10 Tips for Safe Online Banking

Mountain America strives to provide the best available security for your digital banking experience.

When banking online, it is important to protect yourself.

Here are some things you can do to reduce the chances of your personal and account information being compromised:
  1. Don’t respond to emails requesting personal information. Legitimate individuals and companies will not require you to provide or verify sensitive information via a non-secure means such as email. If you have any doubt at all, contact the individual or company and verify the information over the phone.
  2. Beware of copycat websites. Thieves can be experts at copying names, URLs and web pages of legitimate institutions. Contact the institution directly if you have questions about a site’s legitimacy.
  3. Keep your operating system and all software up to date. These updates not only give you more features, they also contain security updates and vulnerability patches.
  4. Encrypt your sensitive data. This ensures your data will remain unreadable if your computer or storage device is lost or stolen. There are many encryption software solutions for individuals and businesses.
  5. Use antivirus software. While it’s widely accepted that antivirus software won’t protect against every type of threat, it safeguards against the most common malware.
  6. Use a complex (and unique!) password for every account you own. Using the same, or slightly modified, password on multiple accounts significantly opens your data up to potential compromise in the event of a hack or data breach. Use a password manager to keep a record of your unique passwords. This way, all you have to remember is the password to your password manager.
  7. Regularly monitor activity on your online accounts. If your accounts have been compromised, check them regularly for fraudulent activity. If you notice anything suspicious, change your password and notify the companies involved immediately. Even if you have not been compromised, watching your accounts dutifully will increase the chance of catching anything fraudulent.
  8. Manage your privacy settings for mobile apps and online accounts. It’s the best way to ensure you aren’t giving companies or other merchants access to information you want to keep private.
  9. Avoid using free Wi-Fi networks if possible—especially in high-traffic areas such as airports, cafes and other similar locations. They are prime targets for hackers. If you must use an open Wi-Fi network, only visit secure sites that begin with https.
  10. Be aware of what you are sharing through social media and wearables such as fitness trackers and the Apple Watch. Log out of social media and other apps when you are not using them and don’t keep them open in your browser. Set your privacy settings so only your friends can see what you are posting.

Remember, Mountain America will never contact you to request that you:

  • Reset or verify your password.
  • Tell us your credit card number or PIN.
  • Provide us with personal information such as a Social Security number or birth date.

If you’re uncertain about an email claiming to be from us, or if you’ve been a victim of identity theft, please notify us immediately using one of the following methods:
  • Ask at your local Mountain America branch.
  • Call the phone number on your account statement, debit card or credit card—1-800-748-4302.
  • Email us at onlinefraud@macu.com.

For more information about protecting your identity on the Internet, click below.

Learn More About Security

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