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bank account on the Internet: safe care is fundamental

04/29/2016

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The ability to open or close the web accounts requires caution of banks and consumers to prevent fraud alert Idec. Furthermore, the right to information and other rules that protect the client should continue to be respected 

The National Monetary Council (CMN) announced this week a new rule authorizing banks to perform the opening and closing current account or savings over the Internet. 

It said the measure is optional and can only be applied if the financial institution has mechanisms to ensure the security of personal data and customer privacy in order to prevent fraud. 

The novelty pleased many consumers, especially those already used to do banking by computer or application. But for this initiative bring convenience fact, care will need to be redoubled. "The measure will require more rigorous security and communication between financial institutions and their customers, since the virtual environment is conducive to blows," says Ione Amorim, an economist and researcher at IDEC. 

Moreover, it points out that the possible implementation of online account opening process can not prevent consumers to have access to other service channels of the bank, such as branches, ATMs and telephone. 

standardization 

To confirm the hiring or termination of the account will be possibly required some kind of procedure to confirm the authenticity of the data and the consumer's request - as a document of photo submission, checking some code by message or by application etc. 

As there is still no standard for these procedures, there may be abusive situations for the consumer, that expose their intimacy, for example, or representing not justifiable costs. Therefore, in order to avoid problems, Idec believes that the Central Bank should create a rule specifying the possible procedures at this stage, following the Consumer Protection Code (CDC). 

Eyes open 

If they decide to deploy the opening or closing of the internet accounts, banks should continue to follow the rules of the CDC and the Central Bank in relation to consumer rights that already apply to the traditional process, the bank branch. 

See, then, the main points that must be met: 

- The bank can not induce the consumer to error. The entire process should be clear, no information about the service or document may be omitted from the contractor. 

- At the opening of the account, additional services or representing extra fees, such as credit card or overdraft, can not be included without consumer interest. The practice features tying and is illegal under Article 39, I, of the CDC. 

- All information about the services and their costs must be clear before the actual hiring. On the internet, it would be easier if it were available a 'summary sheet ", along with the contract of the chosen package to offer a customer base of comparison. It could also be the option of inclusion or exclusion of services to see covered in this form before the final contract. 

- The CDC states that the consumer has up to seven days to cancel a service contracted outside a commercial establishment. Thus, the same rule should apply to opening accounts online. 

- Consumers also need to protect yourself: Keep the antivirus system updated computer, avoid doing this type of operation wi fi open, public networks, make sure that the bank's website has a "lock" and always suspicious of e- mails supposedly from the bank, especially with links. 

- If consumers take all necessary precautions and still have problems in operation or are the victim of a stroke, the CDC ensures that the responsibility for remedying the damage is the bank, regardless of fault.

Source: Idec

To access the IDEC website, click here.

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