HENDERSON
CHAMBER OF COMMERCE

Quick Summary Online banking security is crucial as cyber threats grow. Top threats include spoofing, malware, public Wi-Fi risks, and weak passwords. CCCU shares essential tips on how to protect your finances. In today’s fast-paced digital world, online banking security is more important than ever. While digital banking offers unmatched convenience, staying vigilant ensures a safe and secure banking experience. Here are the top four online banking security threats and tips to avoid them: 1. Spoofing Scams Spoofing happens when fraudsters manipulate caller IDs, email addresses, or websites to appear as legitimate companies. Their goal is to steal your bank information by asking you to click links or answer questions pertaining to your bank account or login credentials. Tip: If in doubt, directly reach out to your financial institution using their official contact details. 2. Malware and Viruses Malware can infect devices, putting your personal and financial data at risk. Cybercriminals often use malicious software to steal banking details and exploit sensitive data for their own gain. Tip: Regularly update your devices and install trusted antivirus and anti-malware software. Older devices may not accept current updates, making them a risk. 3. Public Wi-Fi Vulnerabilities Public Wi-Fi networks are often unsecured, making it easy for hackers to intercept data. Tip: Never access your online banking account on public Wi-Fi. Use a secure, private network or a virtual private network (VPN). 4. Weak or Reused Passwords Using simple or reused passwords increases the risk of unauthorized access to personal and financial accounts. Tip: Create strong, unique passwords for each account. Use a combination of upper and lowercase letters, numbers, and symbols. Additional Safety Tips: Enable multifactor authentication (MFA) for extra security. Download banking apps from verified sources only. Monitor your accounts regularly for suspicious activity and set up account alerts. Log out after every session, especially on shared devices. Conclusion Protecting your online banking security starts with staying informed and proactive. Remember that knowledge is key to safeguarding your finances, so always verify unexpected messages or calls and think twice before clicking any links. CCCU offers resources to help you fight fraud and scammers; visit www.ccculv.org/Fraud-Protection or call us at 702-228-2228 to report any fraudulent transactions.

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