Everyday Cybersecurity Habits That Actually Work

Use Multi-Factor Identification

Multi-factor authentication (MFA) might sound technical, but it’s really just an extra layer of protection—like adding a deadbolt to your digital front door. It combines something you know (your password) with something you have (like your phone or an authentication app).

When you log in to your online banking or email, you’ll enter your password as usual. Then, you’ll confirm your identity with a one-time code sent to your phone or generated in an app. Even if someone manages to steal your password, they can’t get in without that second step.

It takes only a few extra seconds, but it can stop hackers in their tracks.

If you haven’t already, enable MFA on your most important accounts, especially your Red Rocks Credit Union online banking, email, and social media. For even stronger protection, use an authenticator app instead of text messages. Apps like Google Authenticator or Authy are harder for fraudsters to intercept.

Pro tip from RRCU: "Use a backup method for your multi-factor authentication, like saving recovery codes or setting up an authenticator app on a secondary device. That way, if you lose your phone or switch devices, you won’t get locked out of your accounts."

Create Stronger Passwords

If your password is still your dog’s name, your birthday, or “1234,” you’re definitely not alone. But the truth is, most passwords are easier to guess (or steal) than people realize. A few quick updates can make a huge difference in keeping your information secure.

Here’s what makes a password strong:

• Length matters most. Aim for at least 12 characters.
• Mix it up. Use a combination of upper and lowercase letters, numbers, and symbols.
• Make it unique. Never reuse the same password across multiple sites.

One of the easiest ways to upgrade your password game is to use a password manager. These tools create and store strong passwords for you, so you don’t have to remember them all. Many even auto-fill your credentials securely, making them both safer and more convenient.

For an extra layer of protection, try passphrases instead of single words. A random phrase like “CoffeeRainbow!Library42” is much harder to crack, and easier to remember, than something short and simple.

Keep Devices & Software Updated

We’ve all been guilty of hitting “remind me later” when that update notification pops up, but those updates are more than just bug fixes or new features. They’re one of the simplest and most effective ways to protect your information.

Every update patches potential security weaknesses that hackers could exploit. Skipping them can leave your phone, computer, or apps open to threats that are easy to avoid. Fortunately, you don’t have to do much. Just turn on updates and let your devices take care of the rest.

Here’s what to keep an eye on:

• Phones and tablets. Regular system updates strengthen security features and app protections.
• Computers. Whether you’re using Windows or macOS, updates often include essential security patches.
• Apps and browsers. These are gateways to your accounts. Keeping them current helps block phishing and malware attempts.

At Red Rocks Credit Union, we take the same approach, regularly updating our systems to help safeguard member information. When everyone stays proactive, our entire community becomes stronger and more secure.

Pro tip from RRCU: "Set your phone, computer, and apps to update automatically. It’s one of the easiest ways to stay protected without having to think about it.”

Stay Alert for Scams & Phishing Attempts

Phishing scams are getting sneakier every year, and they’re designed to catch you off guard. These scams often look like legitimate messages from your bank, a delivery company, or even someone you know, asking you to click a link or share personal information.

Here’s the truth: no legitimate company, including Red Rocks Credit Union, will ever ask for your account number, password, or one-time code by email or text.

When in doubt, pause before you click. Scammers rely on urgency—“Act now!” or “Your account is locked!”—to get you to react quickly. Take a breath, double-check the sender’s address, and if something feels off, contact the company directly using a trusted phone number or website.

Red flags to watch for:

• Misspelled email addresses or suspicious-looking links.
• Messages that create panic or demand immediate action.
• Requests for personal or financial information.
• Attachments you weren’t expecting.

Pro tip from RRCU: "If you’re not sure whether a financial message is real, don’t click. Call us instead. Our team can verify it right away and help you stay safe."

Small Habits, Big Protection

Cybersecurity doesn’t have to be complicated. Instead, it’s about small actions that help you feel confident and in control. Turning on multi-factor authentication, updating passwords, keeping your devices current, and pausing before you click all add up to real protection.

At Red Rocks Credit Union, we believe financial confidence means more than managing your money—it’s also about keeping it safe. Our systems are designed to protect your personal information, and our team is always here to help you stay one step ahead of scams and fraud.

Take a few minutes this week to check your settings, refresh your passwords, and update your devices. These everyday habits protect your accounts and peace of mind.

Still need help? We’re always one call, message, or visit away!