Protecting yourself online has never been more important. Cybersecurity threats affect millions of people each year, but understanding the basics can help keep you safe. Here's everything you need to know about cybersecurity and how to protect your personal information online.
What is cybersecurity?
Cybersecurity is the practice of protecting your digital devices, networks, data, and online accounts from cyber attacks. These attacks come from hackers, scammers, and cybercriminals who want to steal your personal information, money, or identity.
Why does cybersecurity matter?
Cyber attacks happen every 39 seconds, affecting one in three Americans each year. When cybercriminals succeed, they can:
- Steal your personal information.
- Access your bank accounts.
- Use your identity to open credit cards.
- Hold your files for ransom.
- Monitor your online activity.
The 7 types of cybersecurity protection
1. Network security
Network security protects your internet connection from unauthorized access. This includes your home Wi-Fi, workplace networks, and public hotspots.
How to stay protected:
- Use strong passwords for your Wi-Fi.
- Avoid public Wi-Fi for banking or shopping.
- Keep your router firmware updated.
2. Application security
Application security keeps the apps and software you use safe from threats. This includes everything from your banking app to social media platforms.
How to stay protected:
- Download apps only from official stores.
- Keep all apps and software updated.
- Review app permissions before installing.
3. Information security
Information security protects your personal data, including emails, photos, documents, and financial records.
How to stay protected:
- Use strong, unique passwords for each account.
- Enable two-factor authentication.
- Be careful what you share on social media.
4. Operational security
Operational security focuses on the processes and decisions you make about handling and protecting your information.
How to stay protected:
- Think before you click on links.
- Verify requests for personal information.
- Use secure methods for sharing sensitive data.
5. Cloud security
Cloud security protects data you store online, such as photos in Google Photos or documents in Dropbox.
How to stay protected:
- Use reputable cloud services.
- Enable two-factor authentication on cloud accounts.
- Regularly review what data you store online.
6. Mobile security
Mobile security protects your smartphone and tablet from threats like malicious apps, data theft, and unauthorized access.
How to stay protected:
- Install security updates promptly.
- Use screen locks and biometric authentication.
- Be cautious when connecting to public Wi-Fi.
7. Identity management and data security
This type of security controls who can access your accounts and personal information online.
How to stay protected:
- Monitor your credit reports regularly.
- Use identity monitoring services.
- Report suspicious activity immediately.
Common cybersecurity threats
Phishing attacks
Fake emails, texts, or websites designed to steal your login information or personal data.
Malware
Malicious software that can damage your device or steal your information.
Ransomware
Software that locks your files and demands payment to unlock them.
Identity theft
When criminals use your personal information to open accounts or make purchases.
Social engineering
Tactics that trick you into giving away personal information or access to your accounts.
Essential cybersecurity best practices
Create strong passwords
- Use at least 12 characters.
- Include uppercase and lowercase letters, numbers, and symbols.
- Avoid personal information like birthdays or pet names.
- Use a different password for each account.
Enable two-factor authentication
Add an extra layer of security by requiring a second form of verification, such as a text message code or authentication app.
Keep software updated
Install security updates for your operating system, apps, and antivirus software as soon as they become available.
Back up your data
Regularly save copies of important files to an external drive or cloud service.
Be cautious online
- Think before clicking links in emails or messages.
- Verify the sender before sharing personal information.
- Use secure websites (look for "https" and a lock icon).
How to Respond to a Cyber Attack
If you think you've been targeted:
- Change your passwords immediately.
- Contact your bank and credit card companies.
- Monitor your accounts for suspicious activity.
- Report the incident to authorities.
- Consider placing a fraud alert on your credit report.
Protecting your financial information
Your banking and financial accounts deserve extra protection:
- Never share account numbers or passwords.
- Use your bank's official app or website.
- Set up account alerts for transactions.
- Review statements regularly.
- Report suspicious activity immediately by calling our Member Services team at (800) 552-4745.
Cybersecurity tools and resources
Antivirus software
Protects against malware and other threats. Popular options include:
- Norton
- McAfee
- Bitdefender
Password managers
Help create and store strong, unique passwords. Consider:
- LastPass
- 1Password
- Bitwarden
VPN services
Protect your internet connection, especially on public Wi-Fi. Options include:
- NordVPN
- ExpressVPN
- CyberGhost
Identity Monitoring
Services like LifeLock or IdentityGuard watch for signs of identity theft.
Staying safe on social media
Social media platforms are common targets for cybercriminals. Here's what you can do to stay safe:
- Review privacy settings regularly.
- Be selective about friend requests.
- Don't share personal information publicly.
- Be cautious about clicking links or downloading files.
Teaching cybersecurity to your family
Help protect your entire household:
- Discuss online safety with children.
- Set parental controls on devices.
- Create family rules for internet use.
- Lead by example with good cybersecurity habits.
Take action today
Cybersecurity might seem overwhelming, but taking these basic steps can significantly improve your online safety:
- Audit your passwords and update weak ones.
- Enable two-factor authentication on important accounts.
- Update your software and install security patches.
- Review your privacy settings on social media.
- Back up your important files.
Remember, cybersecurity is an ongoing process, not a one-time task. Stay vigilant, keep learning, and don't hesitate to seek help if you're unsure about something online.
The future of cybersecurity
Cyber threats continue to evolve, but so do protection methods. Stay informed about new threats and security tools. Consider taking a cybersecurity awareness course or following reputable cybersecurity news sources.
Your digital safety is worth the effort. By understanding these cybersecurity basics and putting them into practice, you can protect yourself, your family, and your financial future from cyber threats.
For additional information about cybersecurity, visit our Account Security & Protection page.
The information provided is accurate as of the publication date and is for educational purposes only and doesn’t constitute financial, tax, legal, or accounting advice. It is to be considered as general information, not recommendations. Please consult with an attorney, financial, or tax professional for guidance.
Any third-party brands, products, or services mentioned on this page are provided as examples for educational purposes only. Everwise Credit Union does not endorse or recommend any specific third-party provider and is not responsible for their content, products, or services.
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