Fraud Prevention Tips

Protecting Your Money. Securing Your Identity.

Fraud Prevention Tips

At OmniAfric Trust Bank, protecting your personal information and financial assets is a shared responsibility. By following a few simple security practices, you can reduce the risk of fraud and help keep your accounts safe.

1. Protect Your Identity

  • Carry only the identification and payment cards you need.
  • Never disclose personal or financial information unless you have verified the recipient's identity.
  • Keep copies of important documents in a secure location to assist with replacement if they are lost or stolen.
  • If you receive an unexpected call requesting banking information, end the call and contact the Bank using official channels.
  • Never provide passwords, PINs, one-time passwords (OTPs), or payment details in response to unsolicited calls, emails, or text messages.
  • Shred documents containing personal or financial information before disposal.
  • Review your account and card statements regularly and report any unauthorized activity immediately.

2. Account and Cheque Safety

  • Never pre-sign blank cheques.
  • Use permanent, dark ink when writing cheques.
  • Draw a line through any unused spaces and write "Only" after the amount in words to prevent alterations.
  • Store unused and cancelled cheque books in a secure location.
  • Carry your cheque book only when necessary.
  • Keep your contact information up to date to ensure you receive important account notifications promptly.

3. ATM Card Security

  • Treat your ATM card with the same care as cash.
  • Report a lost, stolen, or compromised card immediately.
  • Never write your PIN on your card or keep it with your wallet.
  • Choose a strong PIN and avoid predictable numbers such as birthdays or phone numbers.
  • Change your PIN regularly.
  • Monitor your account for unauthorized transactions.
  • Keep or securely dispose of ATM and purchase receipts.

4. Online Banking Security

  • Create strong, unique passwords and update them regularly.
  • Never share your passwords, PINs, or one-time verification codes.
  • Access online banking only through secure websites displaying https:// and a valid security certificate.
  • Avoid using personal information in passwords or security questions.
  • Be cautious about the information you share on social media, as it may be used in fraud attempts.

5. Mobile Banking Security

  • Protect your mobile device with a PIN, password, or biometric authentication.
  • Do not store banking passwords or sensitive financial information on your device.
  • Keep your device's operating system and applications up to date.
  • Delete banking messages before selling, recycling, or disposing of your device.
  • Avoid conducting banking transactions over unsecured public Wi-Fi or unknown Bluetooth connections.

6. Computer Security

  • Download software and applications only from trusted sources.
  • Keep your operating system, browser, antivirus software, and firewall updated.
  • Avoid accessing online banking from public or shared computers.
  • Secure your home or office network by properly configuring your Wi-Fi router and using strong passwords.
  • Regularly scan your devices for malware and other security threats.

Following these best practices can help protect your identity, safeguard your accounts, and reduce the risk of fraud. If you suspect unauthorized activity or believe your banking information has been compromised, contact the Bank immediately through our official customer support channels.