General Safety Tips

General Safety Tips

National Cyber Crime Helpline Number: 1930

Do not share your confidential information like ATM Card details, Net/Mobile Banking passwords etc with anyone if you receive any calls/SMS/e-mail as CSB Bank will never ask for such details

Securing Channel Access
  • Use CSB Net Banking directly via https://netbanking.csb.co.in/ or through the CSB website https://www.csb.co.in/
  • Install the CSB Mobile+ App from the official Play Store or App Store (links provided here - https://www.csb.co.in/mobile-banking)
  • Customers can access Net or Mobile Banking from anywhere and anytime.
  • Avoid public PCs, internet cafes, and public/free Wi-Fi for financial transactions.
  • Be cautious with Bluetooth usage in public places.
  • Always use a secure browser and avoid jailbroken/rooted devices.
  • Do not leave the device unattended during a valid Online Banking session and log out promptly after use
  • Install firewall and anti-virus software; keep OS, antivirus, browsers, and Java updated.
Protect Your Credentials
  • Keep login credentials strictly confidential and do not write down login credentials openly on any device/paper/document
  • Don’t share personal info, login credentials, OTP, or account details with unknown callers.
  • Report suspicious calls to the bank.
  • Avoid tampered Password/MPIN mailers and report them to the Bank
  • Choose strong alphanumeric passwords and random digits for MPIN (avoid use of personal data like DOB, Address, Nicknames, etc.)
  • Change Passwords & MPIN Regularly.
Limiting Customer Liability
  • Transactions during valid sessions in registered account are legally binding on the customer until the customer notifies the Bank of an unauthorised transaction resulting from misused device or lost/stolen login credentials/device and upon being able to provide required proof to establish the same
  • Notify the bank promptly about unauthorized transactions. The longer it takes to notify the bank, the greater is the risk of loss to the bank or customer.
  • Follow RBI guidelines on customer protection - RBI circular no. RBI/2017-18/15 DBR. No. Leg.BC.78/09.07.005/2017-18 dated 06.07.2017 on Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Banking Transactions
Lost Phone or SIM Card
  • Notify your telecom provider to block the SIM.
  • Inform the bank’s call centre to block Net/Mobile Banking services.
Security Measures
  • Don’t tamper with Net Banking or Mobile Banking components.
  • Avoid unlawful access or usage.
  • Always provide accurate and complete information to the bank.
  • Promptly notify the bank if you suspect any errors.
  • Update phone number/Email ID with the Bank to receive alerts.
Avoid Suspicious Emails/Links
  • Don’t click on links in emails or social media claiming to be from the bank.
  • Confirm that the URL in your browser matches the intended destination.
  • Never share personal or financial details via email.
  • Verify the legitimacy, address, and ownership of websites before providing information.
Stay Informed
  • Refer to bank security advisories and stay updated on changes to services that are made public on the website and in the branches
Updating Your Information & Contacting Us
  • If your account information is incomplete or inaccurate, please contact us immediately. Our contact points are available here - https://www.csb.co.in/contact-us
Aadhaar Usage Guidelines*
  • Do’s
  • Aadhaar is your digital identity. Use it confidently as per your choice to prove your identity.
  • While sharing your Aadhaar with any trusted entity, exercise same level of caution which you may do at the time of sharing your mobile number, bank account number or any other identity document like passport, Voter Id, PAN, Ration Card etc.
  • Entities seeking your Aadhaar are obligated to obtain your consent, which should specify the purpose for which it is being taken. Please do insist on it.
  • Wherever you do not want to share your Aadhaar number, UIDAI provides facility for generating Virtual Identifier (VID). You can easily generate VID and use it for authentication in place of your Aadhaar number. This VID can be changed after the end of calendar day.
  • You can see your Aadhaar authentication history for last six months on UIDAI website or m-Aadhaar app. Do check the same periodically.
  • UIDAI intimates about every authentication over email. Therefore, linking your updated email ID with your Aadhaar number will ensure that you get intimation every time your Aadhaar number is authenticated.
  • A number of services can be availed with OTP-based Aadhaar authentication. So, always keep your mobile number updated with Aadhaar
  • UIDAI provides facility for Aadhaar locking as well as biometric locking. If you are not likely to use Aadhaar for a period, you may lock your Aadhaar or biometrics for such time. The same can be unlocked conveniently and instantly, as and when required.
  • In case you suspect any unauthorized use of your Aadhaar or have any other Aadhaar related query, contact UIDAI on toll-free helpline 1947, which is available 24*7, and/ or email at help@uidai.gov.in.
  • Don’ts
  • Do not leave your Aadhaar letter/ PVC Card, or its copy thereof, unattended.
  • Do not share your Aadhaar openly in public domain particularly on social media (Twitter, Facebook, Instagram etc.) and other public platforms.
  • Do not disclose your Aadhaar OTP to any unauthorized entity
  • Do not share your m-Aadhaar PIN with anyone.

