Many people use online banking services and mobile banking apps rather than visiting their bank branch, and this may be especially true during the COVID-19 pandemic. People using these services should be aware of the potential for being targeted by hackers, and they should be proactive. Todd Shaak, AgChoice Farm Credit IT specialist, suggests following a few simple steps to help keep one's personal information protected.

Individuals should only check their accounts over secure internet connections. Many people use public Wi-Fi connections on their laptops and mobile devices. While tempting, people should resist the urge to check their account over these connections. Entering sensitive information such as a username, password, and PIN via public Wi-Fi exposes people to a possible hack.

Individuals should install a password, a passcode, fingerprint ID, or facial recognition on their phone and laptop. If individuals do not have such a system to keep others off their phone, they may have a difficult time keeping their financial information safe. In the event one's phone is lost or stolen, one's information may be compromised. It is also good practice to set up personal computers to require a password since a laptop can be lost or stolen just as a phone would. Many newer laptop models now offer fingerprint ID or facial recognition in addition to a password.

On mobile devices, individuals should connect through their financial institution's app rather than using a mobile browser to log in to their account. The institution's app may offer greater security, and many mobile apps now offer fingerprint ID and facial recognition, providing another layer of security.

People should log out after every mobile banking session. Whether using the app or a browser, logging out when one is finished is important. To take it one step further, people can close out of the app or browser completely when finished.

Individuals should delete apps and other personal information when they get a new phone. Many people upgrade their phones every couple of years. When upgrading, individuals should make sure to wipe all their personal information from the phone.

Security software should be installed and kept updated. On PCs, this software includes firewall and virus protection. There are many options available, including some reliable free programs. Also, individuals should check with their internet service provider, as some include virus protection free of charge. Individuals should research reputable brands. As far as the security on a phone, individuals should make sure they apply updates as they are released. These often include security patches that fix known vulnerabilities.

Individuals should sign up for text and/or email alerts. Many credit card companies and banks provide real time notifications when unusual activity occurs on an account online or through a mobile device. Such alerts may notify people of large purchases, changes to their profile or password, and ATM withdrawals exceeding a certain amount. In most cases, people will be able to set the alerts to their preferences.

As a final note, people should be alert and know whom they are talking to. Individuals should not share their information unless they initiated the contact. If a company emails claiming to have an account with someone and asks for personal information, the person should not click on the links. Instead, he or she should type the company name into a web browser or search engine, go to the company's site, and then contact it directly. Individuals should use this same care when it comes to phone calls and texts. If something does not feel right, people should trust their gut.