There’s no shortage of things to keep us busy these days. From errands, school drop offs and pickups, staying hydrated, getting your steps in, and that little hobby called work, the list seems never-ending. It’s understandable that protecting your identity might be the last thing you want to add to your collection of spinning plates. But trust us; it’s worthwhile and easier than you think.
So how can you spare yourself from the needless headache of recovering your identity? You don’t need expensive software or loads of digital security measures, just a little time (we’re talking under 30 minutes) and proactive effort.
Upgrade your passwords: 10-15 minutes
Think of passwords like your first line of defense in keeping your identity safe. If you’re still using your pet’s name followed by a number, it’s definitely time for an upgrade.
Some qualities of super-secure passwords are:
- The longer, the better. A good password should have at least 12 characters.
- Be sure you include upper- and lower-case letters, as well as numbers and symbols. Complexity is the key here.
- It might seem counterintuitive but avoid personal information and keep it random.
- Resist the urge to reuse passwords.
Prioritize updating passwords on your personal email, banking and retail websites with payment information saved, and social media accounts.
Total time invested: about 10-15 minutes. Want to streamline the process even further? Use one of the many apps and websites designed to help you manage and organize your passwords.
Enable 2-factor authentication: 3-5 minutes
Adding an extra layer of security is like adding a deadbolt to your front door. Two-factor authentication (2FA) requires not just your password, but a second form of verification. This second form is usually a time-sensitive code sent to your phone or email.
Setting up a 2FA is a cinch. Just head to your account’s security settings, look for the two-factor authentication or multi-factor authentication option, and follow the prompts. Most platforms will let you choose how you receive your verification code: via text, email, or an authenticator app like Google Authenticator or Authy.
Once set up, each time you log into your account, there will be a prompt to enter the code sent to your phone or email before gaining access to your account. Take that, hackers.
Setting bank alerts: 5 minutes
Knowledge is power. Stay informed on your account activity by setting up transaction alerts through Golden 1’s Mobile App or Online Banking. With alerts activated, you’ll receive real-time notifications for unusual activity, helping you catch fraud early.
Read your statements
Yes, even snail mail can help you keep track of your accounts. Take a moment to open your statements and give them a once-over to be sure nothing looks off. It’s a simple, preventative measure that’s worth taking.
Shred your papers
Speaking of bank statements, don’t just toss those and other sensitive papers in the trash. Whether you choose to invest in a shredder or simply take a few seconds to cut up sensitive paperwork removes a lot of risk and keeps nefarious people out of your business.
Use resources: 5-10 minutes
What if you suspect your identity has already been compromised? You’ll want to know where to turn for help.
If you suspect you’ve received a suspicious email claiming to be from Golden 1, forward it to reportsmishing@golden1.com. If you clicked a link you think you shouldn’t have or shared sensitive info, reset your password immediately and call Golden 1 at 1-877-465-3361 for support.
Find more ways to take action, visit our member fraud and security center and leverage our resources designed to keep you in control.
In less time than it takes to sift through your morning emails you can take powerful steps to protect your identity and give yourself one less thing to think about. Remember, you’re not alone. At Golden 1 we’re here to help you make managing your money as effortless as possible.
