On a recent post by Krebsonsecurity.com, Krebs talks about how he makes sure his banking information is a little more secure by using a verbal passphrase before discussing his accounts.
Krebs brought up this security concern after investigating different banks and their customer service officials when forgetting your login credentials. Using limited but general information that is present on social media and other sites, it is surprisingly easy to act like an annoyed customer and get access to an account. To set up a passphrase or different PIN number that needs to be said before discussing any account details, all you need to do is contact your bank and simply ask if they provide the security service. Most banks actually do though they do not openly advertise this feature or ask you to implement it on your account. After implementing this additional layer of security, you can feel a little more secure about your personal information and assets. When you or someone else is trying to access your account and does not provide the passphrase, it requires an in person visit before a transaction can be continued which you will be prompted for a photo ID. So if you are a paranoid or just want extra protection on your bank account, a verbal passphrase is just what you need.
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