Fraudsters sometimes send emails pretending to be from a company you trust, usually asking you to click on a link or open an attachment. The emails may seem genuine and convincing but are designed to trick you into sharing your personal information, such as your username or pin. They will often make urgent threats and try to scare you into providing your details.

Fraudsters may send texts pretending to be from a company you trust. They target mobile users by sending texts with links to fraudulent websites to trick you into providing your online banking details

Be vigilant if you receive a phone call out of the blue from someone claiming to be from the Credit Union or another company you trust. They may claim that your account has been compromised and ask you for your account details.

Using a strong password makes it harder for fraudsters to gain access to your online accounts. A weak password can be cracked in less than five minutes.

Make it long, usually at least 10-12 characters.

Choose one that is easy for you to remember but difficult for someone to guess (avoid obvious words like ‘password’, birthdays, pet names etc.)