
ATM skimming is when someone illegally copies your account details from the magnetic strip on your credit or debit card when you use an ATM. Card skimming can also happen when you use EDC machine while doing payment on a merchant.
The fraudster then uses your details to create a fake or ‘cloned’ card. In most cases, they use the fake card and PIN to withdraw money from an ATM either within Indonesia or overseas.
How do skimming devices work?
For ATM skimming, a fraudster attaches:
- Skimming device over the card entry slot to capture your card details, and
- Camera to see the keypad and capture your PIN.
For EDC skimming, the fraudster captures your card details and PIN by replacing a genuine EDC device with a tampered device which looks and works like a normal EDC device.
EDC skimming is difficult to detect and will not be identified until we, or you, find irregular transactions on your account.
What is the Bank Commonwealth doing to protect customer’s account from ATM skimming?
We take card skimming very seriously and use leading edge technologies that:
- Monitor ATM machine 24 hours and detect if someone has attached a skimming device to an ATM. If so our Security will immediately go to the location to completely check the ATM machine and ensure the skimming device is found,
- Monitor and analyze your transactions 24 hours a day. If a suspicious transaction is found, then one of our fraud analysts will contact you to confirm the transaction and prevent any further losses.
We also constantly monitor both local and international fraud trends to make sure we are aware of the latest scamming developments.
Warning signs — what should customers look out for?
You can identify warning signs indicating ATM skimming through these:
- Does the ATM look like it normally does – can you see any unusual additions, marks or physical changes?
- Are there any signs that someone has tampered with the ATM? Please be alert when you see any glue residue, exposed wires, pieces of double-sided tape, etc.
- You notice something suspicious about the card slot on an ATM (e.g. an attached device).
- A shop assistant takes your card out of your sight to process your transaction.
- A shop assistant asks you to swipe your card through more than one EDC machine.
- You notice unusual or unauthorized transactions on your account statement.
If you notice any of these warning signs, DO NOT do any further transaction and contact Call Commbank 15000 30
- Debit cards
- Ensure the amount transaction on EDC machine is accordance to your amount of transaction.
- Keep your debit card in sight during a transaction and try not to let your card out of your sight when making a transaction.
- Cover your hand when entering your PIN to the EDC machine.
- Check receipts against statements carefully. Contact the Bank immediately if you find an unfamiliar transaction
- Transaction receipts should be kept secure. Store your statements, receipts and financial documents safely and destroy them, preferably using a shredder, when you dispose of them.
- Cut expired cards through the magnetic strip and/or chip when replacement cards arrive, because the magnetic strip equipped customer data electronically that must be immediately destroyed.
- If any activity during the transaction concerns you, please contact us immediately by visiting our nearest branch or calling our Call Commbank at 15000 30.
- Keep in a safe & secure place.
- Don't give your passbook to another person.
- Never pre-sign withdrawal forms.
- Immediately notify the Bank if your passbook has been lost or stolen by contacting our nearest branch or calling our Call Commbank at 15000 30.
- Creating a secure password
In order to do transaction either from ATM / Internet Banking / Mobile Banking Bank Commonwealth, Here are some tips to protect your PIN:
- Change your PIN regularly to avoid unauthorized party to access your account. You can change your ATM PIN through Bank Commonwealth ATM Machine and please find how to change your Token PIN in Token.
- Please ensure that you do not tell anyone regarding your ATM or Token PIN.
- Please avoid using same PIN number for all of your financial transaction purposes either through ATM or Internet Banking.
- Do not use your User ID number as your PIN number
- Please avoid using PIN number according to your birthday date or sequential numbers (123456) or repetition numbers (33333).
- Do not write down your PIN number on paper or any other media that could be read by others such as on computer hard disk or your cellular phone. It is better to memorize it than to write it down. Our staff would not ask for your PIN number, even more to have your confidential information shared through unsecured media such as e-mail. Please be aware of e-mail asking your confidential data related to your Account number / User ID / Card Number / PIN number.
- Check your account regularly and please contact Call Commbank soon if you notice any suspicious activity from your account and change your PIN.
- Mobile phone security tips
Mobile phones offer you the convenience of managing your share portfolio, transferring funds and completing your everyday banking needs wherever you are. It is important to remember that you should be cautious about how you use your mobile, and that, just like a computer, your mobile needs to be kept secure to protect you from identity theft or fraudulent transactions.
Some simple security steps you should take include:
- Use the official CommBank mobile application and log out after every session
- For Android User, customer is able to download the application through Play Store by searching “Commbank ID” .
- For iPhone/iPad user, download the Bank Commonwealth Mobile Banking Application through Appstore by searching “Commbank ID” then download the application to your mobile phone.
- Bank Commonwealth Mobile Banking Application equipped with Security Socket Layer to ensure your safety, but we recommend you to have appropriate anti-virus/spyware software installed on your mobile phone.
- Never allow application or files to be installed from unknown sources particularly on smartphones/tablets
- Avoid using public networks such as Wi-Fi networks to complete your online trading or banking transactions
- Only do your banking transactions via wireless hotspot if you are certain of the integrity of connection
- Set up a password or passcode on your phone or tablet and keep it locked when you’re not using it. Ensure that only you have access to the password or passcode.
- Delete any old messages which may contain information from financial institutions
- Be aware of people looking over your shoulder when entering your Token PIN when using Mobile Banking Application.
- If you receive a suspicious text messages regarding your account, please contact CommBank immediately to confirm its authenticity
- Do not respond to text/email or phone requests to provide your Client Identification Number and/or password
- If you sell your phone/tablet or give it away, make sure you complete a factory reset to clear all your content from it.
- If your phone is stolen, tell your provider straight away to block the number. You should then change any passwords for online accounts you access through your phone as soon as possible.Keep your profile contact details up-to-date so that we can contact you if we suspect any suspicious activity on your account.
- If you lost your Token please contact Bank Commonwealth through Call Commbank at 15000 30.
- Internet Banking security tips
Some simple security steps you should take include:
- Avoid using unprotected PC or public terminals such as cyber cafes.
- Never leave PC unattended when on internet banking in public place.
- If you visit a website through your mobile or tablet and the URL looks suspicious, close it down straight away. Please be aware that the link to Bank Commonwealth internet banking starts with HTTPS (Hypertext Transfer Protocol Secure) for secure communication over a computer network.
- Never reply to emails or any the telephone to anyone (including reasons identifying themselves as Bank personnel) asking for your password or PIN
- Visit Bank’s website by typing the URL into the address bar and not by clicking a link in an email
- Log off and close your browser when you have finished using internet banking
- Ensure you have an up-to-date anti-virus and spyware program and perform regular scan system
- Protect your Token including your username and password
- Immediately notify the Bank if your Token has been lost or stolen by contacting our nearest branch or calling our Call Commbank at 15000 30.
- • How to clear cache click here
For any further inquiry, please contact our nearest branch or Call Commbank 15000 30.
As our customers, you can remain confident that Bank Commonwealth is backed by committed banking professionals.
We would like to thank you for banking with us and your continued support of Bank Commonwealth.
"Always BE CAUTIOUS before conducting Banking TRANSACTIONs. IF THERE IS ANY PROBLEM/SUSPICION, IMMEDIATELY CONTACT CALL COMMBANK 15000 30"