Banking Safely Online

Images of an iPhone, laptop, desktop and iPad with showing online banking screens on each

Tips for Banking Online Safely

Online banking is one of the most convenient, efficient, and secure technologies developed this millennium. But, like any online tool, it is up to the user to be diligent with processes to help make each experience as safe as possible.

 Texas Department of Banking logo    Texas Bankers Association logo                        NDBT logo

Following are tips offered by the Texas Department of Banking, Texas Bankers Association, and NDBT to assist in efforts to keep your online banking safe and secure:

Orange star Monitor Your Accounts Regularly. Make sure that all transactions posted are ones you have authorized. Report any suspected fraudulent or suspicious activity to NDBT immediately.

Orange star Look Out for Strange Emails. Don’t respond to emails that claim to be from NDBT (or any other bank or company) requesting your account details or passwords. Banks will not reach out to you over email to ask for your account details.

Orange star Avoid Clicking Links in Emails. It is usually much safer to log in to the bank website manually to ensure you are entering a secure site.

Orange star Change Your Bank Passwords Regularly. Avoid using the same password across multiple sites and make sure you are choosing a strong password that is a mix of upper and lower case letters, numbers and special characters. Avoid using any words or phrases that contain your name, initials or your birthdate.

Orange star Enable Two-Factor Authentication. Many financial institutions (including NDBT) have added a layer of security for account holders. Two-factor authentication requires you to enter an extra verification credential before you can access your account.

Orange star Disable Automatic Login. Do not allow your web browser to store private username and password information for your online banking websites.

Orange star When Available, Only Use Your Bank’s Official Mobile Apps. And make sure you download apps from reputable sources such as the Apple Store or Google Play Store.

Orange star Not Sure Something is Legitimate? Do you have questions about the bank’s technology? Contact us. We are happy to help!

Additional Resources About Online Safety:

Texas Department of Banking –
Texas Bankers Association –
Better Business Bureau –

Headshot of NDBT EVP Gina Brown

Gina Brown, CRCM
Executive Vice President
Enterprise Risk Manager | Information Security Officer


NDBT logo

NDBT logo


We are currently converting to a new Digital Banking System. Login to online banking will be available again at 8am CDT Tuesday, May 7.

Account sign up:

Please pick your Account type:

Please Be Aware

Email messages are not always secure. We are not responsible for the confidentiality of communications sent to us via email. Generally, our security software does not encrypt email messages, unless we specifically send you a message via ShareFile. Email messages traveling across the Internet can be subject to viewing, alteration and copying by anyone on the Internet. Always exercise caution when submitting financial or personal information via email. Existing customers should always send confidential information through the secure portal located inside of their online banking session.

Please Be Aware

This link will take you away from NDBT‘s website and will redirect you to another site outside our domain. NDBT makes no endorsements or claims about the accuracy or content of the information contained in these sites and the security and privacy policies on these sites may be different than those of NDBT.