Electronic banking has transformed the way we manage our finances forever.

Instead of having to call the bank, go there or wait for a statement to find out just how much money we've got or where it's all gone, we can just log on at the bank's website and find out immediately. It's an enormous money and time saver, for both the customer and the financial services provider.

Yet internet banking has had poor press recently, primarily due to concerns about the safety of accessing your bank accounts over the public web. Stories abound of hackers stealing account or card details and going on amazing shopping sprees, with the unsuspecting consumer left to chase their bank for the money they lost.

These fears have contributed to many men and women switching back to phone banking and calling their financial service providers, for fear of becoming a victim of identity theft.

Many fears of internet banking are unfounded, however. By far the most common way fraudsters get account details is not by hacking the bank, but rather by sending out scatter shot spam to millions of men and women telling them to click a link and enter their account details for some reason, in the hope that a few will.

There is always someone who knows little enough about how the web works to enter their information into a fake website, not even realizing anything occurred until the fraudsters drain their bank account.

Very basic education can stop this threat in its tracks, however, and make your online banking experience almost 100% safe. The easiest piece of guidance is not to click any link in an email that claims to be from your bank: rather, use your web browser and type in the address of the financial services providers website yourself.

Also, if you are asked for your account details and password, make sure to look at the address bar in your internet browser, to check that you are looking at your bank's internet site and not an impostor.

If you're still scared, remember that Internet banking fraud makes up a small percentage of all bank fraud.

You're much more likely to become a victim whenever you hand your credit card over in a restaurant than you are if you bank online. Just like any other kind of fraud, your bank should cover you for any money you lose, but it is really very unlikely that it'll ever happen.

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