As we step into 2026, it’s a great time to take stock of your finances and make sure you’re protecting yourself from fraud, theft, and other financial pitfalls. A few simple habits can go a long way toward keeping your money and your peace of mind secure. Here are some practical tips to start the year off right:

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Review Your PINs and Passwords

Avoid using easily guessed personal information like your birthdate, phone number, or Social Security digits when creating PINs or passwords. Instead, choose unique combinations and consider using a password manager to keep everything organized and secure.

Be Cautious with Emails and Phone Calls

Scammers often impersonate trusted companies or individuals. If something seems suspicious, don’t click on links or provide personal information. Instead, contact the company directly through official channels to verify any requests. Identity Protection Resource Center >

Keep Your Account Information Handy

Maintain a secure record of your account numbers and contact information for each credit card, bank, or loan. Having this information accessible can save time and stress if you ever need to report a lost or compromised card.

Don’t Sign Blank Checks or Debit Slips

Leaving checks or debit slips blank makes it easier for someone else to commit fraud. Always fill in all details before signing.

Dispose of Old Cards Securely

Shred or cut up expired or unused cards, making sure to destroy the account numbers. This simple step helps prevent identity theft.

Monitor Your Statements

Take time each month to compare your statements with your receipts. Look closely at every charge and flag anything unfamiliar. Regular monitoring is one of the best ways to catch fraud early. View Statements >

Check Online Activity Regularly

If you use online banking, make a habit of reviewing your account activity frequently. Quick detection of unusual transactions can prevent bigger problems down the line. Login to Online Banking >

Report Issues Immediately

If you notice mistakes or discrepancies in your accounts, report them right away. Prompt action can help resolve problems before they escalate. Contact here >

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Starting 2026 with these financial safety habits can give you confidence and peace of mind for the year ahead. A little vigilance now can protect you from headaches and potential losses later.