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October 14, 2021
Cybersecurity Awareness Month: How to Avoid Online Scams
October is Cybersecurity Awareness Month, which makes it a great time to think about your digital security. This year’s motto, “Do your part. #BeCyberSmart,” encourages both individuals and organizations to do their part to protect themselves and take proactive steps to enhance their cybersecurity. According to a 2019 study, 43% of cyber-attacks targeted small businesses, and no organization is completely immune.1 You probably know that lots of your personal information is stored on your computer, smartphone or tablet, but did you know that human error accounts for 95% of all cybersecurity breaches?2 Let’s talk about ways you can stay safer online.
Use strong passwords
The most common initial attack route, compromised credentials, was responsible for a whopping 20% of data breaches in 2021.3 Using a strong, unique password is a key step to protecting yourself online. Don’t use the same password on multiple websites. Why? Imagine this: a website you use for something fun, such as playing word games online with friends, experiences a data breach wherein fraudsters gain access to your email and password combination. The first thing they’ll do next? The fraudster will try that combination everywhere in attempts to hack you, potentially including your email, your financial institutions, your credit card account — the list goes on. Limit the damage from potential data breaches by using strong, unique passwords for each different log in.
Protect your computer
Make sure to protect your technology and devices with updated security measures, including keeping the firewall on, using antivirus software and keeping your software updated. For more details, check out the FBI’s Internet Safety: Protect Your Computer resource.
Double up with MFA
Enable multi-factor authentication (MFA) wherever possible. MFA is a security process that requires more than one method of authentication from independent sources to verify a person’s identity. In other words, it adds a second layer of protection from fraud by requiring an extra step, like a text message confirmation code, before you can log in.
Think twice before you click
Phishing, one of the most common forms of online fraud, targets your personal information by pretending to be an organization or individual you know, like a bank, retailer or medical provider. Whether it’s an email or a text message from a number you don’t recognize, hesitate before clicking. Never open attachments in emails or text messages from strangers. Links in emails might contain spyware or malware, which can give hackers access to your personal information. Learn more about protecting yourself from common online scams.
Do you think you’ve been the victim of an online crime? File a report with the FBI’s Internet Crime Complaint Center (IC3) as soon as possible. Visit ic3.gov for more information, including tips and updates about current crime trends. For more information on how you can safeguard your information, visit StopRansomware.gov.
1Small Business Trends. 43% of Cyber Attacks Still Target Small Business While Ransomware Stays On Rise. Accessed October 1, 2021. https://smallbiztrends.com/2019/05/2019-small-business-cyber-attack-statistics.html
2The Hacker News. Why Human Error is #1 Cyber Security Threat to Businesses in 2021. Access October 2, 2021. https://thehackernews.com/2021/02/why-human-error-is-1-cyber-security.html
3IMB. Cost of a Data Breach Report 2021. Accessed October 1, 2021. https://www.ibm.com/security/data-breach
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
Nobody likes paying bills. We get it. That’s why at Grow, we make it as painless as possible to pay your loan every month. You can even choose how to do it.
Pay From Another Credit Union or Bank
You have two ways to pay by transferring funds online from another institution.
- Debit Card or ACH
We accept both Mastercard® and Visa® debit cards and ACH. With debit cards you’ll also pay a convenience fee of $4.95. To make a loan payment other than your mortgage or Grow Visa® credit card, click the button below.
- Grow Online Banking
You can make one-time payments or set up automatic recurring payments in your Grow Online Banking account. Simply select “Transfer/Payments” from the menu. And if you’re not enrolled in Grow Online Banking, you can set up your account in just a few minutes.
Pay by Mail
You can also pay your loan by check through the mail. Please remember to include your account number and Grow loan number on the check.
Send auto, credit card and personal loan payments to:
Grow Financial Federal Credit Union
P.O. Box 10006
Irmo, SC 29063-5006
Send home loan and home equity payments to:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733