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7 Tips for Staying Safe Online
Nusenda Credit Union values your financial security. Below are tips to assist you in observing best practices in online banking.
- Monitor your accounts frequently.
With Internet Banking, log in and review your account history as often as you’d like to ensure its authenticity. Some experts recommend reviewing your records daily; others say to do so when you make online transactions in order to verify them. Either way, online access gives you an opportunity to check more than once a month.
- Use strong passwords, and change them regularly.
Use a combination of at least 8 to 10 letters, numbers, capital letters and lower-case letters, and special characters. Do not use personal information or repeat the same password among different accounts. If you suspect illicit activity, change your passwords immediately and call your financial institution. Consider using a password manager, such as LastPass (www.lastpass.com).
- Keep your computer and mobile device operating systems and programs up to date.
When upgrades are released, update your programs to keep your security current. Use a firewall if possible, and run antivirus software.
- Access your accounts from a secure location.
Beware of logging in via public computers.
- Avoid clicking through from emails to websites; type in the URL yourself.
Some scammers send emails that look deceptively authentic; protect yourself by avoiding clicking on links from emails. And remember: No reputable financial institution will send you an email asking you to provide your log-in details.
- Don’t access financial sites with other browser windows open, and log out when you’re finished conducting your banking actions.
This lessens the risk of cross-site scripting exploits. You should also set your browser to clear its cache at the end of each session.
- Check for encryption.
To check if you’re really logging in to your intended financial site, as opposed to an imposter’s, look for a small lock icon somewhere on your browser. The URL should also begin with “https.” The icon and URL indicate you’re accessing your account over an encrypted connection.
- Nusenda CU protects member data through strict internal procedures and data security processes. We use multiple layers of security, beyond what we are mandated to do through state or federal regulations. In addition, external examiners evaluate the security of our systems and identify new ways to protect member data.
- If you suspect that fraudulent activity has occurred in one of your accounts, call that institution immediately to minimize damage and loss to your assets. Call us at 889-7755 (800-347-2838 outside the Albuquerque area).
- If you suspect that your identity has been compromised, use the toolkit at https://www.balancepro.net/identitytheft/index.html for instructions on what to do next.
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