One important key to protecting yourself online is to make sure no one steals your username and password. Stolen passwords are at the root of the problem with online banking security, and Internet security overall. Anyone who has your password can access your accounts the same way that you do. That is why a second authentication factor, something you have, is such a strong security measure. A would-be criminal has to steal something physical from you, as well as your password, to commit an online fraud.
Internet browsers and Web servers have a secure way of talking to each other, or protocol, using a very powerful and flexible type of encryption. You can tell when you have a secure connection by looking at the browser bar address window. Instead of “http://mybank.com…” you will see “https://mybank.com…” as pictured below. The “s” is for secure. You will also see the padlock.