Cybercrime is on the rise with more than one in four bank and credit card customers experiencing fraudulent activity on their accounts in the past year.  Despite that alarming fact, a recent J.D. Power survey found that 23% of bank customers and 29% of credit card customers have not taken steps to safeguard their accounts by updating passwords or enabling multi-factor authentication in the past 90 days. 

While banks invest heavily in cybersecurity, account holders can play a critical role in protecting their own information. Simply follow these four simple steps to significantly reduce your risk of fraud on all types of accounts.

Use Strong Passwords

A strong password is your first line of defense. Experts recommend passwords that:

  • Are at least 12 characters long

  • Include upper- and lower-case letters, numbers, and symbols

  • Avoid personal details such as children’s or pets’ names, birthdays, or anything visible on social media

Consider using a password manager to help create and store secure passwords.

Enable Two-Factor Authorization (2FA)

Two-factor authentication adds an extra layer of protection by requiring a one-time code when you log in. To enable 2FA:

  • Log in to your Marine Bank Online Banking account

  • Go to Settings and select Security

  • Locate Multi-Factor Authentication or Two-Factor Authentication

  • Choose how you want to receive your one-time code (text or phone call)


Review Accounts Regularly

Make it a habit to review your accounts at least once a week, or more often if you have frequent transactions. Regular reviews help you:

  • Spot unauthorized activity quickly

  • Identify forgotten subscriptions

  • Catch billing errors or unexpected fees

  • Stay on top of your budget

The sooner you notice an issue, the easier it is to resolve. 

Enable Debit Card Notifications

With Advanced Card Controls within our Marine Bank Mobile Banking app, you can:

  • Receive alerts whenever your credit card is used

  • Quickly report suspicious transactions

  • Turn your card on and off it it’s temporarily misplaced or being misused.

Have questions or need help with the suggestions above?  Contact one of our banking centers and we’ll be happy to assist you.



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