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Web Applications Which online banking you are using ?, which one is good ?

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sunbeams
post Jul 31 2006, 10:16 PM

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I'm using the following online banking services:

- Citibank
- Maybank2u
- RHB Bank
- Hong Leong Bank

Maybank2u ranks first on my list, while RHB Bank ranks the lowest, with untidy interfaces, lots of unfixed errors, browser compatibility issues etc.

sunbeams
post Aug 3 2006, 02:15 AM

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QUOTE(sunbeams @ Jul 31 2006, 09:16 PM)
I'm using the following online banking services:

- Citibank
- Maybank2u
- RHB Bank
- Hong Leong Bank

Maybank2u ranks first on my list, while RHB Bank ranks the lowest, with untidy interfaces, lots of unfixed errors, browser compatibility issues etc.
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QUOTE(ayu @ Jul 31 2006, 09:18 PM)
RHB is ok or not?
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QUOTE(David83 @ Jul 31 2006, 10:44 PM)
He did say that "RHB Bank ranks the lowest, with untidy interfaces, lots of unfixed errors, browser compatibility issues etc.
"
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Thanks David for responding on my behalf. I rest my case.

doh.gif
sunbeams
post Aug 3 2006, 02:19 AM

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QUOTE(acougan @ Aug 2 2006, 12:41 AM)
been using RHBBank for a while, i feel its interface is most 'bank-like' unlike mb2u everything-in-1 design. mozilla 1.5 user here & no browser compatibility, so far

good points abt RHB, response to customer messages very prompt, can setup scheduled monthly payment. never experienced any lag b4 on the site. never tried transferring to 3rd party yet, so no comment.

bad point is still using 6-digit PIN/password, although the lastest bankcard is an improvemnt in security.
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QUOTE(laguna1811 @ Aug 2 2006, 11:59 AM)
RHB is slow la... and now introduce dotcom card very ma fan, need to key in the pin number...

slow until got 1 time i pay bill 2 times (cos i keep clicking 'conform' many times due to slow response)
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Speaking of RHB DotCom Card, is it really that secure? It was so frustrating trying to activate my DotCom Card.

I really feel their online banking system isn't user friendly enough. Lot's of areas for improvement.
sunbeams
post Aug 4 2006, 11:46 PM

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Hey, I just noticed Citibank has upgraded their online banking login process. We now have to register a user Id, and now the password is alpha-numeric (must have at least 1 number and 1 alphabet).

Pretty secure.
sunbeams
post Aug 4 2006, 11:53 PM

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QUOTE(sunbeams @ Aug 4 2006, 10:46 PM)
Hey, I just noticed Citibank has upgraded their online banking login process. We now have to register a user Id, and now the password is alpha-numeric (must have at least 1 number and 1 alphabet).

Pretty secure.
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But just like the old method, the force you to use the popup keypad. But now it's worse. IT's a pop-up keyboard!
sunbeams
post Aug 5 2006, 12:19 AM

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QUOTE(David83 @ Aug 4 2006, 11:03 PM)
The login method is quite similar to DiGi OCS on-screen numeric keypad.
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Welcome to a new world of revealing passwords to onlookers!

Attached Image

I did a simple experiment with my colleagues: Silently stand behind me and guess what is my password.

3 out of 5 guessed it correctly. Unless I increased my mouse-clicks-per-second speed to 5 or accelate my mouse velocity to 100cm/s, it is relatively easy for onlookers to figure it out.

