My CBC offers convenience and flexibility. By understanding common online situations and knowing what to look out for, you can make informed decisions and enjoy a safer banking experience.
The 5 Entry Points
Scammers do not need to break into your account if they can trick you into opening the door yourself. Here are five tactics you need to be able to recognize.
A fake email or website made to look like it is from your bank, asking you to click a link and log in. The giveaways are usually there if you look closely. Misspelled sender addresses, generic greetings, and pressure to act immediately.
A text message saying your account is locked, or that you won a prize, with a link to click. The moment a text message asks you to click a link and log in, treat it as suspicious.
Someone calls or messages pretending to be from your bank, sometimes even naming an actual employee or department to sound convincing. They will ask for your OTP, your PIN, or ask you to move money to a safe account
Malicious software that can quietly install itself on your phone, often through links in texts, emails, or messaging apps, or through apps downloaded outside official app stores. Once it is in, it can steal your information, compromise your accounts, and put your finances at risk.
Scammers pose as government employees, urging you to download a fake eGovPH or SSS app through a link. Once installed, it secretly steals your data and gives them access to your accounts.
Whether through email, text message, phone calls, or mobile applications, many online interactions appear routine and legitimate at first glance. Taking a moment to review a message or request before responding can go a long way toward protecting your information.
How Scammers Operate
Many online incidents follow a similar pattern. A request is received, a decision is made quickly, and information is shared before verification takes place.Before responding to any request involving your accounts or personal information, it helps to pause and ask a few simple questions.
Helpful Reminders
Who is contacting me?
Am I expecting this message or call?
Does this request involve my password, PIN, OTP, or account information?
Can I verify this through official Chinabank channels?
A few extra moments of verification can help you make more informed decisions
Where To Stop Them
Good digital security often starts with a few consistent habits.
Remember These Everyday Practices:
✅Verify before responding - Take time to confirm requests before taking action.?
✅Keep passwords and OTPs private - These details should remain known only to you.
✅Download applications from trusted sources - Use official app stores whenever possible.
✅Be cautious of urgent requests - Important matters can always be verified through official channels.
✅Contact the bank when unsure - When in doubt, a quick verification can provide peace of mind.
Your Protection Toolbox
My CBC includes security features that help you manage and protect your accounts more effectively.
Your Security Toolkit:
A more convenient and secure way to access your account.
Adds protection by linking access to your registered device.
Manage your card's availability whenever needed.
Provides an added layer of control for eligible funds.
Manage certain account activities according to your preferences.
Adjust available security options to suit your personal needs.
Scam Emergency Checklist
Not every message, call, or request requires an immediate response.
If you encounter an unfamiliar situation, remember these four steps:
Take a moment before responding.
Review the source of the message, call, or request.
Contact Chinabank through official channels if needed.
Continue only after you are confident the request is legitimate.
AFASA LAW
AFASA, or Republic Act 12010, is the Philippines' toughest law yet against financial account scams. It's backed by the Bangko Sentral ng Pilipinas.
What does it cover? It penalizes things like:
Money muling, which means lending or selling your bank account to someone else.
Opening accounts using fake names or someone else's ID.
Social engineering, when someone tricks you into giving up your OTP, PIN, or account access.
Unauthorized access to your financial accounts.
Banks are required to maintain adequate protection and risk management measures against fraud, and if it's shown that a bank fell short in safeguarding an account, they can be held accountable. At the same time, customers also play an important role: staying alert, informed, and cautious helps ensure that both parties are doing their part in keeping accounts secure.
Your first line of defense is still yourself. That's why it's just as important to know the security features already built into your app.
This is where My CBC comes in. Aligned with AFASA, there are security features you can activate yourself as a customer:
Passkey, a more secure way to log in, no password needed.
Single Device binding, so your account only works on your registered device.
Card lock and unlock, so you can freeze your card instantly the moment something looks off.
Money Lock, which protects your savings from being moved without your say.
Transaction Pause and Adjust Limits, so you control how much, and when, your money can move. All of these are already in your My CBC app. And you're the one in control.
All of these are already in your My CBC app. And you're the one in control. AFASA is here to protect you.
But that protection is even stronger when you use the tools already in your hands. Check your My CBC app today. Activate these security features. Know your rights. Use your protections.
