- Personal Loans
- Personal Loans
- Home & Auto
September 21, 2023
Staying Secure: Five Tips for Strong Passwords
Want to do almost anything in today’s digital age? You’ll probably need to create an account and password for it. Things like social media, cloud storage, streaming services, financial services, restaurant delivery, online shopping, gaming and much more usually require you to make an account. A strong password helps protect you against cyber threats. That’s why it’s important to create strong, unique passwords for each of your accounts, especially accounts that involve your money and personal information.
What makes a strong password?
1. Use longer passwords.
One of the most effective ways to bolster your password’s strength is by increasing its length. A longer password is harder for hackers to crack. Aim for at least 12 characters, combining upper and lower-case letters, numbers and symbols. Avoid easy-to-guess, common passwords like “password123” or “qwerty.”
2. Avoid personal information.
Never rely on easily accessible personal information in your password, such as your name or birthday. Hackers might be able to guess these details or find them online through social media profiles or public records.
3. Use unpredictable combinations.
Mixing various character types makes your password more complex. Try combining uppercase and lowercase letters, numbers and special symbols to strengthen passwords. For example, changing “Skippy123” to “Sk!ppy1@3” makes it significantly stronger.
4. Try a passphrase.
After all this, you might wonder, “Well, how will I ever remember my passwords?” Consider using passphrases instead of passwords — longer combinations of words that can be easier to remember yet harder to crack, like “IgroceryshoponTuesdays.” For extra security, combine a passphrase with tip number three’s complex combinations, such as “Igr0cerysh0p0nTuesdays!” That’s both memorable and very secure.
5. Choose a unique password each time.
Don’t put yourself at risk by recycling passwords. If one account gets compromised, hackers could gain access to other accounts that use the same login details.
Let’s say that your favorite crossword puzzle app has a data breach. You might not think much of that because it’s just a word game. But hackers can then try those stolen login details on email, social media and financial websites. If you’ve reused the password elsewhere, that simple game’s security breach can cause a lot more trouble than you thought. No matter how strong your password is, if it’s reused, you’re still at risk. Create unique, strong passwords for each service or use a trusted password manager to generate and store them securely.
How to choose a strong password for Grow Online and Mobile Banking
Strong passwords help protect your personal information, financial accounts and online identity. To help keep you safe, we require passwords for Grow Online and Mobile Banking* to:
- Be at least eight characters in length.
- Contain at least one lowercase letter.
- Contain at least one uppercase letter.
- Contain at least one number.
- Contain at least one symbol.
- Not contain your current username.
- Not be a password you have used in the past five passwords.
Want to add a security boost? Enable multifactor authentication (MFA). MFA adds an extra layer of protection by requiring a second verification step, such as a text message or authentication app code. Learn more about MFA.
By following these tips and understanding the importance of strong passwords, you can significantly reduce the risk of falling victim to cyber threats. So, take a few extra minutes to fortify your passwords today and stay more secure in the digital world.
*Additional data charges may apply. Please see your wireless carrier for more information.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733