How To Sign Connecticut Banking Document

Industry sign banking connecticut document online

i told eric i'm so impressed you know their library you're so lucky they're in mystic and no ink you've got so many um programs being offered by the library and it's just it's great to see people utilizing that um i've been with the department of banking for uh since about 2003 my title is outreach coordinator um we're a regulatory agency we regulate state chartered banks and credit unions uh so down your way chelsea grattenbank i think is one of the banks that we we regulate we also regulate the mortgage industry check cashing facilities money transmitters in walmart you could go in and cash a check or wire money so our examiners go in there and we also have a really active securities division so your your investment professionals financial planners um we take care of all that so probably about 80 percent of the people in my agency they have a financial background and they go in and they do all these audits and and really with with uh part of our mission of protecting our money but as well with that mission is educating people so i get i feel like i have the fun part the fun job in our agency because i get to go out and about and now in this day and age i get to come virtually um onto your screen and and share some great info so with that i'm gonna share my screen and i've got my presentation that i'm gonna so there it is there's my there's a the presentation is preventing identity theft online and eric and i talked a little bit about this and i i sort of put together some information from a few different programs as well as a lot of new information so i'm really excited to prevent this i think it's a real timely topic um because as this screen shows we there's traditional ways of banking the brick and mortar bank where i'm sure most of you i still do i like to go into the bank um my kids like to go through the drive-through i have to say we get the lollipops they're 10 and almost 12 and they still like to get the lollipops from the drive-through but there's something about dealing with a real person when you go into a bank um a lot of people don't use a bank and they just they and i have the image of the piggy bank there but we have a lot of unbanked out there as well people so we we do try to get them we we have some programs where we encourage people um to utilize you know the banking system in some respects but um saving money in your piggy bank is still a great way to at least for the kids to start doing their banking and then we also have our traditional ways um of paying for things um paying cash i was telling eric earlier i like to have cash in my wallet i like to have even if it's just a few dollars i like the feel of money um you know people in this day and age a lot of millennials are are sort of going cashless but you know what i'm going to stand in line at the grocery store and if i have cash to pay i'm going to take my time and do it so but this is still what's considered a traditional way um writing checks i still write checks my husband and i you know we do a lot of that i have moved over to some online banking as well though actually more so to online and i'm going to talk a little bit about that with you all and using credit cards and using debit cards these are these are really traditional ways of of paying for things in ways that most of us really do but what i want to talk a little bit about is some of this these modern ways that people are banking and this is this is kind of where the um preventing identity theft online and cyber security really comes in because if you're doing all of your banking just in person um that's probably the best way you're you know you're really avoiding any kind of online but our information is out there our information really is online um when we open these accounts you know even a lot of our doctors offices um my family we moved over to a different dentist and you know i they text me for confirming appointments and you know because i'm willing to do that it's a new method but there's also your information's kind of out there a little bit more um so back to banking these modern ways of banking online banking has been around a while i do quite a bit of online banking i love that i can log in 24 hours a day and i can see what my account balances i can see what checks have cleared um it's what it would have been what has been deposited you know i have my paycheck and different things automatically deposited i i handle my mother's finances my mother is actually in assisted living so for the last few years i've taken over her finances and everything and i have to say with her the online banking has just been wonderful because i can go in and check things i can pay bills i have a lot of her bills automated but again that's just more of an online presence so we're going to talk about how we want to make sure to protect ourselves that way um there's also mobile apps um uh i'll be curious if if many of you a lot of people i know are using these smart smartphones my aunt's uh fully on board with this she actually uses an ipad because it's a little bit bigger and really likes going on social media and things like that a lot of people have been using the mobile payment apps uh and they have something called person-to-person payments a lot of people are doing so i'm going to talk about that briefly as well so online banking that was is the first one i want to talk about people are interested in that but um you know they're saying how do i know that online banking might be safe well first of all if it's your own bank that you are already using um let's say chelsea gratton um webster bank td bank bank of america any most banks have an online presence i'd be really surprised if any of the banks that that we're using here in connecticut don't and um my suggestion would be to get the address the website address from your bank and um and and you know that that's a legitimate one uh where i um offer concern for people is if they want to change banks and they're just sort of on the internet and they come across this bank and it's got really low fees uh really good rates there there's a lot that's attractive to them but they've never heard of it before you always want to confirm as with anything but you want to confirm this financial institution is legitimate because you're going to be depositing your money with them and i hope most of us are familiar but you want to make sure your deposits are federally insured as with any bank that we we are doing our banking with as with the brick and mortar banks i think we take it for granted um that there's that little fdic sticker but it's so important to make sure that your deposits are insured because if anything were to happen you want to make sure your your money is protected and the way you do that is at fdic.gov and right from that home page you scroll all the way down and you go to bank find so this is what i tell you know a lot of um particularly um i work with with millennials there you know and a lot of people don't don't want to go into a bank because of their hours they're working or different reasons they just want to do everything online so i say make sure that institution is legitimate doesn't have to be a bank it could be a credit union but you want to make sure those deposits are federally insured and actually i should have included for credit unions um it's the nation um i believe it's the national credit union association ncua that um that insures credit union deposits but i can actually double check that for you so and as i mentioned you you want to type in the name of that website into your browser if you if if you are on the internet and a pop-up comes up and you think you want to use that bank you don't want to click that link and go to it you always want to type in the name and when i show here https that shows