So, never login to Citibank online banking at places where you might be noticed.
sunbeams
post Aug 5 2006, 12:45 AM

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QUOTE(jack2 @ Aug 4 2006, 11:31 PM)
got any idea how to turn off the upper case?
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The latest login method assumes all alphabets are upper case. You don't have to option to mix upper and lower case characters in your password.


sunbeams
post Aug 5 2006, 12:47 AM

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QUOTE(David83 @ Aug 4 2006, 11:35 PM)
True ... they should try to mimick DiGi OCS. The numeric keypad is randomly placed.
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The previous PIN number method (using purely numbers only) did implement the number juggling approach. If I'm not mistaken, Citibank was actually the first to come up with this idea, followed by DiGi OCS.

sunbeams
post Aug 5 2006, 12:49 AM

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QUOTE(acougan @ Aug 4 2006, 11:32 PM)
haha, mb its best we do our online banking after working hours on our own pcs with our backs against the wall tongue.gif

y don't they jumble up the keys & position? its not like customers need to 'type' in qwerty format or anything? send ur post to citibank CS and wait for the reaction.

i'm quessing its case-insensitive!?
/
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I can almost picture the chaos that would happen if they jumble up the entire keyboard. Imagine a 40+ year old housewife who doesn't have much exposure in computers trying to frustratingly locate the alphabet 'A' over a miniature keyboard.

Better keep it this way for now.
sunbeams
post Aug 5 2006, 12:58 AM

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QUOTE(David83 @ Aug 4 2006, 11:48 PM)
Then why they change it?
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To make it even more secure.

With the previous PIN number method, the PIN consist of 6 numbers. If someone were to use a brute force hacking method, by theory, you could guess it at most after 6 to the power of 10 tries (60,466,176).

Now, the new password requires at least 6 until 50 characters. Opening up the combination beyond the constraints of pure numbers, it would take eternity to hack one's password.

But then again, if someone attempts 3 consecutive login failures, wouldn't they automatically lock the account?

sunbeams
post Aug 5 2006, 01:04 AM

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Citibank sure does make things much more complicated. Here are the rules for choosing your new Citibank online banking user id and password:

QUOTE
7. Why is my chosen Username rejected?

Your chosen Username would be rejected in one of the following cases:

i. Your Username has been chosen by another user, OR
ii. You have violated the rules of setting up the Username. Please ensure the following are adhered to:

Your Username cannot contain any character other than alphabets, numbers or the 3 designated special characters (. @ -)
Your Username cannot contain your credit card or ATM card number
Your Username must contain at least one alphabet
Your Username must contain at least one number
Your Username must be at least 6 characters long but not exceeding 50 characters
Your Username cannot contain 3 or more identical characters in a row (e.g. "aaa101", "user999", "abbb10")
Your Username cannot contain 3 or more consecutive sequential characters (e.g. "abc007", "user123", "xx789xx")
QUOTE
8. Why is my chosen Password rejected?

Your chosen Password would be rejected in one of the following cases:

i. Your new Password is the same as your old Password; OR
ii. You have violated the rules of setting up the Password. Please ensure the following are adhered to:

Your Password cannot contain any character other than alphabets, numbers or the designated special characters (- _ * & . : $ ! # / + =)
Your Password cannot begin or end with a space
Your Password cannot contain your credit card or ATM card number
Your Password cannot be the same as your Username
Your Password must contain at least one alphabet
Your Password must contain at least one number
Your Password must be at least 6 characters long but not exceeding 50 characters
Your Password cannot contain 3 or more identical characters in a row (e.g. "aaa101", "pwd999", "abbb10")
Your Password cannot contain 3 or more consecutive sequential characters (e.g. "abc007", "pwd123", "xx789xx") 
Source:

Citibank Online - Choosing a User Name
Citibank Online - Choosing a Password



sunbeams
post Aug 5 2006, 01:21 AM

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QUOTE(David83 @ Aug 5 2006, 12:15 AM)
Meaning they won't suspend the login? I thought it's a common practice to suspend login if failed for 3 times.
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I've never entered wrong password/PIN numbers for any online banking system before, and hence, I can't give any testimonials.

Any volunteers here wishing to verify this?

sunbeams
post Aug 5 2006, 01:23 AM

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QUOTE(acougan @ Aug 5 2006, 12:16 AM)
haha, i think i'm ready for citibank

Username : CITIBANKXQK74WZG02J04V583P8347958F6MF5B6H85I01ODRA

Password : PASSWORD8758HDSL3OZ75N78HGZ7W7UC89LJ3U3X23142K4U84

/
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acougan, you ARE THE MAN!

