October is Cybersecurity Awareness Month. I know “cybersecurity” sounds like a big topic, but there are a few simple things we can all do to better protect our information.
So much of what we do with our money happens online now. We check bank balances on our phones, pay bills through apps, and get texts when there is activity on a credit card. Scammers know that, too.
If an unexpected message says there is a problem with one of your accounts, take a minute to check with the company yourself.
You might get a text saying your bank noticed a suspicious charge and asking you to click a link. Another message might say there is a problem with a package delivery or that you need to update your payment information. Those are only a few examples. Scammers come up with new stories all the time, and their messages can look very real.
If you get a message like that, take a minute before doing anything. Go to your bank’s app yourself or call the number on the back of your card. Do not use the link or phone number in the message to find out if it is legitimate.
Be careful with your personal information
Never give out your Social Security number, bank account information, passwords, or verification codes in response to an unexpected call, text, or email. Even if someone says they are calling from your bank’s fraud department, you can hang up and call the bank yourself.
Check how you sign in to your accounts
Are you using the same password in several places? If so, start by changing the passwords for your email and financial accounts. Turn on the extra sign-in step if it is available, and keep your phone and apps updated.
These are small steps, but they can make a difference. The next time you receive a message asking you to click on a link or share information, take a moment to check it yourself. A little caution can help keep your personal and financial information safe.
Lisa Ohnemus
Director and Certified Credit Counselor
Consumer Credit of Des Moines