Online banking makes managing your finances more convenient than ever, but it’s important to stay vigilant about security. Cybercriminals are always looking for ways to steal sensitive information, and a few smart precautions can help keep your accounts safe. At F&M Bank, we prioritize your security. Follow these essential tips to protect yourself from fraud and cyber threats.
- Keep Your Passwords Secure
Your online banking password should be strong and unique. Use a mix of uppercase and lowercase letters, numbers, and special characters. Avoid using easily guessed information like birthdays or common words. If you have trouble keeping track of passwords, consider using a trusted password manager.
- Never Share Your Login Information
F&M Bank will never ask for your password, PIN, or other sensitive details over email, phone, or text. Be wary of phishing attempts—fraudsters often pose as banks or other legitimate businesses to trick you into giving up personal information. If you receive a suspicious request, contact us directly.
- Monitor Your Accounts Regularly
Checking your bank account frequently can help you catch unauthorized transactions quickly. If you notice any suspicious activity, report it immediately. Many banks, including F&M, offer mobile and online banking tools that make monitoring your transactions quick and easy.
- Use Secure Connections
Only access your online banking accounts from a trusted device and a secure internet connection. Avoid using public Wi-Fi networks for financial transactions, as they are more vulnerable to hackers. If you must use public Wi-Fi, consider using a virtual private network (VPN) for added security.
- Keep Your Devices Updated
Cybercriminals often exploit outdated software to gain access to accounts. Protect yourself by keeping your operating system, web browser, and banking apps updated. Enable automatic updates whenever possible to stay ahead of security threats.
- Be Cautious with Emails and Links
Scammers use fake emails that look like they’re from your bank to steal login credentials. Never click on links or download attachments from unknown senders. Instead, type your bank’s official website address directly into your browser.
- Shred Documents Containing Personal Information
Even in a digital world, paper documents can still pose a security risk. Shred old bank statements, credit card offers, and other sensitive paperwork before discarding them to prevent identity theft.
- Use Strong Anti-Virus and Security Software
Protect your devices with reputable anti-virus software, and keep it updated. Security software can detect and block malware, phishing attempts, and other online threats before they compromise your information.
- Enable Multi-Factor Authentication (MFA)
Many banks offer multi-factor authentication (MFA) as an extra layer of security. This feature requires an additional step—such as a one-time code sent to your phone—before you can log in. Enabling MFA makes it much harder for hackers to access your account, even if they obtain your password. At F&M Bank, we’re committed to helping you bank securely. By following these simple yet effective steps, you can significantly reduce the risk of fraud and unauthorized account access. If you ever have questions or suspect suspicious activity, contact us right away. Your security is our priority!