Category: Cyber Security

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How to Protect Your Social Media Accounts

Social media is growing and expanding each day, with nearly 3 billion people on Facebook and over 2 billion on YouTube. Platforms like these along with Instagram, Twitter, Snapchat and more require usernames and passwords, but there’s always the unfortunate chance that your account is compromised. We’re here to provide you with a few simple things you can do to protect your social media accounts. 

Two-Factor Authentication 

Adding an extra step to your login process is always a good way to protect your account from being hacked. Examples of two-factor authentication include having to enter a code sent to your phone, scanning your fingerprint or using face ID in order to confirm your identity. Most social media platforms offer this as an option in settings. 

Try Out a Password Manager 

Not only is it important to have a strong password, but you should also vary your passwords across your social media accounts. If you use the same password for every account and one gets hacked, then they’re all compromised. Be sure to include numbers, upper and lowercase letters and special characters to make each password unique. It’s also smart to update your passwords periodically. Keeping track of all of them may seem tricky, but an online password manager will take care of that for you. 

Double-Check Your Friends 

Now’s a good time to go through your Facebook friends and make sure you know them all. If you get a friend request but you don’t know the person who sent it, just decline it and stick to the people you’re familiar with. One common way hackers access your information easier is by making fake accounts and sending you a request so they can see more of your personal information. 

Don’t Overshare 

Even if all of your friends or followers are people you know, you still want to be careful what you’re sharing online. Don’t share personal information like your address, social security number, financial information or other things you wouldn’t want people knowing. Think of everything you share online as permanent for anyone to access, whether it’s shared in a private group or not.  

See What’s Provided in Your Profile 

To go along with the previous point, there are some things your friends can see without harm. For example, having your hometown in your private profile usually does no harm since the people you know most likely already know this information about you. The important part is to make sure those things are private and only accessible to your friends rather than on your public profile. 

With new and exciting technology comes the necessity to keep your information secure, private and protected. Following the above tips and guarding your social media accounts will help you avoid hackers who can compromise your personal information. Contact us for more cybersecurity information or to learn about the financial services we offer! 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Stay Safe Online While Holiday Shopping

‘Tis the season for spending time with family, making hot chocolate, building snowmen and, of course, buying presents! With the wonderful power of technology, we can surround the Christmas tree with gifts in just a few clicks. Keep reading to learn all about cyber safety while you shop this holiday season. 

Watch out for enticing ads. 

It’s common to come across pop-up ads or tempting deals while you’re browsing. While they’re sometimes legitimate, it’s smarter to go to the website itself rather than clicking on the advertisement to avoid scams or viruses. 

Beware of public Wi-Fi. 

There’s nothing wrong with checking out your favorite store’s catalog while out in public, but making purchases is where it gets risky. Never enter your personal information to make a purchase while connected to a public Wi-Fi network – instead, use a VPN or your personal hotspot. 

Keep your device updated. 

If you haven’t already enabled auto-update on your device, now’s a great time to do so. Keeping your device and applications up to date will help you avoid malware infections or other cyber issues. 

Look for the “https.” 

Check for the lock symbol or the “https” in the address bar to make sure the website is secure. Secure websites make it safe for you to enter your information without the fear of the site storing it without your approval. 

Check in on your account post-purchase. 

Keep tabs on your account activity to make sure the transaction went through and there weren’t any mistakes. You can also set up alerts that automatically email or text you once your credit card was used. 

Always do your research. 

It’s a risky game to make a purchase from a site you’ve never heard of. Research the company you’re thinking of buying from and make sure they have a form of contact for you to use if a payment problem occurs. The smartest choice is to always avoid making online purchases from an unfamiliar website. 

Online shopping is a great way to get what you need without facing the cold, but there are always risks that come with making purchases on the Internet. Be smart, do your research and have a happy holiday season full of love! 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Cybersecurity 101 for Seniors

Seniors are a big target for cybercriminals since they often leave their devices and networks unprotected. No matter what age you are, there’s a good chance you find yourself using some sort of technology on a daily basis. If you or your loved one is of older age, keep reading to make sure all of your cybersecurity bases are covered. 

