Online banking is incredibly convenient—but with that convenience comes the responsibility to protect your financial information. Whether you’re checking your balance from your phone or transferring funds from your laptop, following secure online banking tips can help you stay safe and confident in your digital banking experience.

Here’s a quick guide to help you bank smarter and safer:

Login & Authentication: Lock It Down

• Use Multi-Factor Authentication (MFA): MFA adds an extra layer of security by requiring a second form of verification—like a text code or fingerprint—alongside your password.
• Create Strong, Unique Passwords: Avoid using the same password across multiple sites. Use a mix of letters, numbers, and symbols—and skip the pet names and birthdays.
• Watch for Fake Login Pages: Always double-check the URL before entering your credentials. If something looks off, it probably is.

Session Management: Don’t Leave the Door Open

• Log Out After Each Session: Especially on shared or public devices, logging out is a simple but powerful habit.
• Avoid Saving Credentials on Shared Devices: It might be convenient, but it’s risky. Keep your login info private.
• Enable Auto-Logout: If your banking platform offers automatic logout after inactivity, turn it on. It’s a great safety net.

Monitoring & Alerts: Stay in the Know

• Set Up Account Alerts: Get notified about large transactions, login attempts, or changes to your account. These alerts can help you catch suspicious activity early.
• Review Transactions Regularly: Make it a habit to scan your account history. Even small unauthorized charges can be a red flag.
• Report Suspicious Activity Immediately: If something doesn’t look right, contact your financial institution ASAP.

Device & Network Security: Keep Your Tech Tight

• Update Your Devices: Regular software updates patch security vulnerabilities. Don’t ignore those update reminders!
• Use Secure Wi-Fi: Avoid logging into your accounts on public Wi-Fi. If you must, use a VPN.
• Skip Public Computers: They’re convenient, but not secure. Save your banking for your personal devices.

Secure Messaging & Support: Communicate Safely

• Use the Secure Messaging Portal: If your credit union offers a secure way to message support, use it instead of regular email or text.
• Never Share Sensitive Info via Email or Text: Account numbers, passwords, and Social Security numbers should never be sent through unsecured channels.
• Verify Communications: If you get a message claiming to be from your credit union, double-check its legitimacy before clicking any links or sharing info.

Final Thoughts

Online banking doesn’t have to be risky—as long as you stay informed and proactive. By following these secure online banking tips, you can enjoy the convenience of digital banking with peace of mind.

To learn more about Directions Online banking, visit: Online Banking | Directions Credit Union

Stay safe!