October is Cybersecurity Awareness Month, and there's no better time to take a closer look at how you're protecting your personal and financial information.

From online banking and mobile payments to shopping and everyday email, we rely on digital tools more than ever. Unfortunately, cybercriminals are getting smarter, too. Today's scams can involve convincing text messages, realistic-looking websites, and even artificial intelligence (AI) that makes fraudulent communications harder to recognize.

The good news? You don't have to be a technology expert to protect yourself. A few smart habits can make a big difference in keeping your money and information secure.

1. Make Your Passwords Stronger (and Smarter)
Your password is often the first line of defense against someone accessing your accounts. Using the same password across multiple websites, even if it's complicated, can put your information at risk.

Here's how to strengthen your protection:

• Think long, not just complicated. Use passwords with at least 15 characters whenever possible. A combination of unrelated words can be both strong and easier to remember.
• Make every password unique, especially for online banking, email, and other financial accounts.
• Consider a password manager. These tools generate and securely store unique passwords so you don't have to remember them all.
• Explore passkeys. More websites and apps now offer passkeys, which allow you to sign in using your device's built-in security, such as a fingerprint or facial recognition. They're designed to be more resistant to phishing than traditional passwords.

2. Add Another Layer of Security
Even the strongest password can be compromised. That's why multifactor authentication (MFA) is so important.

MFA requires a second form of verification, such as a code from an authentication app or a biometric scan, before someone can access your account.

Enable MFA wherever it's available, particularly for banking, email, credit cards, and payment apps. When possible, choose an authentication app or passkey over text-message verification for stronger protection.

And remember: Never share a verification code with someone who contacts you unexpectedly, even if they claim to represent your bank.

3. Watch for AI-Powered Scams
Cybercriminals are using AI to make phishing emails, fraudulent text messages, and impersonation scams more convincing than ever. Some scams even use AI-generated voices to sound like someone you know.

Be especially cautious of messages claiming:

• There's suspicious activity on your bank account.
• You must immediately transfer money to protect it.
• Your account will be locked unless you click a link.
• A family member needs emergency financial assistance.

The biggest red flag? Pressure to act immediately.

If something seems suspicious, don't click the link or respond. Instead, contact your financial institution directly using its official website, mobile app, or a trusted phone number.

4. Build Safer Banking Habits
Protecting your finances goes beyond passwords. Small, consistent actions can help you catch potential problems before they become bigger ones.

Make these habits part of your routine:

• Turn on account alerts. Get notifications for transactions, withdrawals, and account activity.
• Review your accounts regularly. Look for unfamiliar charges, even small ones.
• Keep devices updated. Software updates often include important security fixes.
• Use trusted connections. Avoid accessing sensitive financial accounts on public Wi-Fi when possible.
• Be careful with payment requests. Double-check recipients before sending money through payment apps or wire transfers.

5. Know What to Do if Something Goes Wrong
Even careful consumers can be targeted by fraud. If you suspect your banking information or identity has been compromised, acting quickly is essential.

Contact your bank immediately, change affected passwords, review recent transactions, and report any suspicious activity. You can also report fraud to the Federal Trade Commission at IdentityTheft.gov or ReportFraud.ftc.gov, depending on the situation.

Your Financial Security Starts with You
Cybersecurity Awareness Month is a great reminder that protecting your financial information isn't a one-time task. It's an ongoing commitment.

By strengthening your passwords, recognizing new scams, and practicing safer digital habits, you can enjoy the convenience of modern banking with greater confidence.

This October, take a few minutes to review your digital security. Your future self—and your finances—will thank you.