Please click here to access our Website Privacy Policy

*Source : https://uidai.gov.in/images/Aadhaar_Usage-Dos_and_Donts_180324.pdf

In concurrence with RBI communication on ‘Enhancing Security of Card transactions’, RBI had instructed all banks to give their card holders, a facility to themselves enable/disable their cards for different types of transactions such as domestic, online, POS or international. This feature will add increased security for debit card transactions.

Following are the changes brought in as part of the RBI communication

  • All new Debit Cards issued will be by default enabled only for swipes in point-of-sale terminals and at ATMs and card not present (online purchase) transactions will by default disabled.
  • International transaction facility will be by default disabled for all new Debit Cards.
  • In case of existing Debit Cards, which are never used for Online/International will be disabled for such transactions.

Modify Debit Card Limits, Switch On/Off Debit Card, Activate/Deactivate International Usage, Duplicate Debit Card Requests is available in following channels.

  • At any CSB Branch .Walk into any CSB Branch and place a request
  • CSB Mobile banking: Log into CSB Mobile+ app->Value Added Services-> Card Management-> Card Activity ON/OFF
  • CSB Internet Banking: Log into Net Banking->Card Request-> Make Request
  • Customer Care: Call our 24*7 customer Care at 1800 2666 9090 & place the request (only disabling option available)
  • SMS: You can now enable/disable your Debit Card for International usage by sending below SMS Code from your registered mobile number.
Send SMS to 9895923000
Service SMS Format
International Activation INTLREG <SPACE> <Last 4 Digit of your Debit Card No>
International Deactivation INTLOFF <SPACE> <Last 4 Digit of your Debit Card No>

Alternatively you can also modify your Debit Card limits for ATM/POS/eCom via;

  • CSB Mobile+ App->Value Added Services->Card Management->Set your Limit
  • Download mobile application now
    • Google playIOS

Fraud in Digital Payment Ecosystem- New Modus Operandi

In this era of digital world all are using their mobile/internet to do their banking trasactions.Currently lots of fraudulent transactions are taking place through UPI and e-wallet transactions. Recently a new technique is been adopted by fraudster through which fraudsters can easily take remote control of victims mobile device and carry out fraudulent transactions using victims mobile banking/payment related apps.

Stepwise details are as under:

  • Fraudster would lure the victim on some pretext to download an app called 'AnyDesk' from Play store or App store. It may be noted that, there are more apps similar to 'AnyDesk' that help provide remote access of device to other users.
  • The app code (9 digit number) would be generated on victim's device which the fraudster would ask the victim to share
  • Once fraudster inserts this app code (9 digit number) on his device, he would ask the victim to grant certain permissions which are similar to what are required while using other apps
  • Post this, fraudster will gain access to victim's device.
  • Further the mobile app credential is vished from the customer and the fraudster then can carry out transactions through the mobile app already installed on the customer's device.

Above modus operandi can be used to carry out transactions through any Mobile Banking and Payment related Apps (including UPI, wallets etc.)

In this connection, we request all our customers not to share any account /card details to any unknown person and also not to download unknown apps from play store so as to minimize/eliminate above frauds.

