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Mobile Banking Safety Tips

Today, technology is continuously evolving and it is important that you keep up at a steady pace.  Constant innovation, though convenient, may leave opportunities for personal information to end up in the wrong hands.

At OE Federal we care about our members’ safety and want to give you the tools and tips necessary to limit the risk as much as possible. By utilizing safe Mobile Banking practices with OE Federal, you are creating a barrier to protect yourself from the opportunities left open due to technological advancements.

Helpful Mobile Safety Tips

By utilizing the below safety tips on all your devices, you are preventing the wrong hands from getting to your personal information, your identity, and your funds. Enjoy new technology while being protected. 

Password Protect Your Mobile Device

By creating a password for your mobile device and/or banking application, you’re setting up your first line of defense to prevent information from being stolen. If anyone steals your device physically, or tries to hack into it digitally, that simple number combination or finger pattern can be the difference to them seeing nothing or everything.

Never Click the "Remember Me" box

If you have all your log-in information saved for your apps, as soon as someone gets a hold of your device they now have access to all of the data on all of your accounts. They don’t even need to crack the passwords; imagine all of your data is in a house and you left the door open.

Check Account Frequently

Monitoring your account frequently will prevent any unknown transactions from slipping through the cracks. It is important to also constantly monitor your privacy settings. If you update your software, your privacy settings may have changed to the manufacturer setting. If you review them regularly and check them often you will ensure that your privacy settings are how you want them.

Enable SHortest Auto-Lock Time

If your phone is locked it adds an extra line of security for someone trying to access your information, digitally or physically. If you send a text and have your lock time set for an hour, all of your data is vulnerable if lifted during that time.

Do Not Modify the Device

Today, many people like to “Root” or “jailbreak” their phones. What you may not realize is that this tampers with the phone’s security system allowing for others to hack into your device.

Do Not Use Publilc WiFi to Acces Your Accounts

Though you think you’re just checking your bank account to see if you can afford your morning java, you never know what talented hacker is using the same public WiFi waiting for you to do so.

What to do if Your Device is Lost or Stolen

Contact your carrier immediately.  Then on your home PC, login to your Online Banking Account with OE Federal, under the Mobile Banking page, you can ‘Disallow Mobile Access,” which will turn off the Mobile App service on your account. It would also be a good idea to download an app that allows you to delete all your data on your phone from a remote location as a fail-safe.

Links and Attachments

You never know what someone might download on your phone. It could be something as harmless as a simple image, or it could be a virus meant to delete all of your phone’s data, or worse, steal it.

Download Applications from Trusted Sources

Make sure everything you are downloading to any of your devices is from a trusted source. If you are downloading an app from an unknown source, that app may contain a virus. Make sure to use mainstream App stores like iTunes App Store and Google Play as much as possible.

Text Messages

From time to time, you may receive a text message such as an Alert or if you use OE Federal’s Text Banking feature, you will receive responses to your inquiries. As an extra security measure, make sure to frequently delete these messages.  Not only does this make your mobile device operate faster, it removes any possible personal data used in the past. Remember, OE Federal will never ask for sensitive information through a text message, so if they are asking, IT’S NOT US!

Never Store Usernames and/or Passwords

With all the things we have to remember day in and day out, at first this may seem like a good idea. However, if you lose your device, the person who finds it may have access to your passwords allowing them access to everything and anything. Treat your phone like your wallet; never keep passwords or social security numbers in your device.

Install AntiVirus Software

You may not have known that mobile devices have AntiVirus software.  Like a computer, this software can help detect any viruses or other mobile applications that may have a virus. You can find these applications on your devices mobile app store. As always, we recommend you research the app and app creator before downloading any application.

Keep Your Mobile Device Close

Your mobile device has a lot of information. Make sure to keep your device close and when not in use, secure it in a safe place.

 

 

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