1. You confirm an action
It could be a payment, logging in (optional) or changing a PIN.
Make your passwords longer than eight characters.
Write down clues to your passwords, not the password itself.
Don't use the same password everywhere.
Use a phrase you can remember, like EveryChickenLovesBeetles
Don't save online banking or other financial passwords in your browser.
Don't use birthdays, pet names or family names - they're easy to guess.
Two factor authentication - online + mobile
Enabling Netcode to your online banking for login processes is a simple way of adding an extra layer of security to your account. Netcode also keeps payments safe by using two different tools for one payment. It means a criminal would have to access both things to access your accounts
It could be a payment, logging in (optional) or changing a PIN.
To be sure it's you, we send a code number to your mobile. You can also request a Netcode token.
That confirms it's really you, and then we execute your request.
Look for a padlock on your browser, or a web address starting with "https", and don't use public Wi-Fi networks for buying online or banking.
Check link addresses before you click. Look for weird locations or names. The safest way is to type web addresses directly into your browser.
Only use reputable online shops. Check their reviews if you're not sure, and see if the online store has a return and refunds policy.
Apps on your phone often want access to your details. It's usually fine, but be cautious.
If you are concerned that there has been a breach in your ASB account security, contact us immediately.
Forward any suspicious looking emails to phishing@asb.co.nz.
If you receive a suspicious SMS message please delete it.
If you’re concerned about either an email or SMS you’ve received, call us on 0800 803 804.
Hard-to-guess passwords are one of the best ways to keep yourself safe online.
Don’t use easily-guessed information like birthdays, pet names or family names – they’re easy to guess from social media.
Don’t use the same password for different web sites. Always use a different password for online banking or any site that lets you store credit card details.
Create your password using a phrase, instead of single words, like EveryChickenLovesBeetles
Make your passwords at least 10 characters long.
Saving passwords in your browser can be convenient, but don’t save passwords to money sites, like online banking.
Remembering all of your online passwords can be difficult – but if you’re going to record them, do it in a secure way.
Never tell your passwords to anyone else. This includes trusted advisors like accountants.
Avoid having the same password for lots of sites.
If you’re storing your passwords and PINs on your computer, keep them in a secure file. For example, put a password on the file (ironic, I know).
Rather than writing down your passwords, try to write clues to them instead.
Your bank’s website is the only thing that should ever ask for your banking password. Avoid any other website or person who asks for it.
Online shopping and bills payments have never been easier. But keep your payment details secure.
Two factor authentication means you use two different things to approve a payment:
The first factor is something you know: your log in details and password.
The second factor is something you have: a plastic card, or in the case of online banking, your mobile phone.
At ASB we use Netcode to give you a second layer of security: when you make a payment, we send your phone a text with a code. Entering the code shows you have your phone with you.
Cheques are still the most common source of fraud.
Write “Not Transferable” across non-cash cheques and cross out “or bearer” –otherwise it’s acceptable for someone else to write in their own name and deposit the cheque in their own account.
Record your cheque payments, dates and payees in your cheque book.
Never pre-sign blank cheques in your cheque book.
Consider using a credit or debit card for making payments while overseas. You can always transfer money to your credit card to give it a credit balance if you’re worried about exceeding your limit.
Before you go overseas, contact your financial provider to let them know the international transactions on your cards are correct. This is to stop them being suspected as fraudulent transactions.
Regularly review your bank statements to make sure they’re matching your spending habits.
If you’re using TradeMe, consider using services like “SafeTrader”.
The internet is amazing. But like any community, it has a few bad neighbourhoods and some shady characters.
Always check you have a secure browser connection before entering credit or debit card details online. A secure web address starts with “https”, or look for a padlock or key next to the address once the site opens.
Avoid using public Wi-Fi networks (like internet cafes or libraries) for secure site like shopping or online banking.
Log out and close your browser window after you’ve finished using any Internet banking service. You should also logout if you’re leaving your computer - even for a short time.
Social media is a great way to keep in touch with friends and family – but be careful how much information you share with strangers.
Be selective about with who you connect with.
Once something’s online, it could be seen by people you didn’t expect. If you don’t want something to be seen, it probably doesn’t belong on social.
Use your social media site’s privacy settings to limit who can see your personal information and posts, like your family or close friends.
Beware of unusual posts from a friend, for example recommending a website they wouldn’t normally be interested in. Their profile might have been hacked.
Have a strong password, and change it regularly.
Don’t use the same passwords you use for your online banking.
Don’t publish personal information like your home address, phone number, birthday, driver’s license number, credit card number, tax file number or bank account details.
Sign out of your social network account when using a public computer - don’t just close the browser window.
Your phone camera may include GPS data on your pictures. That can show criminals where you live, or if you’re away from home.
Why don’t you try checking your ‘digital footprint’ now? Simply log out of all of your social networks and then look up your name in a search engine and assess the results.
Don't over share on social media
Social media is a great way to keep in touch with friends and family - but be careful how much information you share with strangers.