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Passwords
The Internet Banking service requires you to enter your customer user name and Internet Banking password each time you access the service. In addition you are required to answer one of three security questions which you set up during the registration process. You are referred in particular to the Terms and Conditions and the Rules of Use.
Important points to remember:
Keep your password and answers to security questions secret
Never leave your computer unattended while logged in to Internet Banking
Your password should contain a mixture of numbers and letters
Do not use your date of birth, telephone number, address, your name or the name of a friend or relative in your password
Change your password regularly
Do not use your Internet Banking password for anything else (eg. your answering service)
Ensure that you are not observed or heard entering you password (eg. screen reader software voices data entry and screen text to assist visually impaired users)
Public Computers
We recommend that you do not access your Internet Banking details from computers situated in public places such as libraries or Internet Cafés.
Important points to remember:
You have no control over the software installed on a public computer or the computer's internet connection therefore you cannot guarantee that your private information will remain secure
If you use your own computer/laptop to access our Internet Banking service in a public place you should look out for anyone who could be watching you
Email Scams
Spam Emails Spam emails are randomly sent to email addresses purporting to come from a company or an (unknown) individual and they might claim to contain urgent news, confirmation of a non-existent order, advice that charges will be made to a credit card or indeed any excuse to encourage the recipient to click on a link and visit a spoofed web site.
Visiting the web page with an unprotected computer and web browser allows the attacker to run malicious code on the user's PC, usually installing a trojan or keystroke logger . Should this happen, the attacker will gain full remote access to the PC which allows them to steal usernames, passwords, other personal information and to control the computer for other purposes such as sending more spam emails and installing other malicious software.
Phishing Emails
Typically an email claiming to be from a bank or other well known company trading on the Internet which will inform you of a problem with your account, that charges will be made to your credit card or even that someone wants to send you money! These phishing emails are sent out randomly and may look very convincing.
The email will request that you follow a link to the bank's website where you will be asked to provide a range of information such as your credit card number, personal identification number (PIN), passwords or personal information such as your mother's maiden name.
Clicking on the link, however, will actually take you to a spoof website operated by the fraudster who will collate any information that is inputted by you for their own fraudulent use.
Clydesdale Bank International is a trading name of Clydesdale Bank PLC. The Guernsey branch of Clydesdale Bank PLC is licensed as a deposit taker by the Guernsey Financial Services Commission, under the Banking Supervision (Bailiwick of Guernsey) Law, 1994 as amended.
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