1. Enable Two-Factor Authentication (2FA): Two-factor authentication adds an extra layer of protection to your accounts. By requiring a second verification step—such as a code sent to your phone or biometric data—you make it significantly harder for unauthorized users to gain access.

2. Recognize and Avoid Phishing Scams: Phishing scams are designed to trick you into sharing personal information through fraudulent emails, texts, or websites. Be cautious of messages that ask for sensitive details, even if they appear legitimate. Remember, we will never request your PIN or password via email or phone. When in doubt, contact us directly to verify.

3. Set Up Alerts and Banking Notifications: Set up notifications for activities like large withdrawals, login attempts, or changes to your account settings. Real-time alerts allow you to identify and address suspicious activity quickly. You can set up and customize banking alerts anytime through Credit Union of America's digital banking platform — whether you're using a browser or the CUA app.

4. Avoid Saving Passwords in Your Browser: While it might be tempting to let your browser store passwords for easy access, it's a risky habit. If your device is lost, stolen, or accessed by someone else, they could gain entry to your accounts. Instead, consider using a reputable password manager to store and organize your login information securely.

5. Steer Clear of Public Wi-Fi: Public Wi-Fi networks, such as those in airports, coffee shops, or hotels, are often unsecured. Cybercriminals can exploit these networks to intercept your data. If you need to connect publicly, use a Virtual Private Network (VPN) to encrypt your internet activity and keep your information safe.

6. Keep Your Apps and Operating Systems Updated: Software updates are more than just new features. They often include critical security patches that protect your devices from vulnerabilities. Set your apps, tools, and operating systems to update automatically to ensure you're always using the most secure versions.

7. Limit Personal Information Shared Online: Think twice before sharing personal details on social media or other platforms. Cybercriminals can piece together information like your birthdate or pet's name to guess passwords or security questions.

8. Be Mindful of App Permissions: Before granting apps access to your contacts, photos, or location, ask yourself if it's truly necessary. Limiting permissions minimizes the risk of your data being misused or exposed.