An excellent choice there!
sunbeams
post Aug 5 2006, 06:27 PM

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QUOTE(ayu @ Aug 5 2006, 03:30 PM)
Dunno where can ask , so i ask on here,
I have open an new company account on HLB last few years, but was closed edi near 2 years,coz my all helpful friend helping me to close the account

Im open the company account on the HLB, last time ( Pok Cek ) til my account closed, Dhen i still O the HLB RM11xx like that, can i know issit i go settled that all balance dhen can use back my HLB company account edi?
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I can't really understand your question. Could you perhaps phrase it in a language you are more comfortable with? E.g. Bahasa Melayu, Mandarin etc
sunbeams
post Aug 5 2006, 08:52 PM

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QUOTE(ayu @ Aug 5 2006, 07:04 PM)
Ok..i use campur campur 1...lol
saya buka company cek account on the hong leong bank. lepas tu. cek aku terkeluar semua, because my bank no have money as i open a cek to my ( helpful ) friend, lepas tu dah tertutup, lagi pun utang the Hong leong bank RM11xx ..belum settled lagi ..sekarang saya nak tahu boleh ke aku buka balik my company account on hong leong bank?
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Kalau cek-cek yang dikeluarkan telah "bounce" (tidak sah, disebabkan kekurangan baki dalam akaun) sebanyak tiga kali, nama anda akan disenarai-hitamkan di semua bank (direkodkan oleh Bank Negara).

Lebih baik jikalau anda menerangkan situasi ini kepada pihak bank dan fahamkan cara-cara untuk selesaikan masalah ini. Saya bukan pakar hal-ehwal kewangan dan bank, jadi saya tidak dapat bantu banyak.
sunbeams
post Aug 5 2006, 09:04 PM

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QUOTE(ayu @ Aug 5 2006, 07:54 PM)
Thanks for reply, I dah bincang same bank tu..it say cannot open back an new account on 1year, but now was 2 year edi.. so just want to ask issit need to settled that all balance i o 1st? Dhen only can open back a account?
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I don't know what the rules are, but if I was the bank, I would obviously insist you settle the debts before opening a new account
sunbeams
post Aug 13 2006, 09:46 AM

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QUOTE(samurai1337 @ Aug 13 2006, 07:24 AM)
Believe it or not I've spent one hour scratching my head thinking for a password. And most of the time I can't remember it when I log-in. It brings so many problems to the users  sweat.gif
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With that, Citibank customer service would have to put up with more "my account has been locked" problems. Good luck to them.
sunbeams
post Aug 13 2006, 11:46 AM

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QUOTE(samurai1337 @ Aug 13 2006, 08:57 AM)
I'm fine with most except the "cannot have more than 3 consecutive characters" rule. It's the funniest rule i've ever seen in public websites and I don't understand how it helps citibank become more secure.
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It's a way of ensuring users do not choose passwords that are too easy to crack. They probably did a historical finding on passwords that customers use, and many of them might have similar patterns.
sunbeams
post Aug 13 2006, 02:21 PM

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QUOTE(acougan @ Aug 13 2006, 11:20 AM)
hmm, i tot my impractical 50-char alphanumeric username & password were good enough to fit the rules tongue.gif

anyway, i dont hv citibank account, but an example of simple & effective password would be MONDAY911DECEMBER or MON9DAY11. i always use two common dictionary words and join/break them with numbers. using BM or even other dialect/slang words would be a good choice too.
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Nice way to come up with a password there.

In my case, I would spell a phrase (name, sentence, idiom) in Thai. Since the Thai character set uses both alpha and numeric sections of the keyboard, it would be hard to crack. And also conforms to the password policy.

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sunbeams
post Jan 7 2007, 12:09 PM

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Just a quick question here: Anyone users here using Hong Leong Bank's internet banking portal? I find it very slow and lagging of late (even before the earth quake saga). Been getting very frequent timeouts.

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