Use Strong, Unique Passwords
A strong password is one of your first lines of defense. Avoid using the same password across multiple accounts, and do not use information that is easy to guess, like birthdays, pet names, or simple number patterns. A password manager can help create and store unique passwords so you do not have to remember them all yourself.
Turn On Multi-Factor Authentication
Multi-factor authentication, sometimes called MFA, adds an extra step when you sign in. That may include a code, app notification, biometric login, or another verification method. It helps confirm that it is really you accessing the account. Never share a one-time passcode with anyone who calls, texts, or emails you—even if they claim to be from your financial institution.
Be Careful on Public Wi-Fi
Free Wi-Fi at coffee shops, airports, hotels, and public spaces can be convenient, especially for remote workers and travelers. But public networks may not be secure. Avoid logging into financial accounts or sending sensitive information over public Wi-Fi. If you need to bank on the go, consider using your mobile data connection or a secure private network.
Watch for Fake Login Pages
Scammers may create websites that look like a real banking or payment app login page. These fake pages are often shared through text messages, emails, search ads, or QR codes. Instead of clicking a link, open your browser and type the website address yourself, or use the official app. If a message says your account is locked or there is suspicious activity, pause and verify through a trusted channel.
Use Payment Apps Safely
Payment apps like Zelle and Venmo are convenient for splitting dinner, paying a friend back, or sending money to someone you know and trust. But because these payments can move quickly, they should be treated carefully. Before you send money, confirm the recipient’s name, phone number, email address, or username. If you are not sure who is asking—or why—do not send the payment.
Be especially cautious if someone asks you to use Zelle, Venmo, or another payment app to “fix” fraud, secure your account, claim a prize, pay fees, buy tickets, reserve a rental, or send money to someone you have not met. Scammers may also pretend to be a friend, family member, financial institution, seller, landlord, or customer support representative. If the request feels urgent or unusual, stop and contact the person or company using information you know is real.
Set Up Alerts and Review Activity
Account alerts can help you spot activity quickly. Consider turning on notifications for transactions, low balances, password changes, and card activity. Review your accounts regularly, and if something does not look right, contact your financial institution right away.
Know What Mid Oregon Credit Union Will Never Ask For
Mid Oregon Credit Union will never call, text, or email asking for your Digital Banking password, PIN, one-time passcode, Social Security number, or full debit or credit card number. We will also never ask you to send money through a payment app to protect your account or reverse fraud. If you receive a message like that, do not click, reply, or share information.
Pause, Verify, Then Respond
Fraud prevention does not have to be complicated. Use strong passwords, protect your login codes, avoid suspicious links, be careful on public Wi-Fi, and send payment app transfers only when you are confident about the recipient. When something feels rushed, unusual, or too good to be true, trust your instincts. Pause, verify, and reach out before you act.
For more tips on protecting your personal information, visit Mid Oregon’s Security and Fraud Page: https://ow.ly/hjHm50V9XE1 [ow.ly].
At Mid Oregon Credit Union, we are here to help you feel confident, informed, and supported. If something does not feel right, trust your instincts. Pause, verify, and reach out before you act.
