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Prevention Checklist

Standard Chartered works continuously to make sure your account and information are safe. Here are some relatively simple steps you can take to help reduce your susceptibility.

corner 1. General precautions corner
corner 2. Email and online security corner
corner 3. Credit card and bank account security corner
corner 4. Phone and mail precautions corner
corner 5. How can you identify a scam email? corner

General precautions

  • Carry only necessities on a daily basis. Items like pin and passwords should not be kept in your purse or wallet.
  • Do not provide your NRIC number unless absolutely necessary. When a NRIC is requested to sign up for a service, confirm that it is actually needed rather than some other identifier.
  • Make photocopies of vital information you carry on a regular basis and store them in a secure place, like a safety deposit box.
  • Shred documents containing personal or financial information before discarding. Most fraud and identity theft incidences happen as a result of mail and garbage theft.
    • Review your credit report. Look over your credit report regularly - at least once a year - for any inaccuracies. For more information see www.bankinginfo.com.my. You may obtain a credit report request form from creditbureau.bnm.gov.my.

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Email and online security

  • Be wary of suspicious emails. An email requesting your account information and password should be scrutinized carefully, particularly if the information is needed to “award a prize” or “verify a statement.” Avoid opening any questionable emails. If you have opened an email, do not open any attachments or links it may contain, and delete it. Please notify us immediately if you receive a suspect email claiming to come from Standard Chartered. Or, if you responded with personal information to a suspicious email, call our call agents at 03-7711 8888 or 1300 888 888.
  • Protect your passwords. Memorize your passwords. Do not write them down or share them with anyone. Change them regularly and use combinations of letters and numbers. Do not use your NRIC number as a username or password.
  • Keep your computer and online experience safe. Read our Protect Your Banking to find out about installing a firewall, anti-virus software, and a pop-up blocker, which can help keep your computer and personal information secure when you conduct online transactions.

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Credit card and bank account security

  • Report lost or stolen cards and checks immediately.
  • Review account statements carefully. Make a habit of thoroughly reviewing your latest account statements. This is one of the best ways to notice and stop fraudulent activity quickly. If you sign up for Standard Chartered Online Banking you can monitor your account any time and as frequently as you like.
  • Do not use your NRIC number as your username to sign on to your accounts online. Standard Chartered Bank allows you to select your own, personal username to sign on.
  • Ask about suspicious charges. Do not hesitate to contact Standard Chartered the appropriate credit card issuer if you see questionable charges.
  • Cancel and cut up unused credit cards. If you have an open account that you no longer use call the creditor to cancel it and cut up the card before throwing it out (the same is true for unused or expired cards of all types, including expired Standard Chartered ATM cards).
  • Keep your ATM password secure. Do not use obvious or easily obtainable information (like your birth date) for your password. Avoid writing it down and never share your password.
  • Be aware of your surroundings and exercise caution when using an ATM. Using common sense will make your transactions safer.
  • Store new and cancelled checks safely. Also, only carry your checkbook with you when necessary.

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Phone and mail precautions

  • Be aware of telephone scams. Unless you initiated the contact, do not give out personal information over the telephone. Standard Chartered will never make an unsolicited telephone request for your account information, password, or other sensitive data.
  • Promptly retrieve incoming mail. Collect your mail as soon as possible every day to limit the opportunity for theft.
  • Do not place outgoing mail in your mailbox. Deposit mail in a Pos Laju mail box or at the post office to reduce the chance of mail theft.
  • Know your billing and statement cycles. Contact the customer service department if you stop receiving your regular bill or statement.

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How can you identify a scam email?

  • You do not know the sender;
  • You are made a financial offer that sounds too good to be true;
  • You are promised monetary reward if you perform certain financial transaction;
  • You are requested for advance fees to speed up the reward;
  • The email requires urgent action on your part by showing proof of request in the form of banking information, certificates or other types of confidential information;
  • Persistently request you to maintain confidentiality while requesting your banking details.

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