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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Quick Answer To get a business loan in Southern Nevada, prepare strong financial documents, maintain good credit, and present a solid business plan. CCCU shares a step-by-step guide to help business owners navigate the business loan application process in Southern Nevada. Securing a business loan in Las Vegas can be a game-changer for business owners looking to grow or expand their operations. Whether you’re purchasing equipment or buying a building, understanding how to apply for a business loan is key to securing the funding you need. Step 1: Check Your Credit Score Lenders assess your personal and business credit to determine your reliability. A strong credit score (typically 680 or higher) improves approval odds and can secure better loan terms and lower interest rates. Check out Nerd Wallet’s article to learn how to get and build a business credit score . Step 2: Prepare Financial Documents Having well-organized financial records is essential when applying for a business loan. Before meeting with a lender, prepare necessary documents to demonstrate financial stability and ensure a smooth approval process. Tax returns (personal & business) Profit & loss statements Balance sheets Bank statements Step 3: Develop a Solid Business Plan A clear, well-structured business plan helps lenders understand how you will use the funds and repay the loan. A strong plan improves your chances of approval and should include: Revenue projections Growth strategy Market analysis The Small Business Administration also shares important tips on how to write a business plan . Step 4: Determine the Right Loan Type Understanding which loan best fits your business needs can simplify and focus the application process. Common business loan options include: Term Loans – Best for large, one-time expenses. Lines of Credit – Ideal for managing short-term cash flow. SBA Loans – Government-backed loans with lower interest rates. Step 5: Work with a Trusted Lender CCCU has an experienced commercial lending team that has helped many Las Vegas business owners secure the funding they need to grow. A longtime CCCU member and business owner, Ben C., an Internal Medicine Physician with Calderon Medical Group said, “Daniel R. and Rosy N., along with the whole team, continue to patiently guide us every step of the way. CCCU has been instrumental in our growth and expansion of services. They have afforded us not only the necessary funds but also the peace of mind that someone is here to support our needs.” Conclusion Applying for a business loan in Southern Nevada requires preparation, strong financial documents, maintaining a good credit history, and working with a lender that understands your business goals. If you’re ready to take your business to the next level, CCCU can help guide you through the process. Contact our commercial team to explore your financing options. Visit www.CCCULV.org or call 702-228-2228 to learn more.

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