Banking Best Practices for Members of Clark County Credit Union
Your CCCU account is one of your most valuable tools for managing your finances, paying your bills and tracking your expenditures. Here are a few banking best practices to follow to keep your accounts safe and secure.
CCCU Best Practices for Members
- Avoid Using the Same Password Across Multiple Accounts Many individuals have multiple accounts with CCCU, such as checking and savings. If you have numerous accounts, check you don't use the same password for every account. You should also avoid using a slight variant for your accounts (for example, adding a number to the end of your password), as this is relatively easy for a thief to guess. Use a unique password for each account.
- Always Use a Secure Connection when Accessing Your Accounts When it's time to check your account, make sure you only access it using a secure connection. This means you don't want to use a public Wi-Fi connection or shared device to view your sensitive information. You should also confirm your own computer has up-to-date antivirus software.
- Monitor Your Transactions A lot of criminals assume the majority of people don't closely monitor their account transactions. At least every few days, go through your account transactions and check you recognize each one and the amounts are correct. If something looks off, contact your financial institution as soon as possible. When reviewing your transactions, you should also be on the lookout for fees. If possible, take steps to mitigate these fees, such as opting for a checking account with a low minimum balance requirement.
- Provide Your Financial Institution with Up-to-date Contact Information If your financial institution suspects fraudulent activity, they'll often try to contact you to confirm the validity of the transaction. See you promptly update your contact info if it changes so that your account representative can quickly get ahold of you if necessary.
- Regularly Change Your Account Passwords Ideally, you should change your account password approximately every 90 days. To optimize your account security, create a password that uses a mix of capitalized and lowercase characters, numbers and symbols.
- Consolidate Old Accounts Do you have old savings or checking accounts you don't use anymore? If you have dormant accounts, close them. This will be one less account that you need to monitor.
- Use Two-factor Authentication when Possible To add an extra layer of security to your account, sign up for two-factor authentication when it's available. With two-factor authentication, a code will be sent to your mobile device or email account when you try to sign into your account. You'll then need to input the code before access is granted to your account. While a thief may be able to guess your password, they're less likely to also have access to your phone or email account.
Become a CCCU Member
CCCU offers many benefits to members, including free financial resources like Banzai. Contact us at 702-228-2228 to learn how you can apply to become a member today.