Common Ways Seniors Use the Internet 

You may think the older generations are much more disconnected from the online world, but they use the Internet in a variety of ways all of the time: 

  • Managing finances online instead of at the bank 
  • Reading or watching the news 
  • Messaging or video chatting loved ones 
  • Shopping online 
  • Distracting themselves during free time or boredom 

Why Are Seniors a High-Risk Group? 

There are many reasons why seniors are an attractive target for cybercriminals. Here are a few: 

  • High likelihood to shop online 
  • Often not as tech-savvy 
  • Easily trust others online 
  • Less alert or less likely to notice a scam 

How Can Seniors Stay Safe? 

Implementing cybersecurity safety tips into everyday life can be quite simple and makes a world of a difference. Make sure you’re following all of the below: 

  • Secure websites only: Before visiting a website and especially before making any purchases or entering information, check for the “https” at the beginning of the link. The “s” tells you that the site is secure, and if it’s not, your information is not always being kept private. 
  • Read messages/emails carefully: If you receive an email that looks suspicious, is too good to be true, asking for personal information or contains misspellings, there’s a good chance it’s a scam. 
  • Create strong and secure passwords: The most obvious way to keep your accounts and information private is by locking them. Using a different password for each account helps you avoid being hacked on multiple ends. Password managers are great for keeping everything organized. 
  • Keep your software updated: Enable auto-update in the settings section of the applications you use to ensure your apps are up-to-date and protected. 
  • Watch what you share: Social media is a great way to stay connected to family and friends and give important life updates. Make sure your profile is private, you’re friends with people you know and you don’t overshare personal information like your address. 

Seniors are no longer disconnected from the world of Internet, so cybersecurity has never been more important than it is today. Reminding yourself frequently of just how dangerous the online world can be is always a good idea. Keep yourself, your friends and your family protected by following these effective tips to improve your safety online. 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Cybersecurity Tips for Small Businesses

Concerns about cyberattacks on small businesses continue to grow, and knowing how to protect your business is crucial. Because smaller businesses don’t have the same amount of security as a big businesses, they’re prime victims for cybercriminals. Keep reading to learn the best ways to keep your small business out of online danger. 

Always use strong and secure passwords 

This is the most obvious and well-known cybersecurity tip, but it’s one of the most important. If you want any sort of protection from hackers, your passwords must be strong, secure and updated regularly. You can take extra precautions by having a strong password created for you online rather than creating your own. 

Never use the same password for multiple accounts 

Going along with the first tip, password security is a must. Not only should your passwords be strong and updated, but they should differ on each account. Using the same password for multiple accounts is risky because if one account is compromised, they all are. There are online password managers you can utilize to help with keeping track of the multiple passwords you have on varying accounts. 

Keep your software updated 

Outdated and old versions of apps can be more vulnerable to hacker access. A great way to keep your software secure is to install all updates for software and applications as soon as they’re made available.  

Use VPNs (Virtual Private Networks) 

VPNs are made to encrypt all traffic that leaves and enters your device. Using a VPN is a smart step towards securing your business’s information. If a cybercriminal somehow hacks you and intercepts your information, it will all be encrypted data which is useless for them. 

Train your employees properly 

Being consistent with your employee is extremely important for your small business’s online safety. Make sure all employees know what precautions to take, how to use and handle business information and what the penalties are for failing to follow those rules. 

Try hacking your own system  

Hiring an IT specialist to analyze and audit your system to search for weaknesses is a great way to see what needs to be improved. Doing this will help you understand how to better protect your small business. 

