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For your own protection, please read the following security notice and take reasonable precautions before using our Public Bank Net Banking Services:

Keep your Username / Password secure and confidential

Upon receipt of your PIN mailer, you should change the password via Net Banking immediately and destroy the original PIN mailer.
Do not furnish your account number and password to any third parties. Our Bank staff will never ask you to provide sensitive account information (such as passwords) by e-mail or telephone.
Avoid using the same details that you use to access other services such as email, other Internet sites/ISPs, ATM PIN, or Phone Banking TIN.
Do not use easy-to-guess (e.g. Identity Card number, telephone number or similar numbers) or repetitive numbers as your password.
Avoid using part of your Account Number as your Password.
Always memorize your Password. Never write it down or reveal it to anyone. If you cannot remember the password, you should always disguise the password and keep it in a safe place separate from where you keep your account number, your computer and bank account details.
Change your Password regularly.
Please ensure that your entry of account number and password cannot be watched by someone standing around or behind you when you login.
Do not allow anybody else to operate your Net Banking account.

Always log out your online session

Once you have finished conducting your transaction on the internet, always use the "logout" button to exit the service and close the browser after a logout confirmation had been displayed. Please do not exit the system via other ways.
Never walk away from your computer with your account information on the screen.
Do not access third party websites within the same internet browser session when using Net Banking.

Do not store your Account Number / Password in the browsers

Remember to disable your auto-complete function on your browser, as this will make your Username & Password automatically available to anyone having access to your system. To turn this function off in MS Internet Explorer browser, click the Tools menu, click "Internet Options", click the "Content" tab, and click the "Auto Complete" button. Then disable the "Usernames and passwords on forms".

Verify the integrity of the website

Before performing Internet banking transactions, make sure that the Bank website you access is genuine.
Remember and type our EXACT website address (http://www.publicbank.com.hk) or set our Website as your default homepage (for Internet Explorer) to login our official website.
To ensure that you are genuinely communicating with our official website - Public Bank Net Banking Services, before entering your account number and password, please click the small graphic of a lock or a key at the bottom of your browser to check the validity and details of the digital server certificate that issued by Verisign and issued to ebank.publicbank.com.hk.

Use a computer that you trust

Create passwords to protect your computer from unauthorized access.
Do not install any freeware or software from unknown sources onto the computer that you use to access Net Banking.
If you are using a wireless network, you are strongly advised to consult your vendor/service provider to ensure that your network or devices are configured with adequate security settings.
Do not access Public Bank Net Banking Services from public places or from shared computers such as those in cyber cafes.
When you are using others' computer to perform transactions, be careful that your account number, password and personal information have not been copied or stored in its hard drive.
You are advised not to access to your Net Banking account with mobile devices.
Our Bank will never ask you to download or install any applications in your computer or mobile devices. You are advised to contact our e-Banking Support Hotline at (852) 2541 9206 immediately or visit any of our branches for assistance if you receive such a request.

Clear your browser cache and history after each session

If anyone else is likely to use your computer, clear your cache or turn off and re-initiate your browser in order to eliminate copies of web pages that have been stored in your hard drive.
Remember to clear browser cache and history.

Install anti-virus software, anti-spyware software, personal firewall and security updates for browsers in your computer

Make sure you are using supported versions of operation system and application.
Install and regularly update anti-virus software, anti-spyware software, personal firewall and security updates for browsers to protect your computer from viruses and malicious programs.

Update your contact information

Always update our bank with your latest personal contact information.

Check your account and transaction history details

Always check your last login time-stamp whenever you login. If you suspect any unusual or unauthorised account access to your Net Banking account, please contact our e-Banking Support Hotline on (852) 2541 9206 immediately.
Check your account balances and statements regularly to identify any unusual transactions.

Fraudulent Email and Website Alert

Public Bank (Hong Kong) will never ask you for authentication of your personal information such as Net Banking account number and password through email or other communication channels. You are advised to contact our e-Banking Support Hotline at (852) 2541 9206 immediately or visit any of our branches for assistance if in doubt.
Do not access our Net Banking Services through hyperlinks embedded in other websites or email.
Do not open email attachment from unknown, suspicious or unreliable sources and delete it immediately.
Be aware of scam email which may pretend to be sent from your trusted business partners and friends, but they were designed to trap you into downloading a virus or visiting a fraudulent website and disclosing your sensitive information including your account number and password.
Do not send your account number and password or other sensitive personal or financial information via email.

Two-Factor Authentication SMS and Acknowledgement SMS

The Bank will send a 6-digit One-time Password (OTP) together with partial details of the transaction to your mobile phone via SMS, when you perform high risk transaction at Net Banking.
Please verify transaction details in the SMS carefully before you input the OTP to confirm the transaction.
An acknowledgement SMS will be sent to you after completing any of the above transaction. Please check transaction details carefully.
Notify us to update your mobile phone number if there is any change.
Safeguard your mobile phone or any devices that you may use to receive the One-time Password. Please inform us immediately to suspend the Two-Factor Authentication service temporarily at once if you have lost the associated mobile phone handset.
Do not leave your mobile phone unattended and avoid sharing with others.

Contact the Bank immediately if there are suspected access or transactions

If you suspect any unauthorized access or transactions, please promptly visit our branches to immediately terminate your Net Banking access and any other access channels to your accounts such as ATM. Please also provide details of the unauthorized transactions.

You may be held liable for all losses if you have acted fraudulently or with gross negligence, or failed to follow the precautionary measures set out above.