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There are a few key rules that offer the most protection online for the least amount of effort. What you should always do

Make sure you have the latest security updates and patches
From time to time, weaknesses are discovered in programmes running on your computer. These weaknesses can be exploited by virus writers and hackers to gain access to computers that have not been patched. As such, publishers will release 'patches' from time to time to correct these weaknesses.
To check for patches and updates you should visit the publisher's website, typically their 'Download' section.
Microsoft users can visit: http://windowsupdate.microsoft.com which can automatically check what is required for both your operating system and browser and then download it at your request.
Install and update anti-virus software
You may already be using anti-virus software but to be effective, the software should be updated on a regular basis with the latest virus definition files. If you are unsure how to do this, you should refer to the program's Help function.
There are many effective programs to choose from, but the most common commercial products include McAfee, Trend Micro, Sophos, Symantec, F-Secure and Jaspers.
It is also possible to obtain free anti-virus protection online. You can search “free anti-virus software” in search engine to get a list of the most popular free anti-virus software. However, be sure to visit the genuine site as there are many fake products claiming to protect your computer but which may actually infect it with viruses.
Use a personal firewall
A personal firewall is another small program that helps protect your computer and its contents from outsiders on the internet. When installed and correctly configured, it stops unauthorized traffic to and from your computer.
There are many effective programs to choose from. Common commercial examples include Windows Firewall and Check Point Zone Alarm (free), McAfee Personal Firewall and Norton Personal Firewall.
Use an anti-spyware program
Spyware is the term used to describe programs that run on your computer which monitor and record the way you browse the Internet and the sites you visit. It is sometimes used to monitor your online behavior to generate market research data.
But it can also be downloaded without your consent or knowledge and used to see personal data that you have entered online, including passwords, telephone numbers, credit card numbers and identity card numbers.
Anti-spyware programs currently available include AdAware, Microsoft Defender (free), Spyware Blaster, Spy Sweeper, Sunbelt Software Counter Spy. Again, be sure to visit the genuine site as there are many fake products claiming to protect your computer but which may actually infect it with viruses.
Be alert to potential fraud
Be aware that there are fake websites designed to trick you and collect your personal data. Sometimes links to such websites are contained in email messages purporting to come from financial institutions. Never follow a link contained in an email – even if it appears to come from your financial service provider. Always use a known web address or a 'Favourite' link to bank pages.
Keep your passwords secure
1. Keep them to yourself
  Do not be tempted to share your passwords with anyone.
2. Change them regularly
  Change your passwords regularly.
3. Never write them down
  If you really need to record your password, then use a code system or transpose some of the letters.
Be careful where you go online
Avoid using Internet (or any other internet services that require passwords) at internet cafés, libraries or any other public sites to avoid the risk of information being copied and abused after you leave.
Always log off
Remember to log off from Internet Service and close your browser when you have finished your online banking. This will clear all traces of your visit from the computer's memory.
Password-protect your computer
This will prevent other people from using it if it is left unattended or stolen.
Disable the 'AutoComplete' function within your browser
The 'AutoComplete' function on your computer stores information that you have previously entered, e.g.: addresses and passwords. Typically, the browser's own Help function will tell you how to do disable the function.
Take care offline
Remember that you can protect yourself even when you're not using your computer.
1. Read your statements
  Review your statements for any unusual transactions and notify the financial institutions immediately if you suspect any discrepancies.
2. Keep us informed
  Tell us of any changes in your personal data (e.g. address change).

We ensure your online transactions are safe and secure
As a financial service provider, we are used to thinking about security. At Finance One, we use industry standard security technology and practices to safeguard your account from any unauthorized access.

We do this in the following ways:

Using log-ins and passwords to make sure we're dealing with you
Online access to your account is only possible once you have authenticated yourself using the correct Internet Service ID and security details.
Creating secure online sessions
When you log into Internet Service or fill in online application, you are said to be in a secure session. You know you are in a secure session if the URL address begins with https:// or a padlock symbol showing “Security Lock” appears at the top of the page as part of the address bar.
Using encryption
Secure Sockets Layer (SSL) technology is used within your Internet Service session to encrypt your personal data before it leaves your computer so that no one else can read it. Depending on your browser setting, a window will appear to notify you that you will be entering a secured page. We use 128-bit SSL encryption, which is accepted as the industry standard. If your system does not support 128-bit SSL encryption, you may not be able to access Finance One’s Internet and other financial services.
Using "layers" of security
We use many layers of security. For obvious reasons, we cannot disclose all of them, but we always do the following:
1. Ensure that all of our operating systems are updated promptly with the latest security patches
2. Keep our anti-virus software updated
3. Use firewalls to prevent unauthorized intrusion
Using session time outs
If you forget to log-off after service online or your computer remains inactive for a period of time during a session or we do not receive any message during a session, our systems automatically log you off. Pages viewed during a secure session are not recorded in your computer's temporary files.
Having automatic lock-outs
After a number of incorrect attempts to log in, we disable online access to your account. To re-activate your account, you should contact your usual help desk number.