Most small businesses are very under-protected when it comes to cyber safety and protecting their information. We hope you’ll follow these tips and take all the necessary precautions in order to keep your small business out of harm’s way. Contact us for all of your finance needs!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Online Safety Tips for Remote Workers

Whether you’ve been working from home for a while or just recently started, getting a refresher on staying safe online is always a good idea. Working remotely comes with being at risk for a cyber-attack, which can be dangerous for your private work data. Read these online security tips to ensure you’re doing what you can to keep cybercriminals away. 

Keep Your Work Covered 

It’s always nice to change up the scenery and visit a park or coffee shop to get some work done. Working in public does come with its concerns, so make sure you’re playing it safe. Don’t let those around you peek at your screen or see what work you’re doing. You never know what strangers are up to and it’s better to be safe than sorry. Cybercriminals can be anywhere! 

Always Use Strong Passwords 

Not only should your accounts be protected with a strong password, but your devices should be, too. Make sure your laptop, phone and other devices are locked with a secure password. Remember not to use the same password across multiple accounts – if one password is compromised, then all of your accounts could be taken over. A great tool for this is a password manager, which will create and remember strong and secure passwords for you. 

Set Up Two-Factor Authentication 

Along with having a strong password comes the importance of two-factor authentication. This will add an additional step to your login process to make sure your account is protected and not being hacked. Some common ways this works is through an email/text confirmation or fingerprint scan. Two-factor authentication ensures that, even if your password is compromised, you still have a backup plan in action. 

Beware of Public Wi-Fi 

Using public Wi-Fi is the prime way that cybercriminals are able to access your data. They’re using the same network as you, making it much easier for them to hack your device or accounts. If you’re doing work in a public place, use a personal hotspot or a VPN to encrypt your internet traffic, which would make it unreadable to others. 

We hope these tips were good reminders for those of you who work remotely. Cybersecurity is becoming more and more important as technology advances, so be sure to share this information with coworkers, family, friends and others you know who are working from home! 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Online Safety: Family Edition

Today, having both Internet access and safety seems nearly impossible. While technology can be enriching and educational, it has its downsides. How can you protect your family from the dangers of the Internet while also allowing them access? Keep reading for some of our online safety tips for families. 

Be Careful What Information You’re Sharing 

Many hackers and identity thieves feed off oversharing. Be careful which websites you’re entering personal information into – don’t trust just any website. Oversharing is also dangerous on social networks, so be sure to make your kids aware of the information that shouldn’t ever be shared, like driver’s licenses, usernames or passwords, addresses, social security numbers, etc. 

Be Careful Using Public Wi-Fi 

Connecting to a public Wi-Fi network can seem harmless and convenient, but that’s not always true. Using public Wi-Fi in places like restaurants and malls is an easy way for hackers and cybercriminals to hack your information. Remember to use a VPN when you connect to a public Wi-Fi network. 

Keep an Eye on Your Social Media Networks 

Random messages from unknown users have become more common as social media becomes more popular. Although it seems obvious to ignore spam messages, delete them and move on, kids might not know to do that. Teach your kids to never respond to an unknown person’s message online, and emphasize how dangerous it is to respond to strangers. The smartest move is to get your kids into the habit of coming to you when they receive a strange message so you can double check the user’s profile. 

Educate Your Children 

Most of the time, the reason kids fall into the trap of hackers is because they’re uneducated. Give your kids a mini lesson about what cybersecurity is, why it’s so important and how they can protect themselves. Remind them that if anything seems unusual, they should talk to you so you can make sure the situation is safe. 

Manage Your Passwords 

Most Internet users have the same couple of passwords for all their accounts, making the hacking process even easier. There are safe password management systems allowing you to use a different password for all of your accounts, while only having to remember one password for the system.  

Backup Your Data 

Cybercriminals that hack into your computer can lock you out of your own important files and information. Keep your files backed up regularly so in that situation, you know your files aren’t lost. 

Although there are many ways your cybersecurity can be compromised, there are multiple ways to protect yourself and your family. We hope you protect your information with these top tips! 

