October is National Cybersecurity Awareness Month
October is National Cybersecurity Awareness Month, and we're offering tips, webinars and services to help make the internet safer and more secure.
With the elevated role that technology plays in our day-to-day lives, it’s no surprise that identity theft and data breaches are on the rise. In fact, it’s estimated that one in four Americans have been affected by cybercrime.
No matter who you are, someone is interested in your information. Identity theft is profitable, and it’s appealing to cybercriminals because there’s very little risk compared to a traditional robbery. Cybercriminals are especially interested in accessing your financial accounts, or to use your information to commit fraud—like opening credit cards in your name and leaving you with the bill and damaged credit. Being a victim of a cybercrime is devastating, and recovering can be a long and frustrating process.
That’s why it's so important to #BeCyberSmart—protecting yourself and your assets starts with cybersecurity awareness.
New Webinar Series: Cybersecurity Insights
Join us for a special webinar series. Each week, SESLOC Information Security Officer, Robert Yamasaki, will discuss a cybersecurity topic covering both new and tried-and-true tips and answer your questions. Join us on Wednesdays at 12:15 p.m. for these convenient 15-minute sessions.
October 7 – Password Hacks: Could Yours be at Risk?
October 14 – The Dangers of Public WiFi
October 21 – Online Fraud 101
October 28 – What to Know About Elder Fraud
Are you on the Dark Web?
When your personal information is lost or stolen it can end up as a cache of data on the Dark Web for sale. But here's the good news. There are security professionals out there, pretending to be bad guys, who are able to infiltrate the criminal networks. These good guys, pretending to be bad guys, can contribute a copy of this stolen data to a database that can be compared against consumers who have “Dark Web Monitoring.” If there is a match an alert can be sent to the registered consumer to give them an early warning that the information is possibly in the hands of criminals. Immediate action can be taken, such as activating additional monitoring and changing passwords, to help avoid future fraudulent transactions. It can’t erase the risk but it can provide a head start. Imagine the difference between finding out that your car has been stolen and being in the room when the criminals are first plotting the theft.
Register for Identity Theft Services + Dark Web Monitoring
With a HomeFREE Checking™ account, you receive free identity theft detection and resolution coverage for you, your spouse or partner, plus children up to 25 years of age and parents living at home. You are also entitled to receive proactive monitoring services**, which includes continuous credit monitoring, monthly credit score upon demand, an annual credit report and dark web monitoring. Call (805) 543-1816 or visit any branch to get your Unique Member ID and register at sesloc.org/identity-theft-services.
*Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortega family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.
**Applicable to individuals age 18 and older who have a valid credit file. Credit monitoring, report and score are provided by TransUnion, subject to change. This credit score may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine credit worthiness for any particular loan opportunity.
It may seem old-fashioned, but dumpster diving is still a common tactic for identity thieves because it's so effective. They're hoping to find paper documents with your sensitive personal information—like financial statements or bills. Receiving your statements and bills electronically through Online Banking can help you avoid paper related identity theft. If you do prefer paper, ensure your documents are stored safely, then destroyed securely when no longer needed.
Sign Up for eStatements
eStatements are securely encrypted, convenient and archived for 24 months for your reference. To make the switch, log into Online Banking and select Statements from the menu. Select your account, then click the Enrollment tab to make your selection.
Enroll in Bill Pay
Bill Pay is a secure and convenient service that enables you to receive, view and pay your bills from one centralized place. You can use Bill Pay to send money to anyone in the United States that you would normally pay by check, automatic debit or cash. Learn how to get started »
Easy Pay Online
Easy Pay Online is a fee-free loan payment option for your desktop or mobile device that doesn't require registering for or logging in to Online Banking. EasyPay can be used for all of your loans at SESLOC, including Business loans. Learn more »
Sign Remotely With DocuSign Forms
Most of our forms are now available for you to submit securely online with DocuSign. Learn more »
Embrace Contactless Payments with Apple Pay
Contactless payments are secure, quick, and convenient, especially if you’re trying to avoid touching shared screens and keypads. Your SESLOC HomeFREE Checking debit card is compatible with Apple Pay, which makes it easy to embrace contactless payments—all while earning rewards points for your purchases. Learn more »
Get Our Cybersecurity Toolkit For Your Business
While everyone can benefit from staying safe online, businesses need a solid strategy to protect their own business, their customers and their data from growing cybersecurity threats. This year, the rapid shift to working from home presented unique challenges. Learn about the state of cybersecurity for small businesses in 2020 and start your action plan today.
Top Tips to #BeCyberSmart
- Use strong, complex passwords and change them often. Experts recommend passwords that are at least 8 characters long and include numbers, special characters, and a mix of upper and lower cases. Avoid personal, public information and words that can be found in a dictionary—cybercriminals can crack these easily.
- Never leave tech devices unattended. Whether it's your phone or your desktop, set a password and always lock it when you step away.
- Sign up for eStatements in Online Banking. eStatements are convenient and safe. Plus, you don't have to worry about how to securely destroy your paper documents when you don't need them anymore.
- Beware of suspicious emails and phone calls. Avoid visiting unknown websites or downloading software from untrusted sources.
- Keep sensitive data off of your workstation, laptop or mobile devices and shred paper documents. (e.g., SSN's, credit card information, student records, health information, etc.)
- Be WiFi savvy. Password protect and encrypt your WiFi connection at home, and be careful about what information you access when using a public network.
- Check your privacy settings. Be sure to optimize the privacy settings on all of your mobile apps and accounts online.
- Keep your software up to date. All those update notifications might be annoying, but cybercriminals release new threats everyday and updates are essential to your security.
- Think twice before clicking. Cybercriminals use links, ads, websites, attachments and downloads to get your information. Check out the Phishing Test below for more information.
- Talk with your family. Make sure everyone in your family understands how to #StaySafeOnline—kids and seniors can be especially vulnerable to cybercrime.
Would You Get Hooked by a Phishing Email?
Most cyberattacks start with a phishing email. These messages are designed to trick you into providing your information, clicking a link or downloading an infected attachment. You may be familiar with some of the more obvious signs of a phishing email, like spelling mistakes and strange email addresses, but cybercriminals are getting more and more sophisticated. These days, phishing emails can look pretty convincing, even to the trained eye. Test your ability to spot the signs of a scam email with this interactive phishing quiz by Google. phishingquiz.withgoogle.com
SECURITY TIP: Help fight phishing scams!
Please use the links in SESLOC emails for informational purposes regarding member services and products. To access Online Banking, loan applications, or forms, always type in https://sesloc.org in your internet browser.
Beware of Common Phishing Scams:
So You Think You've Been Phished...Now What?
Concerned your information is in the wrong hands, or just want to be prepared? Learn how to take back control: