I'm helping out a friend who is concerned about online banking security for an elderly user. They recently heard from Chase's customer service that, along with changing passwords and enabling two-factor authentication, they should consider using a VPN for extra protection. The user in question does their banking on a desktop computer running Windows 11 and using an up-to-date version of Chrome. I personally think a VPN might be unnecessary since banking data is already encrypted. Plus, using a VPN could complicate login processes if it alters her IP. However, I wonder if a VPN would be advisable if she was using her phone on public Wi-Fi for banking. What do you all think? And if a VPN is needed, which service would you recommend that also has an iOS app?
4 Answers
Honestly, the most critical security is ensuring you're using HTTPS, and all banks use that. A VPN won't enhance that protection. It’s better to know what you’re doing online rather than just relying on a VPN, especially if she’s on secured home Wi-Fi.
Exactly! Plus, educating her about phishing scams is essential too.
Using a VPN might pose more risks than benefits for banking. Since banks already have strong security protocols, a consumer VPN can create problems like false flags for unauthorized access. Better to focus on security software for the personal computer instead.
I've heard that too! Some people think a VPN keeps all their information safe, but that's just not the case.
For real! The emphasis should be on genuine security practices and maintaining a clean device.
Honestly, a VPN isn't necessary for her banking needs. The data is already secured through encryption between her device and the bank. The idea that a VPN adds much in terms of security for banking purposes is a bit misguided. Using a VPN could even trigger security flags at the bank due to IP changes, which can make access more complicated. Just focus on keeping her computer secure from malware and ensuring she uses the official website directly.
Totally agree! A VPN adds privacy but not much more for banking, and it's risky to use on sketchy Wi-Fi.
Exactly! Users should be careful on public Wi-Fi, but not worry about a VPN for banking when she's using a secure connection.
Chase's suggestion seems off. Secure banking should focus on other things, like avoiding random Wi-Fi and ensuring the computer is malware-free. If she does consider using a VPN, it should be trusted and comprehensive, but honestly, it might not add real value to her banking security.
Right? The most critical part is ensuring you have a secure internet connection, not just throwing a VPN at the problem.
Exactly! There's a misconception that a VPN can protect HTTPS connections when it's not really the case.
For sure! I always tell others that as long as they’re careful and stay on the right websites, they should be fine.