Start with a Password Refresh

If you’re like most people, you probably have dozens of online accounts, and many of them may use similar or outdated passwords. Unfortunately, reusing passwords makes it easier for criminals to access multiple accounts if a single login is compromised. That's why spring is a great time to reset and strengthen your passwords.

When updating your passwords, keep these tips in mind:

• Create unique passwords for each account. Avoid using the same password for banking, email, and shopping sites.
• Use long, complex passwords. A strong password typically includes a mix of letters, numbers, and special characters.
• Avoid personal information. Birthdays, pet names, or addresses are easier for scammers to guess.
• Consider using a password manager. These tools securely store your passwords and help generate strong ones.

Your online banking and email passwords should always be among your strongest and most unique since those accounts often contain sensitive information.

Turn on Multi-Factor Authentication (MFA)

One of the easiest ways to dramatically improve your account security is to enable multi-factor authentication, often called MFA or two-factor authentication.

MFA adds an extra layer of protection by requiring a second verification step, such as a one-time code sent to your phone or an authentication app, before logging in.

Even if a scammer somehow obtains your password, they typically cannot access your account without that second verification step.

Whenever available, enable MFA for:

• Online banking and financial accounts
• Email accounts
• Payment apps
• Cloud storage or document services
• Social media accounts

This simple step can significantly reduce your risk of unauthorized access to your account.

Review and Clean Up Old Accounts

Over time, many people accumulate accounts they rarely use, old shopping profiles, outdated financial apps, or subscription services that are no longer active.

Unused accounts can still store personal details such as:

• Credit card numbers
• Addresses
• Phone numbers
• Date of birth

If those platforms experience a data breach, your information could be exposed.

Take a few minutes to:

• Delete accounts you no longer use
• Remove saved payment methods from websites where you rarely shop
• Unsubscribe from unused financial apps or services
• Close outdated financial accounts you no longer need

Cleaning up these accounts reduces the amount of personal information floating around online.

Check Your Privacy and Security Settings

Many websites and apps update their privacy policies or settings over time. A quick review ensures your information is only being shared when necessary.

Consider reviewing:

• Social media privacy settings
• App permissions on your phone
• Email recovery options
• Notification settings for financial accounts

For banking and financial services, it’s also helpful to enable account alerts so you receive notifications for transactions, logins, or changes to your profile.

These alerts can help you spot suspicious activity quickly.

Monitor Your Accounts Regularly

Even with strong passwords and updated settings, staying aware of your financial activity is key to preventing fraud.

Make it a habit to:

• Review your bank and credit card statements regularly
• Check for unfamiliar charges or withdrawals
• Monitor account notifications
• Report suspicious activity right away

The faster fraud is detected, the easier it is to address.

Consumers National Bank Is Here to Help

At Consumers National Bank, protecting our customers from fraud is always a top priority. Tools like secure online banking, account alerts, and fraud monitoring help you stay informed and in control of your finances.

If you ever notice suspicious activity on your account or have questions about protecting your information, our team is here to help.

Stop by your local branch or contact us to learn more about the security features available to keep your accounts safe.

A Fresh Start for Your Digital Security

Spring cleaning isn’t just about organizing your home; it’s also an opportunity to refresh your online security habits.

By updating passwords, enabling multi-factor authentication, cleaning up old accounts, and reviewing privacy settings, you can significantly reduce your risk of fraud.

Take a little time this month to tidy up your digital life, your future self (and your finances) will thank you!