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Cybersecurity: Online Banking Safety


Guide to Online Banking Safety


Use Strong Passwords

Strong Passwords for a Secure Digital Life

Our online lives have expanded, and with them, the need for strong passwords has grown exponentially. On average, users manage over a hundred passwords, making it challenging to keep them all secure.

Fortunately, there's a solution: password managers. These tools generate and store complex, unique passwords for each account, significantly enhancing security.

Key Tips for Strengthening Your Passwords

  • Length Matters: Longer passwords, with at least 16 characters, are the hardest to crack.
  • Complexity Counts: Use a mix of upper and lower-case letters, numbers, and symbols. Alternatively, create memorable passphrases using unrelated words and get creative with spelling and symbols.
  • Uniqueness Is Essential: Never reuse passwords across accounts.

Remembering a multitude of long, unique passwords is impossible for most people, which is where password managers come in. These tools not only create strong passwords but also store them securely. You only need to remember one master password, so make it memorable and unique.


Multifactor Authentication

Multifactor Authentication: The Guardian of Your Digital Fortress

While many have heard of multifactor authentication (MFA), its significance is often underestimated. MFA adds an extra layer of protection by requiring a secondary method to confirm your identity when logging into accounts. This usually involves receiving a code on your phone or email or using an authenticator app. Even if your password is compromised, MFA ensures unauthorized users can't access your accounts.

Enabling MFA: A Simple Yet Crucial Step

  1. Access your account settings.
  2. Turn on multifactor authentication (also known as two-factor authentication or two-step authentication).
  3. Choose your preferred MFA method, such as text or email codes, authenticator apps, or biometrics like facial recognition or fingerprints.

Embracing MFA is a proactive step toward safeguarding your online presence and personal data.


Recognize and Report Phishing

Don't Take the Bait: Recognize and Report Phishing Attacks

Phishing attacks have become increasingly common and sophisticated. These attacks aim to trick individuals into opening harmful links or attachments that can steal personal information or infect devices. Recognizing phishing attempts is crucial to protect your accounts and sensitive information.

Common Phishing Red Flags

  • Urgent or alarming language
  • Requests for personal and financial information
  • Poor writing, misspellings, or unusual language
  • Incorrect email addresses, domain names, or links

If you encounter these signs, it's essential to report phishing attempts promptly. Your quick action not only protects you but also helps prevent others from falling victim to the same scams.


Update Software

Stay One Step Ahead: Update Your Software Regularly

One of the easiest ways to bolster your digital security is by keeping your software and applications up to date. Updates include fixes for software issues and security patches for known vulnerabilities. Ignoring or delaying updates can leave you vulnerable to cyber threats.

Steps to Keep Your Software Up to Date

  1. Check for notifications or updates in your device and applications.
  2. Install updates promptly, especially critical ones.
  3. Turn on automatic updates for hassle-free protection.

By following these steps, you can stay ahead of cybercriminals and maintain a secure digital environment.


Access Your Bank Information Securely

Secure Access to Your Financial World

Accessing your bank information from a secure location is paramount for financial security. Public Wi-Fi networks in coffee shops, airports, and hotels can expose your personal information to hackers. To protect your accounts and sensitive data, always access your bank accounts through a secure internet connection and from a personal device with up-to-date security software.


Do Your Research Before Providing Account Information

Research Matters: Protect Your Financial Data

Online transactions are a routine part of modern life, but before sharing your account information, it's essential to do your research. Ensure you're dealing with a trusted and secure entity by checking for the lock symbol and "https" in the website's URL. Additionally, research the company's data protection policies and understand their response to data breaches.


A Closer Look at the Latest Scams

Protecting Your Finances

Learn why it's crucial to hang up and call back using verified phone numbers and keep your secure code confidential. Financial institutions won't repeatedly ask for your personal information; this final barrier is your defense. Contrary to popular belief, these scams aren't exclusive to senior citizens. Cases among college-aged individuals make it crucial for everyone to remain vigilant. Empower yourself against scammers by staying informed and cautious. Scammers are constantly evolving, but with the right knowledge, you can protect yourself from falling victim to their deceptive tactics.



The digital age offers incredible opportunities and convenience, but it also presents cybersecurity challenges. As we navigate the online landscape, it's crucial to prioritize our digital safety. The National Cyber Security Alliance Month (NCSAM) theme this year is “Do Your Part. #BeCyberSmart.” This theme emphasizes personal accountability and the importance of taking proactive steps to enhance cybersecurity.

By using strong passwords, enabling multifactor authentication, recognizing and reporting phishing attempts, keeping software up to date, accessing your bank information securely, and conducting research before sharing account information, you're taking significant steps to protect yourself in the digital world.

Your financial well-being is worth the extra effort. Take the time to research and ensure that your account information is shared with trusted and secure entities. This simple precaution can go a long way in protecting your financial security.

We've recently noticed a rise in fraud activity. Please remember that Cabrillo Credit Union will NEVER call and ask for personal information, such as social security numbers, passwords, card numbers, PINS, or other sensitive details. 

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