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Online Safety Tips for Retirees

Online safety is a much bigger problem than most people realize. It’s estimated that seniors lose a total of about $30 billion every year because of online scams. We want to prevent that from happening, and we bet you do, too. We’ve put together some of the easiest ways for seniors to be safe online.

Be careful when making online purchases. Hackers and scammers can make their websites look pretty realistic and trustworthy on the outside. Here are some ways to know when not to enter your personal information.

  • Look for reviews if buying a product.
  • Make sure the website is secure.
  • If possible, only shop on websites you or others have used in the past.

Keep tabs on all of your accounts. Be sure not to let your accounts, on social media or elsewhere, go left unvisited for too long. The following points will help you know how to keep your personal accounts protected.

  • Use strong and secure passwords, as well as different passwords for each account.
  • Give a trusted family member or friend access to your accounts in case of emergency.

Think about what you’re posting. Just because your account is private doesn’t mean everything you post in there is safe from the world’s eyes. There are still ways for hackers to access your account or for others to copy and share your posts.

  • Don’t post pictures or information you wouldn’t want the public to know about.
  • If you need to share important but private information, consider doing so in person or over a phone call if possible.

Don’t trust all emails and messages. Although many email providers have an automatic spam filter, some make it to your inbox. When it comes to social media, messages from strangers can be dangerous.

  • Ignore the “You’re a winner!” or “Free prize!” messages.
  • Verify with friends before sending any money in case their account was hacked.
  • Don’t trust direct messages unless you can verify who the person is and why they’d be reaching out to you.

Be careful what you choose to download. Hackers will often create free downloadable documents that are actually viruses. Here are some steps to make sure your device doesn’t get hacked.

  • Know and trust your source before downloading anything.
  • Have a protective security software installed on your device.
  • Verify with a professional that it’s a trusted source.

Technology is a wonderful thing, but it definitely comes with dangers. Be sure to follow these practical online safety tips and continue protecting your personal information!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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7 Personal Cybersecurity Tips

As time goes on and technology expands, people are becoming more and more prone to cybercriminal attacks. By following some basic tips, you could avoid a multitude of problems in the future!

1. Use Strong and Varying Passwords

This is probably the most obvious and common cybersecurity tip known to web users. Don’t underestimate the importance of your password strength! Change your password every once in a while to be safe (recommended at least once a year). Also, don’t use the same password for more than one account.

2. Be Careful With Your Personal Info

Personal information, like your address, birthday or phone number, should be posted carefully. The smartest option would just be to keep as much of that information off of your social media as possible. These personal details are used by cybercriminals to locate individuals. Better safe than sorry!

3. Recognize and Stay Away From Phishing 

Phishing is when someone poses as someone they aren’t to trick people into giving them information, clicking on a dangerous link, etc. This is the most common way ransomware attacks originate. Be suspicious about the emails and messages you receive and don’t open messages from people you don’t know.

4. Utilize Two-Factor Identification

Many social media sites have two-factor identification options and most users don’t take advantage of this helpful security option. Two-factor identification prompts you to not only enter your username and password, but also another personal identification code.

5. Update Your Software

Keeping your device’s software updated might not seem like a safety-related tip, but both businesses and consumers have suffered from hackers due to not updating. Try turning on the automatic updates offered on your device.

6. Say No to Public Wi-Fi

Using public Wi-Fi if it’s available seems like a no-brainer. What most people don’t realize is how much easier it is for cybercriminals to access your accounts and devices when you’re connected to a public Wi-Fi network. Consider using a Virtual Private Network (VPN) to protect your device while using public W-Fi.

7. Install Trusted Apps Only

Not all applications are safe, and not all of them can be trusted. Check reviews and ratings before installing anything you’re unfamiliar with!

Don’t let yourself fall into the statistics of those dealing with cybercriminals! Protect your devices, accounts and personal information by following these tips and always being cautious online.

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Cybersecurity Top Tips for Traveling

Whether traveling for fun or for work, you are hopefully busy enjoying the sites. However, it can be easy to get caught up in the adventure that you forget to stay on top of your personal cybersecurity protection. While you begin packing your bag, don’t forget this list of top tips!

