The new year often begins with shiny new technology, such as smartphones, tablets, laptops, smartwatches, and even voice assistants or smart TVs. But while you’re getting to know your new device, cybercriminals may be plotting how to exploit it.

Fraudsters know that January is prime time for targeting consumers who are setting up unfamiliar devices, installing new apps, or connecting to new accounts. That’s why now is the perfect time to make sure your technology and your personal information are protected.

At Consumers National Bank, your security is our priority. We’ve gathered practical tips to help you kick off 2026 with confidence and peace of mind.

Secure Your New Devices from the Start

Whether it’s a phone, tablet, or smart home hub, follow these steps before you fully start using any new device:

• Enable a strong screen lock: Use a passcode, fingerprint, or facial recognition. Avoid simple PINs like 1234 or your birth year.
• Update the operating system: Manufacturers often release critical security patches; don’t skip them. Install updates before entering personal or banking information.
• Delete unused pre-installed apps: Some may contain vulnerabilities or open unnecessary access points.
• Turn off features you don’t use: For example, if you don’t need Bluetooth or voice activation, disable them to reduce your exposure to hacking.

Beware of Fake App Stores and Sketchy Downloads

App stores are a common trap for fraud, especially if you're not paying attention to where you're downloading from.

• Only use official app stores: Stick to Google Play or the Apple App Store. Avoid downloading apps from links in emails, social media, or unfamiliar websites.
• Verify before you install: Fraudsters often create fake versions of popular apps (even banking apps) to trick users into entering sensitive data. Look for the developer name, app reviews, and number of downloads.
• Watch for permission creep: If an app wants access to your contacts, microphone, or camera for no clear reason, it may be malicious.

Tip: If you download the Consumers National Bank mobile app, be sure to get it directly from the official app store, search for it by name, and verify the developer.

Don’t Fall for Fraudulent Setup Prompts

Scammers love to trick users during device setup. Here are a few common ploys:

• Fake tech support pop-ups: You may see a message saying your device is compromised and prompting you to call a number, don’t. Legitimate setup screens don’t include support phone numbers.
• QR code scams: Avoid scanning QR codes that promise to “speed up setup” unless they’re from the manufacturer’s packaging or documentation.
• Phishing emails or texts: Watch for fake messages claiming to be from Apple, Samsung, or other companies asking you to click a link to finish setup or activate a warranty.

When in doubt, visit the brand’s official website or support page directly, don’t click the link!

Smart Homes Can Mean Smarter Criminals, If You’re Not Careful

Smart devices like speakers, doorbells, thermostats, or light bulbs can open the door to privacy risks if not secured.

• Use unique passwords for each smart device login, especially your Wi-Fi router.
• Change default device names: Rename devices from their default (e.g., “Ring Camera”) to something more generic, so they’re harder to identify on public networks.
• Turn off remote access when not needed, and always enable two-factor authentication when available.

Set Up Alerts and Monitor Financial Accounts

If you connect any device to your financial information, like using mobile banking or smart home bill pay assistants, take extra precautions:

• Enable transaction alerts: Set up text or email notifications through your Consumers National Bank account to monitor activity in real-time.
• Use multifactor authentication (MFA): Always opt for added verification steps when signing into banking apps or making payments.
• Be alert to unauthorized payees: January is a high-risk time for scammers trying to sneak fake payees into online bill pay systems. Review your payee list and report anything suspicious.

Tools & Support from Consumers National Bank

We’re here to help you protect your financial well-being:

• Our mobile app supports biometric login and real-time alerts.
• Online banking features customizable notifications for transaction activity.
• Our team is available to help you spot and report fraud. Just contact us or visit your nearest Consumers National Bank branch.

Final Thoughts: Start Smart, Stay Safe

As you enjoy your new gadgets in the new year, make cybersecurity a part of your setup process. A few simple steps today can save you from major headaches tomorrow.

Fraudsters are hoping you’ll be distracted or unfamiliar with your new devices; don’t give them the opportunity. Stay one step ahead by securing your tech, staying alert to scams, and leveraging the tools provided by Consumers National Bank.

Need help or have questions? Contact us today or visit your local branch for more fraud prevention resources and assistance.