While online shopping is certainly convenient, you do run the risk of having your online banking information breached by the wrong person. It seems that every month there’s a new breaking story about a major data breach, after all. Fortunately, banks, financial institutions, and retailers are well aware of these threats and are constantly developing new ways to keep their customers safe. The following are just a few safety measures you can enact your own.

Protect Yourself With These 3 Online Banking Tips

1. Be Careful on Public Computers

If you must use a public computer, be sure to play it safe. Forgetting to log out of your account will leave your financial info vulnerable, and if the wrong person comes across this info, it could spell trouble. Any time you use a public computer, be sure you log out of everything—from social media accounts to online retailer websites—before leaving. Also, be wary of public Wi-Fi that can be accessed without a password, as these networks are less secure.

2. Don’t Fall for Smishing

Smishing occurs when a hacker sends you a text message requesting sensitive banking information, such as account and routing numbers. Hackers often misrepresent themselves as your bank or other entity in an attempt to access this sensitive info. Before complying, contact your bank to verify the message is legit. Keep in mind that it’s unlikely that your bank will reach out via an unsolicited text without sending additional correspondence.

3. Lock Down Your Password

When creating a password for any account connected with your online banking, make sure it’s tough for hackers to figure out. It should have at least three characters and be accompanied by a number and symbol. It’s also a good idea to change your password every three months or so to ensure it remains secure. Never write down your password, either, as this defeats its purpose.

In this increasingly digital world, Putnam 1st Mercantile Bank strives to offer customers both security and convenience. As a trusted financial institution in Cookeville, TN, they offer online banking service to ensure you retain the most control over your finances, which entails being able to access them as you see fit. If you’re concerned about the future, they also offer financial planning assistance so you can make the most of your money as you strive for your goals. To open an account today, call (931) 528-6372. You can also learn about their personal banking service by visiting the website.