OT: Opinions about online banking & bill paying? Is it safe? TIA
New Member
Joined: Apr 2001
Posts: 215
Likes: 0
2 years with online banking. no problems yet
Just look at your checks all banking information is on the front. Your personal information, bank contact information, your account number, and routing number. A thief has everything they need with a paper check.
Senior Member
Joined: Jun 2000
Posts: 6,378
Likes: 0
I love it! Here's my suggestion...
Look into opening an AMEX checking/savings/money market account(s). They will reimburse you up to $6 per month in ATM charges ($1.50 max per instance). Even better though, they do NOT charge you to pay your bills. It is free! No monthly, no transaction charge either. You can schedule your bills to be paid at whatever time you want. Most of mine are paid monthly and I don't even think about it.
Very good deal.
Their web site works better with IE than with Netscape though.
Very good deal.
Their web site works better with IE than with Netscape though.
Member
Joined: Apr 2001
Posts: 21,064
Likes: 0
Think about it this way...
When you send a check in the mail it could easily be snatched up by any Joe on the street (especially if you leave it in your home mailbox for post(wo)man pickup). It could become lost, rained on, etc.
When you send a payment over the internet it is like you put your regular envelope inside a safe before sending it through the postoffice. As long as the site you are using uses SSL to protect the data being sent, you are much more likely to have something happen to your snail mail payment than any online payment.
When you give your credit card to a clerk in a store, there are multiple opportunities for them to charge the card incorrectly, or even copy it for their personal use. When you use your credit card for an online store, most of the time a human doesn't even see the numbers that you entered.
Obviously when you shop online you have to be as picky as if you were shopping IRL (in real life). If you walked into a store that was grungy looking and missing products with only one clerk there to help you then you would probably be suspicious. If you go to a web site that looks like a virutal reproduction of that kind of store (missing images, problems with web site functionality, NO SSL) then be just as suspicious.
When you send a payment over the internet it is like you put your regular envelope inside a safe before sending it through the postoffice. As long as the site you are using uses SSL to protect the data being sent, you are much more likely to have something happen to your snail mail payment than any online payment.
When you give your credit card to a clerk in a store, there are multiple opportunities for them to charge the card incorrectly, or even copy it for their personal use. When you use your credit card for an online store, most of the time a human doesn't even see the numbers that you entered.
Obviously when you shop online you have to be as picky as if you were shopping IRL (in real life). If you walked into a store that was grungy looking and missing products with only one clerk there to help you then you would probably be suspicious. If you go to a web site that looks like a virutal reproduction of that kind of store (missing images, problems with web site functionality, NO SSL) then be just as suspicious.
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