Stay Cyber-Savvy: How to Avoid Cybersecurity Scams

In our interconnected world, where technology plays an integral role in our daily lives, the risk of falling victim to cybersecurity scams has never been higher. Cybercriminals are constantly evolving their tactics, but you can protect yourself by staying informed and adopting safe online practices. Here are some essential ways that Minnequa Works Credit Union recommends avoiding cybersecurity scams:

1. Be Skeptical of Unsolicited Communications:

Whether it’s an email, a phone call, or a text message, if you didn’t initiate contact with a person or organization, exercise caution. Cybercriminals often use unsolicited communications to trick individuals into revealing sensitive information or downloading malware.

2. Verify the Source:

Before clicking on any links or downloading attachments, verify the sender’s identity. Hover your mouse over links to see the actual URL, and ensure it matches the official website’s domain. If in doubt, contact the organization directly using their official contact information.


3. Use Strong, Unique Passwords:

A strong password is your first line of defense. Use a combination of upper and lower case letters, numbers, and special characters. Avoid easily guessable information like birthdays or names. Consider using a trusted password manager to keep track of your credentials.

4. Enable Multi-Factor Authentication (MFA):

MFA adds an extra layer of security by requiring multiple forms of verification to access your accounts. It typically combines something you know (password) with something you have (a smartphone or hardware token). Enable MFA wherever possible.

5. Keep Software and Devices Updated:

Regularly update your operating system, software, and apps. Cybercriminals often exploit vulnerabilities in outdated programs. Set your devices to receive automatic updates whenever possible.

6. Be Cautious with Personal Information:

Never share sensitive information, such as your Social Security number or financial details, in response to unsolicited requests. Legitimate organizations will not ask for this information via email or phone.

7. Educate Yourself About Phishing:

Phishing emails and websites are designed to deceive you into revealing personal information. Learn to recognize common phishing signs, like misspelled URLs, generic greetings, and urgent requests for action.

8. Watch Out for Social Engineering:

Cybercriminals may impersonate people you know or trust, such as friends, family, or coworkers, to trick you into taking actions like wiring money or sharing sensitive data. Always verify requests made over email or social media.

9. Use Secure Wi-Fi Networks:

Avoid connecting to unsecured public Wi-Fi networks, as they may be used by cybercriminals to intercept your data. Use a virtual private network (VPN) for added protection when using public Wi-Fi.

10. Regularly Monitor Your Accounts:

Frequently review your account activity and credit card statements for any unauthorized transactions. The sooner you detect suspicious activity, the quicker you can take action to mitigate the damage. Using tools such as mobile banking and online banking with Minnequa Works helps you to actively review transactions 24/7

11. Report Suspected Scams:

If you encounter a potential scam, report it to the appropriate authorities. If the scam involves your account, be sure to contact Minnequa Works as soon as possible. Reporting scams can help prevent others from falling victim to the same schemes.

12. Stay Informed:

Cybersecurity threats are ever-evolving, so stay informed about the latest scams and security best practices. Follow Minnequa Works Credit Union for articles and resources to keep you up-to-date!

In today’s digital age, safeguarding your online presence is essential. By staying vigilant, adopting secure practices, and being skeptical of unsolicited communications, you can significantly reduce your risk of falling victim to cybersecurity scams and protect your personal and financial information. Remember, it’s always better to be cautious and verify than to become a victim of cybercrime.

At Minnequa Works Credit Union, your financial success and financial security is our top priority. Contact Us to Learn More



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