Crosstown Civic Credit Union News

Online Banking Security Tips

cyber-security-cybersecurity-device-60504 Here are some tips to help you keep your information safe when you use online banking on your web browser.

Online banking is a quick and easy tool to manage your finances but it can pose risk if you don't use it safely. Here are some tips for keeping your information safe when you use online banking on your web browser:

  • To ensure a safe and secure banking session, ensure your operating system, web browser, and applications have the most current update. It's important to keep your web browser up-to-date as it will host the latest security features to protect you when you're online.
  • Only visit reputable sites. For example, if you visit a website that displays advertising pop-ups we recommend closing your browser and restarting it before proceeding to use online banking.
  • Install and use a quality anti-virus program and ensure it is upgraded regularly.
  • Do not use automatic password-save features in the browsers to access online banking.
  • Whenever possible, avoid using public computers that have been set up for shared public purposes. For example, internet cafes, libraries, and even hotels when accessing online banking. Although using a supported browser will help with security, public computers can be accessed by hackers to store keystrokes and record personal information without your knowledge.
  • Use a cellular network (data) instead of public Wi-Fi to do online banking.
  • Never leave your PC unattended while using online banking.
  • Always exit online banking using the logout button and close your browser if you step away from your computer. Your internet browser software may retain information you entered in the login screen and elsewhere until you exit the browser.
  • Secure or erase files stored on your PC by clearing your cache in your internet browser regularly. Most Internet browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. The files remain until they are erased by clearing your cache.
  • Every time you use online banking you will need to enter your Login ID and Access Code (PAC), which ensures only you can log into your accounts. Your Login ID and PAC are your keys to safe and secure banking.

The best way to protect your information is to have a strong, hard-to-guess password. Here are some other best practices for online banking passwords:
  • Do not share your Access Code (PAC) with anyone.
  • Never automatically save your PAC to your internet browser.
  • Choose a PAC that is easy for you to remember but difficult for others to guess.
  • Do not keep your PAC in obvious places such as sticky notes around your monitor or under your keyboard.
  • Use a mix of numbers, symbols, upper and lowercase letters for your password.
  • Never disclose your PAC in a voicemail, email, or in conversation over the phone.
  • Ensure that you change your PAC on a regular basis. 
Alerts warn you when changes have been made to your online banking account. Here's how you can stay vigilant using account alerts:
  • Direct Alerts are a great way to automatically warn you of certain changes to your online banking account. As an additional layer of security, Direct Alerts allow you to receive notifications via text message or email which will prompt you to inform us of any suspicious activity so we can investigate and take immediate action.
  • Navigate to the "Messages and Alerts" area on the left-hand side menu of the main online banking page once you have logged in.
  • Click on the "Manage Alerts" subcategory within that area.
  • Choose any of the available alerts from the list that you would like to activate and follow the prompt to set up.
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