Security Features for ICICI Bank Internet Banking

ICICI Bank employs a range of security features for its Internet Banking and other channels. These measures extend from data encryption to firewalls. ICICI Bank uses the most advanced commercially available 128-bit Secure Socket Layer (SSL) encryption technology to ensure that the information exchanged between your computer and ICICIBank.com over the Internet is secure and cannot be accessed by any third party. SSL has been universally accepted on the World Wide Web for authenticated and encrypted communication between customers' computers and servers.

A firewall (virtual electronic fence that prevents unauthorized access to the Bank's servers) together with 128-bit SSL encryption technology helps to provide some of the best security commercially available to keep your password, account details and other sensitive information protected during its transmission and use over the Internet.

User Participation

Security anticipation using the technological approach works best in conjunction with user-participation to exercise caution while providing information or transacting through the Internet.

ICICI Bank recommends the following measures to all its Internet Banking users to ensure secured transactions.

Communication soliciting personal or other information

	Please do not reply/respond to any communication, including e-mail, SMS or phone call informing you that your banking or other account(s) will be closed unless you provide your personal/banking information by responding to such communication or other e-mail address / website / mobile number / phone number or to any communication requiring furnishing of any information personal or otherwise, and representing itself to be from ICICI Bank.
	We invite you to report or inform ICICI Bank about all such instances, at our 24-hour Customer Care or by writing to us using the "E-mail Us" option at ICICIBank.com.
	Avoid sending or furnishing personal and financial information on e-mail. Also, before providing any information (financial or personal) on a website, verify the bona fides of the website, its address and of the owners/operators of such websites. Make sure that the URL (Uniform Resource Locator) that appears in the "address" or "location" box on your browser window is the one you wish to access.
	We invite you to report or inform ICICI Bank about all such instances if any website/URL or entity represents itself as ICICI Bank, at our 24-hour Customer Care or by writing to us using the "E-mail Us" option at ICICIBank.com.

Security Aspect For Online Shopping At Various Websites

Many websites provide an option of online shopping where a customer can select an item online and pay by entering his/her Internet Banking user ID and log-in/transaction password. The websites use varying encryption standards and other security procedures for online transactions.

ICICI Bank has also tied up with various websites to provide the convenience of online shopping and utilizing banking services for all its Internet Banking customers

ICICI Bank recommends the following measures to all its Internet Banking users to ensure secured transactions while shopping online.

	Verify the bonafides of the website, its address and of the owners/operators of such websites. If you suspect a website is not what it purports to be, leave the website. Do not follow any of the instructions mentioned on that website.
	If any such website claims its association with ICICI Bank, please seek clarification by checking it at www.icicibank.com or writing to us using the "E-mail Us" option.

Websites intended for transactions, including online shopping do generally request provision of information such as the name, postal address and  e-mail address for delivery of the items you purchased at the website. However, if you are requested to provide information which may not be relevant to the specific transaction that you propose to undertake, please do not provide such details on such websites.

Maintain records of the website address, URL and all the reference numbers given with respect to your online transactions, and of the contact details of the website owner/operator.

Security of your Internet Banking User ID and Password

To enhance security in conducting banking and other transactions, it is recommended that you adopt the following practices:

	Please change your password (log-in and transaction) after your first log-in and thereafter at least once in a month.
	Create and maintain different passwords for log-ins and for transactions. This provides additional security for financial transactions through Internet Banking.
	You password should be complex and difficult for others to guess. Use letters, numbers and special characters [such as !,@, #,$, %, ^, &,* (, )] in your passwords. These increase the security of the passwords.
	If you are accessing any website (including ICICIBank.com) from a  cyber-cafe, any shared computer or from a computer other than your own, please change your passwords after such use from your own computer at your  workplace or home. It is very important to do so especially when you have entered your transaction password from such shared computer or cyber-cafe computer.
	Destroy the PIN mailer after memorizing the PIN and/or change it if such an option is available. Keep your PIN a secret and do not disclose it to anyone, or write it down in a place that could be accessed by someone else.
	Do not hand over your ATM/debit card or credit card to anyone as it provides access to your ATM/debit card number, which can be used by such person. If you have more than one Internet Banking user ID, use a different password for each of your Internet Banking user IDs. You may also view all your accounts with ICICI Bank under a single user ID by linking your various accounts to your preferred Internet Banking user ID. Please click here to link your accounts.

General Tips on Internet Security

	Open e-mails only when you know the sender. Take special care while opening attachments as they may carry a virus.
	Be very sure of the website address. The website address is reflected on your Internet browser. This check is recommended every time you provide any information about yourself.
	Before you input sensitive information, look for the padlock symbol at the bottom right of a web page to ensure that the site is running in secure mode .
	Make sure that your computer is protected with anti-virus and that you have the latest anti-virus software. Anti-virus software needs frequent updates to guard against new viruses. Such general updates are usually available free of cost from service providers.
	If possible, install a personal firewall in your home computer to help prevent unauthorized access, especially if you connect through a cable or DSL modem.
	Do not keep computers online when not in use. Either shut them off or disconnect them physically from the Internet gateway.
	Monitor your transactions. Review your order confirmations, credit card statements and bank statements as soon as you receive them to make sure that you are being charged only for transactions that you have made. Inform us immediately about irregularities if any. You can write to us using the "Email Us" option at ICICIBank.com.
	Review your credit card statements and bank account statements as soon as you receive them to determine whether any charges have been billed to you that you are not aware of. If you suspect any unauthorized usage, please get your credit card / debit card blocked immediately so as to avoid its further misuse,
	If your statement is delayed, call our 24-hour Customer Care to confirm your address and account balances.