Digital certificate is like a tamper free seal, and any changes can easily be detected. Digital certificates, therefore, are known for providing high-level security.RSA is an algorithm used in digital certificates. The paper focuses on implementing a secure modified RSA algorithm for virtual banking over the internet. Virtual banking requires a lot of online transactions and money transfers. Therefore, it is essential for the system to be secure. The modified RSA approach uses three prime numbers pv,, qv, rv instead of two and is much more secure than the regular RSA. Implementing this modified approach increases the security of virtual banking by level 2. The paper also proposes a method to secure the values of pv, qv, and rv stored in the database, in order to avoid offline hacking. © 2016, International Journal of Pharmacy and Technology. All rights reserved.