Protect Your Online Accounts: Best Practices for Members
In today’s digital age, online banking offers convenience and accessibility like never before. At People Driven Credit Union (PDCU), we’re committed to providing you with secure and reliable tools to manage your finances. However, maintaining security also requires good practices on your part. As we recognize October as Cyber Security Month, let’s explore some essential tips to help you protect your online banking information and keep your accounts safe from cyber threats.
1. Use Strong, Unique Passwords
Your password is your first line of defense against unauthorized access to your account. Follow these guidelines to create a strong and secure password:
- Avoid common passwords such as “password123” or “qwerty.” These are easy for hackers to guess.
- Make it complex using upper and lowercase letters, numbers, and special characters (like @, #, or !).
- Create a unique password for your PDCU account and avoid reusing the same password across multiple sites. If one account is compromised, you don’t want others to be at risk.
- Use a passphrase — a string of random words or a memorable phrase like “Sunshine!4CloudyDays” can be easier to remember but difficult for others to guess.
Consider using a password manager to store your passwords securely and make it easier to manage multiple accounts. For more information, read How to Create Strong Passwords You Can Remember.
2. Enable Two-Factor Authentication (2FA)
Two-factor authentication (2FA) adds an extra layer of security to your online banking by requiring a second form of verification in addition to your password. When you enable 2FA on your PDCU account, you’ll need to enter a unique code sent to your phone or email each time you log in.
This extra step ensures that even if someone gets hold of your password, they won’t be able to access your account without the second form of authentication. It’s one of the most effective ways to safeguard your account from fraud.
3. Avoid Public Wi-Fi for Financial Transactions
Public Wi-Fi networks, such as those in cafes, airports, hotels, and rental properties, are often unsecured and susceptible to hacking. Cybercriminals can intercept data transmitted over these networks, putting your financial information at risk.
Whenever possible:
- Use a secure, private connection like your home Wi-Fi network when accessing your PDCU online banking.
- If you must use public Wi-Fi, consider using a virtual private network (VPN) to encrypt your data and keep it safe from prying eyes.
4. Regularly Monitor Your Accounts
Vigilance is key to identifying any suspicious activity early. Make it a habit to log in and review your account transactions regularly. Look for unfamiliar charges or any changes to your account information.
To help you stay on top of your finances, PDCU offers real-time alerts that notify you of significant activity on your account, such as large withdrawals, logins from new devices, or changes to your personal information. Setting up these alerts ensures you’re immediately aware of any unusual activity.
5. Log Out After Each Session
Once you’ve finished banking online, always log out of your account. This is especially important if you’re using a shared or public device. Leaving your account open could give others access to your financial information. Logging out after each session adds an extra layer of protection on personal devices, even if your device is stolen or lost.
6. Keep Your Software Up-to-Date
Software updates often include security patches that protect your devices from the latest cyber threats. Ensure your operating system, internet browser, and MyPDCU app are updated regularly to benefit from the latest security enhancements.
Stay Safe
By following these best practices, you can help protect your financial information and enjoy peace of mind while banking online with PDCU. At People Driven Credit Union, we take cybersecurity seriously and encourage all our members to do the same. If you ever suspect fraudulent activity or need assistance with your online account, don’t hesitate to contact us for support.
For more security tips or help with your PDCU online banking account, visit our Online Banking FAQ or call us at 248-263-4100.
Stay safe and secure while enjoying the convenience of online banking!
For more information on how to keep yourself and your personal information safe, visit our webpage on fraud alerts.