Update all of your devices.

You’ve probably made sure your devices are charged, your toiletry bag is refilled and you have new reading material for your voyage. But before walking out the door for your trip, you need to update every device you have. These periodic updates that you see from the manufacturer do more than produce slight layout changes. They protect your device by patching holes and fixing bugs in the software. If not done, your wall of protection has weak points that can be taken advantage of. 

Watch out for wandering eyes.

In addition to keeping an eye out for anyone who may physically take your device or other items, watch out for lurkers. They may be looking over your shoulder or at your laptop from behind you. They’ll be looking out for any information that can tell them how to enter into your device. 

Always lock devices.

If you don’t have a passcode on your devices, you will want to get one. Don’t make it easier for criminals!

Remove auto-connect features.

Sometimes, it can be great to know that most public places nowadays have free Wi-Fi. Especially when traveling internationally, you may rely on this to send a simple text message to family back home. However, for your own security, it’s most important that you disable the auto-connect feature on your Wi-Fi. You want to set up your device so that it only connects to networks that you consciously choose. 

Turn off Bluetooth.

Similar to Wi-Fi auto-connect, Bluetooth should be turned off unless you are choosing to use it. The reason for this is that criminals will use this as an opportunity to connect themselves to your phone and crack into it remotely. If you’re like most people, you have a lot of PII (Personally Identifiable Information) on your phone. This can be used to take your identity. 

Statistics on Cybercrime 

  • You are 20 times more likely to be robbed on your computer than on the street.
  • 14.4 million people were victims of identity theft in 2018.
  • It is estimated that 33 billion records will be stolen in 2023.
  • The US government spent $15 billion towards cybersecurity in 2019.

With these tips in mind, we hope you have a safe and fun travel experience!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender

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Cybersecurity Safety Tips for Your Business

Don’t let living your dream of owning your own business end because of cybercrime. Stay on top of the latest defenses when it comes to cybercrime by implementing even one of these tips for your business. 

Never Assume You Are 100% Secure

Unfortunately, you can never be fully protected against a cyber threat. The minute you sit back and think that you are invulnerable is the best time for a cybercriminal to strike. There will always be a new potential threat. There may even be an employee mistake or a broken piece of data. It’s important to always be looking for ways to improve security. 

Amp Up Authentication

Every point of digital access to the internal working of your company should be blocked by outsiders with authentication. Authentication is a way of signing into a device with a code only authorized users have access to. Many companies are switching to Multi-Factor Authentication, which requires users to confirm their identity twice, often through the device and then a phone. This is simply an added layer of protection. 

Hire a Hacker

Not all hackers are ill-intentioned. Many work legally to help businesses discover the risks of penetrability. They will be able to evaluate areas that can use strengthening. 

Email Education

The weakest point of business cyber defense is often employees. Even if the worker is well-intentioned, they can still make defense mistakes. One common area of cybercrime is email. It’s an easy way for the perpetrator to access your company internally. This is why it’s important to not only have spam filters but ensure that all employees go through email education so they know what a suspicious email looks like. 

Be Aware of Personal Device Risks

Many businesses allow workers to bring in their personal devices and use them to conduct business. This can be dangerous, as there is likely not the same security software on their personal devices that you have for your business. This is another way for cybercriminals to get into your business’s information. One way to help with this and to still allow your employees the freedom of using their personal devices is to establish a “Bring Your Own Device” policy. 

Get on the Cloud

Keep your important business information on the Cloud, in order to avoid it getting taken from you forever. It’s currently the most used technology for small businesses. You can utilize it for managing finances, storing, sharing and accessing information from anywhere. 

These are just some of the basics of business cybersecurity. They are all fairly inexpensive and can likely save you from a headache of trouble if you were to get hacked. For more information on cybersecurity tips or business accounts, give us a call!

Peoples Bank & Trust Co.

Member FDIC

Equal Housing Lender