Top security tips to stay safe online - M4Money Credit Union

Cybercrime is a growing threat, but there are steps you can take to protect yourself. Here are some top tips to stay safe online:

1. Strong Passwords and Multi-Factor Authentication:

  • Use complex and unique passwords for every online account.
  • Don’t reuse passwords! Consider a password manager to help you keep track.
  • Enable two-factor authentication (2FA) whenever possible. This adds an extra layer of security by requiring a second verification step, like a code from your phone, to log in.

2. Software Updates:

Keep your software up-to-date, including your operating system, web browser, and applications. Updates often include security patches that fix vulnerabilities hackers might exploit.

3. Beware of Phishing:

  • Phishing scams try to trick you into revealing personal information. Be suspicious of emails or websites urging you to click on links or download attachments.
  • Don’t click on links or attachments from unknown senders

4. Secure Wi-Fi:

Avoid using public Wi-Fi networks for sensitive activities like online banking or shopping. If you must use public Wi-Fi, consider using a virtual private network (VPN) to encrypt your traffic.

5. Social Media Privacy:

  • Be mindful of what you share on social media. Cybercriminals can use this information to target you with scams or steal your identity.
  • Review your privacy settings and limit publicly visible information.

6. Monitor Your Accounts:

Regularly check your bank and credit card statements for suspicious activity. If you see something unrecognizable, report it to your financial institution immediately.

7. Shred Sensitive Documents:

Shred any documents containing sensitive information before throwing them away. This includes documents with your Social Security number, bank account number, or credit card number.

8. Anti-Virus and Anti-Malware Software:

Use a reputable antivirus and anti-malware program and keep it updated. These programs can help shield you from viruses, malware, and other online threats.

9. Be Wary of Free Offers:

If something seems too good to be true, it probably is. Be cautious of free offers or deals that appear suspicious. These could be scams designed to steal your personal information or infect your device with malware.

10. Report Fraud:

If you suspect you’ve been a victim of fraud, report it to the authorities and your financial institution immediately. The sooner you report it, the sooner you can take steps to protect yourself. Report online at or by telephone on 0300 123 2040. Forward suspicious emails to and suspicious texts to 7726.

By following these tips, you can significantly reduce your risk of cybercrime and fraud. Remember, staying vigilant and informed is key to online safety.

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