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E-Banking Security Advisory

E-Banking Security Advisory

China Bank will never ask for your personal information such as birth date, account number, credit card number, CVV, ATM PIN, and One-Time Password (OTP) through call, text, or email.

Protect yourself from scammers and fraudsters. Take note of the following tips to protect yourself and ensure a safe and secure online banking experience:

How to be safe from scams

Do not give personal information such as your card number, user ID, password, ATM PIN and One-time Password (OTP) to anyone.

Do not click on links sent through text or email to verify your account as these are bogus links to steal your personal information

How to Protect your PINs and Passwords


  • Create strong PINs and Passwords you can easily remember
  • Use a combination of lower and upper case letters, numbers and special characters
  • Change PINs and Passwords regularly or whenever you suspect they have been compromised
  • Disable the `Auto-Complete' feature in your browser so it will not remember passwords. Always click "No" when requested/prompted to remember your password
  • Cover your hand when you enter your PIN at the ATM and POS Terminals
  • Ignore emails, texts or calls requesting for your PINs and/or passwords.


  • Don't choose PINs and passwords that can be easily associated with you such as your initials, birth date, or telephone/mobile number
  • Never share your PINs and passwords with anyone. Avoid writing them down or keeping a digital copy.
  • Avoid using the same PINs and passwords across different platforms and services

How to Safeguard your Online Banking transactions

  • Do not use links to access the China Bank website as this may lead you to a phony website. Always type into your browser address bar to ensure that you are on the legitimate website.
  • Ensure that the Bank's website address changes from http:// to https:// and that a security icon that looks like a padlock or key appears at the bottom of the sign-on page.
  • Make sure to only log in to your China Bank Online account through the legitimate China Bank website.
  • Refrain from accessing your China Bank Online account on a public or shared computer or using an unsecured WiFi connection to prevent information theft. Clear your browser's cache and history after each online banking session so that your account information is removed, especially if you are using a shared computer.
  • Check your account balance and transaction history regularly. If you suspect any discrepancies or if there are any withdrawals or transactions that you did not make, reach out to us immediately.
  • Do not leave your computer or mobile phone unattended while you are logged in to China Bank Online or China Bank Mobile App. Always log off properly. Do not simply close your browser by clicking on the "X" button at the top right corner of the webpage.
  • Install and frequently update proven anti-virus and personal firewall products on the devices your use for online banking.

How to Avoid Phishing Scams

What is Phishing?

"Phishing" refers to emails or text messages (SMS) sent by syndicates to trick you into clicking a link and providing sensitive information such as your online banking user ID and password. Syndicates then use this information to make unauthorized transfers from your account.

Tips to Avoid Phishing Scams

  • Don’t open email attachments from unfamiliar senders and never click on links from these emails. Most importantly, don't enter your user ID or passwords on any of the links provided.
  • Verify first with the officer of your branch of account if you receive emails or text messages that:
    • ask you to enter or submit your bank account details or login information, or to visit a website to update your personal information;
    • seem to come from a reputable source, such as your hardware, software, or internet service provider but is asking for your personal information or informing you of a prize you reportedly won
    • contain attachments from an unfamiliar source or appear to come from the bank.
  • Take note that China Bank does NOT solicit details regarding online banking thru email and does NOT require you to supply your user ID and passwords apart from transacting on the genuine China Bank Online site.
  • Remember that China Bank Online does NOT require both login and transaction password simultaneously – the log in password is inputted first and the transaction password is required only when conducting financial transactions. “Phishing Sites” ask you to input both login and transaction passwords on the same page.
  • Contact us immediately if you suspect you've been sent a fraudulent email or text message.

How to Prevent SIM Card Swapping

What is SIM Card Swapping?

SIM Card Swapping is a fraud attack that obtains personal confidential information through Phishing or a scheme using a fake promotion or incentive.

Securing the SIM and personal information allows the fraudsters to request a new number from the telco provider and get access to your bank and e-money accounts.

Tips on How to avoid SIM Card Swapping Scam

  • Never click untrusted websites, email, or text messages that contain suspicious links.
  • Never disclose bank and personal information to unknown callers.
  • Transact through our China Bank’s official hotline and email address ONLY.

How do you know you have been a victim of SIM Card Swapping?

  • Your mobile number gets deactivated
  • You are getting alerts on the usage of your digital accounts linked to your mobile number that you did not perform

What to do if you think you have been a victim of a SIM Card Swap Scam

  • Update your Digital Banking credentials
  • Contact and report to your bank
  • Contact and report to your Telco provider

How to Prevent ATM Skimming and Theft

What is ATM Skimming?

Skimming is a method used by criminals to capture data from the magnetic strip on the back of an ATM Card. Once your details have been "skimmed", a counterfeit card can be created and used to withdraw funds at an ATM or make purchases on your account.


Tips to avoid ATM Skimming

  • Inspect the front of the ATM for any unusual or non-standard appearance like scratches, marks, loose wires, glue, or tape residues that could be indicators of tampering.
  • Touch the keypad, customer card entry slot, and lighting diffusers to check if they are a little loose or are fake overlays.
  • Do not use ATMs that look tampered with. If you suspect that an ATM has a skimming device, please report it immediately to the concerned bank or branch.

Tips to avoid ATM theft or fraud

  • Don't leave your ATM Card lying around the house or office desk. If your ATM card is lost or stolen, notify us immediately. If you are enrolled on China Bank Online or China Bank Mobile App, use the "Tag ATM Card as Lost/Stolen" function.
  • Avoid using ATMs in isolated or dimly- lit places.
  • Cancel your transaction and take your ATM Card immediately if you notice something suspicious while transacting.
  • Never count cash in public. Wait until you are in a secure place.
  • Always take your receipts or transaction records issued by the ATM. This can be helpful when confirming the data in your monthly statement and is also a good way to guard against fraud.

Fraud response

If you receive any suspicious calls, texts or emails, kindly report immediately to our Customer Care Hotline at (632) 888-55-888 or email us at  

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