Reduce your fraud risk by 90% Page Article Online Accounts Create strong passwords: Use unique, complex passwords and update them regularly. Secure your accounts: Enable two-factor authentication (2FA) or multi-factor authentication (MFA) whenever available. Monitor your finances: Regularly review bank statements and credit reports for suspicious activity. Use secure networks: Avoid banking or entering sensitive information on public Wi-Fi. If necessary, use a VPN (Virtual Private Network) for security. Your Identity Freeze your credit: If you’re not actively applying for credit, freeze your credit reports. Secure personal information: Store sensitive documents in locked locations or encrypted external storage. Limit sharing: Avoid oversharing personal details on social media—scammers use them for fraud. Communications Verify before you trust: If someone contacts you unexpectedly, call them back using official numbers. Stay skeptical of unsolicited messages: Approach unexpected calls, texts, or emails with caution—especially those asking for money or information. Reduce cyber threats: Restart your mobile phone every few days to help remove potential malware. Keep it private: Never share personal or financial details over the phone, via text, or in unencrypted emails. Avoid malicious links: Never click links or download attachments from unknown or unexpected senders. Be aware of deepfake scams: Scammers use AI to impersonate voices and videos of loved ones or executives. Always verify through another channel before acting. Ignore fake delivery notifications: Scammers send fake FedEx, UPS, or USPS texts/emails claiming you missed a package—do not click the links. Check directly on the official website. Your Money Trust, but verify: Never send money to someone you haven’t met in person. Slow down: Scammers create urgency to rush you into bad decisions—pause, verify, and consult someone you trust. Use caution with mobile payments & deposits: Only send money or deposit checks from verified sources—never from unknown individuals. Verify before you pay: Before engaging with a business, verify their credentials, licensing, and legitimacy. Protect your cards: Use tap-to-pay instead of swiping your card when possible to reduce the risk of skimming. Set up transaction alerts: Enable notifications for all financial transactions to detect fraudulent activity quickly. Be cautious with “too good to be true” job offers & investments: If a job or investment guarantees huge returns with little effort, it’s likely a scam.