  • Memorise your PIN. Do not write it down anywhere.
  • If your ATM card is lost or stolen, report to our Phone Banking Team 1800 266 9090(India) or 0422-6612300 immediately.
  • If your card gets stuck in the ATM, or if cash is not dispensed after you keying in a transaction, call your bank immediately.
  • Never allow anyone to stand near you or help you complete transactions while at an ATM.
  • If you have any complaint about your ATM/Debit/Credit Card transaction at an ATM, please take it up with your Card issuing bank.
  • If you get a transaction slip, tear into pieces it immediately after use if not needed.
  • Remember to take your card and cash with you. Cash retraction facility has been withdrawn.
  • Do not conduct any transaction if you find any unusual device connected to your ATM.
  • Change your ATM PIN number regularly.
  • Do not disclose your ATM PIN details to anyone.
  • Phishing is a technique employed by scamsters to illegally procure personal information like account numbers, Internet banking User ID’s and Passwords, etc.
  • The most frequently used method is to send a spam email to a large number of email IDs. The spam email is designed in such a way as to look exactly like an email sent by the bank.
  • The email simply asks the recipient to click on a link and enter their user id and password. Different techniques are used to lure the recipient to click on the link. Never click on any such link and never enter your login ID and Password without verifying the authenticity of the web page.
  • Vishing is one such attempt where fraudsters try to seek your personal information like Customer ID, Net Banking password, ATM PIN, OTP, Card expiry date, CVV etc. through a phone call.
  • Never share any personal information like Customer ID, ATM PIN, OTP etc. over the phone, SMS or email.
  • If in doubt, call on the Phone Banking number 1800 266 9090(India) / 0422-6612300 (NRI).
  • You may receive letters/emails from foreign entities/Individuals claiming to offer huge amounts of money in foreign currency, on the pretext of helping you in your business/ venture.
  • These may request for your bank account details and ask you to remit an initial deposit/commission so that they can transfer the money offered.
  • They may also claim that huge sums of money for disbursal of loans at cheap rates are kept in an account with the Reserve Bank of India (RBI), and may show copies of certificate/deposit receipts purported to have been issued by the Reserve Bank.
  • RBI does not maintain any account in the name of individuals / companies / trusts in India to hold funds for disbursal and it cautions you against such offers.
  • Also, RBI have received approvals/clarification requests from individuals/entities for effecting remittances in foreign currency towards commission/fees for receiving prizes won in overseas lottery schemes etc.
  • Do not participate in lottery-like schemes functioning under different names, such as, money circulation scheme or remittances for the purpose of securing prize money/awards, etc. These are prohibited under the Foreign Exchange Management Act, 1999.
  • You may receive letters/emails/other communications from entities/individuals claiming to be authorised by CSB to grant permission to open up bank kiosks/ Customer Service Points (CSP)/ extension counters or any other outlets.
  • These communications may also fraudulently bear the name and logo of CSB/ Reserve Bank of India or any other statutory authority to offer credibility
  • CSB does not allow external entities/individuals to establish kiosks/CSP on behalf of the bank. Please ignore any communications eliciting interest or enticing you to provide funds for such activities.
  • Do not be misled by such emails/ letters/ websites/ advertisements or any other communications. In case of such instances occurring, please email at branchservice@csb.co.in or call toll free number 1800-266-9090.
  • Never fall victim to offers through social media which offers very high income through online task completion/ investment schemes/ part time job/ ponzi/ MLM schemes
  • Fraudsters will send an SMS / WhatsApp message which will contain a link which will open a chat. The fraudster will send an investment link over chat. Once account is created, a task is given to gain confidence of person. A Call Centre is usually usually used to interact with the victim for communication regarding tasks. Tasks will be something like clicking a you tube video.
  • Once the task is completed, the victim is asked to withdraw the money. Once getting the first refund, the victim is now lured to do more tasks which involve loading of more money. The process continues and once a big amount is loaded by the victim, the fraudster stops responding over chat
  • Customers are also lured by part time jobs like pencil packing jobs, investment in forex trade, bit coin which offer 30%+ more return in one month.
  • Always remember - Returns are proportional to risks. Higher the return, higher the risk. So if any scheme is offering abnormally high returns consistently, it is the first sign of potential fraud and to exercise caution

Source - RBI Press Release: 2007-2008/770, Dated - December 7, 2007

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