How do I enable two-factor authentication?

Log into your bank's website or app. Go to Security Settings (look in Account, Profile, or Settings). Enable "Two-Step Verification," "Login Alerts," or "Two-Factor Authentication." Your bank will text you a code each time you log in from a new device — this stops attackers even if they have your password.

How do I use the official bank app?

Download your bank's app directly from the App Store or Google Play Store — search your bank's full name. Using the app is safer than typing your bank's web address in a browser, where a typo could land you on a fake look-alike site. Make sure the app developer name matches your actual bank.

How do I never trust unexpected bank messages?

Legitimate banks will never call you unsolicited asking for your account password, full Social Security number, or one-time verification code. If you receive a call, email, or text claiming to be from your bank asking for sensitive information — hang up or ignore it. Call the number on the back of your debit card to verify any real issues.

How do I review your account weekly?

Set a habit to open your bank app at least once a week and scroll through recent transactions. Look for any charges you do not recognize, even small ones. Fraudsters often test stolen card numbers with small $1–$2 charges before making larger ones. Report anything suspicious immediately using the phone number on your card.

How do I set up account alerts?

Most banks let you set up automatic notifications for account activity. Go to your bank app → Settings → Alerts or Notifications. Turn on alerts for: any transaction over a chosen amount (like $50), any international transaction, and any new payee added. These text or email alerts notify you in real time if unusual activity occurs.

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Online and mobile banking has made managing money much more convenient — check your balance, pay bills, transfer money, and deposit checks from your phone. But it also means your bank account is one stolen password away from serious financial loss if you are not careful.

The good news: a handful of simple habits dramatically reduce your risk. Banks themselves have strong fraud protections, but they work best when you also take basic precautions.

The most important things:

1. Use two-factor authentication (2FA) on your bank account — almost every bank now offers this 2. Never click links in emails or text messages claiming to be from your bank 3. Use the official bank app (not a browser bookmark) to access your account 4. Check your account at least once a week for unauthorized transactions 5. Use a strong, unique password for your bank that you do not use anywhere else

Banks typically reimburse fraud losses if you report them quickly — most require you to report within 60 days of the fraudulent transaction appearing on your statement. The sooner you spot and report it, the better.

How to Keep Your Bank Account Safe Online

Enable two-factor authentication

Use the official bank app

Never trust unexpected bank messages

Review your account weekly

Set up account alerts

The most important things:

Still have questions?

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