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A bank account is used for everything from receiving salaries and government benefits to making UPI payments and paying bills. As digital banking becomes more common, it is equally important to follow a few basic precautions to protect your money and personal information.

Here are eight habits every bank account holder should adopt.

1. Keep Your Mobile Number Updated

Your registered mobile number is used to receive OTPs and transaction alerts. If you change your number, update it with your bank immediately to continue receiving important notifications.

2. Check Your Account Statement Regularly

Review your bank transactions from time to time. If you notice an unfamiliar debit or credit entry, report it to your bank without delay.

3. Never Share OTPs or Banking PINs

Banks never ask customers to share OTPs, debit card PINs, internet banking passwords, or CVV numbers over calls, messages, or emails. Keep these details confidential.

4. Use Strong Passwords for Internet Banking

Choose a unique password for your online banking account and change it periodically. Avoid using easily guessed information such as your date of birth or mobile number.

5. Keep Your KYC Details Updated

Banks may ask customers to update their Know Your Customer (KYC) details from time to time. Ensure your address, identity proof, and contact information are current.

6. Enable Transaction Alerts

SMS and email alerts help you monitor every transaction in your account. They can also alert you quickly if any unauthorized activity occurs.

7. Avoid Banking on Public Wi-Fi

When using internet or mobile banking, avoid public Wi-Fi networks. Use a secure internet connection to reduce the risk of unauthorized access to your account.

8. Keep Debit and Credit Cards Safe

If your card is lost or stolen, report it to your bank immediately and block it to prevent misuse. Also, regularly review your card transactions for any unusual activity.

Why These Precautions Matter

A few simple precautions can go a long way in protecting your bank account from fraud and unauthorized transactions. Staying alert, keeping your information updated, and monitoring your account regularly can help ensure a safer and smoother banking experience.