Think Before You Click:
Four Simple Ways to Stay Safer Online
In 2024, Americans reported more than 859,000 internet crime complaints, with losses exceeding $16 billion. Those numbers are a reminder that online scams are not just targeting big companies. They are showing up in everyday email inboxes, text messages, and social media feeds.
The good news? Many cybercrimes can be prevented with a few smart habits and a healthy dose of caution.
At Five Star, we know life is busy. Between work, family, online shopping, and managing your finances, it's easy to move quickly and click before thinking twice. That's why Cybersecurity Awareness Month is the perfect time to slow down, stay informed, and learn a few practical ways to protect yourself and your accounts.
Phishing Scams Are Getting Smarter
Have you ever received a text claiming your account has been locked? Or an email that looks like it's from a company you trust?
That's exactly how many scammers operate.
Phishing scams are designed to create a sense of urgency. They want you to panic, click a link, or share personal information before you have time to think it through.
Before you click, take a closer look:
- Check the sender's email address carefully.
- Watch for spelling mistakes or unusual wording.
- Be cautious of unexpected links or attachments.
- Never share passwords, account numbers, or security codes through email or text.
When something feels off, trust your instincts. A few extra seconds of caution can save a lot of stress later.
Protect Your Accounts with Stronger Security
Think of your passwords as the locks on your front door. The stronger the lock, the harder it is for someone to get in.
One of the easiest ways to improve your online security is by:
- Using unique passwords for different accounts.
- Creating longer passwords or passphrases that are difficult to guess.
- Enabling multi-factor authentication whenever possible.
- Keeping your devices and apps updated.
Multi-factor authentication adds an extra layer of protection by requiring a second step to verify your identity. Even if a scammer gets your password, this additional security measure can help keep your accounts safe.
Know the Warning Signs of Identity Theft
Identity theft can happen when criminals gain access to personal information and use it without your permission.
Some common warning signs include:
- Charges you don't recognize.
- Unexpected account alerts.
- Bills or statements that never arrive.
- New accounts opened in your name.
If you notice suspicious activity, act quickly. Contact your financial institution, review your accounts, and report any unauthorized transactions right away.
Five Star gets it. Discovering potential fraud can feel overwhelming, but we're here to help every step of the way.
Stay Safe While Holiday Shopping Online
As the holiday season approaches, online shopping becomes part of the routine for many families. Unfortunately, it's also one of the busiest times of year for scammers.
A few simple precautions can make a big difference:
- Shop only through trusted retailers and websites.
- Avoid deals that seem too good to be true.
- Use secure payment methods.
- Be cautious when shopping on public Wi-Fi networks.
- Review your account activity regularly during the holiday season.
A little preparation can help protect both your purchases and your personal information.
Small Habits Make a Big Difference
Cybersecurity doesn't have to be complicated. In fact, some of the most effective protections are simple habits you can practice every day.
Taking a moment to verify a message, strengthening a password, or monitoring your accounts regularly can help protect your hard-earned money and your personal information.
October is Cybersecurity Awareness Month, so let's work together to build safer online habits. By staying informed and thinking before you click, you can help protect yourself, your family, and your financial future.
At Five Star, helping members make confident financial decisions has been our mission since 1964. If you have questions about account security or need assistance, stop by one of our conveniently located financial centers or visit us online. We're here to help every step of the way.