it's secure i believe most websites now have all turned over to the https i think almost any website you go to um they really have to be a secure site but particularly when it's something where you're putting a password in or certainly a financial institution you want to make sure it has it has that secure s the https and as i said don't just use a link that maybe you were emailed or got through a text message you know a lot of people are getting scammed that way where they're just getting an email i'm going to talk about that in a little while as well but um oh this this you know it's you know i'm banking with abc bank but oh one two three banks just emailed me and they've got great rates you know we were thinking about doing a refinancing look at this rate i think i want to use them and you're tempted to just click that link and and that's that's the last thing you want to do because you just don't know that that site is going to take you to is actually legitimate okay um and with this online banking you want to make sure your transactions are very secure you want to safeguard that account um if you're doing online you want to make sure the bank uses encrypt encryption to protect your information just ask if it's not in any of the details there you could just call and you can ask somebody they should always require passwords or pins and a lot of times they require my bank even though i'd probably go on it at least once a week every now and then there's something called a two-factor um authentication which means i've given them either my email address or my phone number and what they'll do is either send an email or a text with a code so when i log in i have to confirm it here in fact i have a work laptop and every single day i log in i get a confirmation code sent to me so they know it's me so if somebody else takes it unless they have this too and if they get it they shouldn't be able to get in because i have it i have it let's see if it'll show up i have it i have it locked um it's that extra security for you and you always want to make sure you have the latest security updates on your device whether it's an ipad or a phone or on your computer it's a really important thing again i'm going to bring it up again later as well when we talk about identity theft now mobile payment apps are different than online banking online banking as i mentioned it's your logging into the bank's website a secure website with your secure password and you can access your banking information you can pay bills you can check deposits it's really a nice thing um and it's been like i said it's been around a while so a lot of people are comfortable with that these mobile payment apps are a little bit different uh you may have heard of venmo or paypal or apple pay these are apps so they're applications on your phone or device that let you send money um and you set up an account you link it either to your bank or your credit card and so it's money you already have they're taking the money that you have and allow you to pay so for instance if eric and i both have one of the um apps let's say venmo and we go out to eat and we want to split the bill um maybe one of us can pay it and i could just pay eric with venmo or if he buys tickets to something and and um he's able to go online and get the tickets i could just send him money and you know we could be next to each other or we could be 50 miles apart and i could send that money so um it's a really nice way people find in this day of technology to make purchases or send money but what about the security of it this is what we wanna we wanna check when you use these type of things you definitely wanna find out about fees if there's fees involved am i putting twenty dollars in there but they're gonna take you know a certain percentage of every time i make a payment that that's a question i want to ask how about privacy any time you you um download an app to your device you you want to at least check the privacy it's it's you know really small letters and you know small fun and and a lot to read but um a lot of it's kind of basic that you can check through um what are the funds availability am i going to be able to get access to my funds when i want to okay you want to know your rights with disputing errors you know even technology makes errors they certainly do um and also are you using a bank versus a non-bank okay these are just different questions you want to ask when it comes to these um and and you'll see i it the peer-to-peer the peer-to-peer and the mobile banking are very similar are kind of uh you can sort of exchange the names on that this example i'm going to give is paypal um [Music] and i use paypal a little bit it's nice for when you're making purchases online in particular um you can instead of going to a site let's say you're on amazon or you know one of one of the closing stores ll bean and you make a purchase on a secure site um you don't have to put your credit card information in you just give your password for paypal and it kind of goes through paypal to get to your money and then paypal actually pays so as i say here you as the user authorize the app which is in this case paypal to debit a bank account to fund the paypal account and then you'll tell paypal send money i want to pay this i want to purchase this so you're going to pay it for me and then whatever account you've set up with paypal actually pays it um maybe this might this might help a little bit with the security with these person-to-person apps or this this mobile banking you do have to create a pin and then that pin lets you complete these transactions so if someone gets your device but they don't know your pin they can't utilize it so that's a good thing in a lot of cases you can receive a notification by email or text that a transaction was made which is nice it's sort of that um extra extra security for you that you get that notice because if you suddenly get a notice that a transaction was made and you didn't make it you can go in and correct that error okay one of the things we tell people only transact with people you know now this is particularly the person to person payment but i think that also makes sense in my example of um using it for stores online like amazon or ll bean you don't want to kind of be checking the internet for something and coming across a random website i i always am leery of that i always tell people if there's something you think you want to buy or something look for phone number and call um or maybe google and check and see if people have um have anything to say about that site but if it's a site you're not um used to or that's new to you i'd be very leery about about putting a credit card or or any of your or using paypal or something like that okay um so with safety and security these are a few of kind of the important things you want to check off your list now on the one thing you may you may have caught i i didn't whoops let me come back up here i didn't i didn't speak on this last bullet the fdic the federal deposit insurance corporation that i mentioned which which um insures deposits they recommend linking to either a bank account or a credit or debit card well i'm going to suggest use a credit card and not your bank account because if you link to a bank account and that transaction was incorrect or let's say you meant to send someone 50 and you sent them 500 or there was some kind of an error you got a text and it wasn't you if the money is taken out of a credit card you have a better you know a better case for that credit card company to um to take care of it for you your protections are there if that money comes out of your bank account it's gone and it's going to take longer for your bank or credit union whatever financial institution it is to they want to prove you know they they want the proof that that money shouldn't have gone okay so so think about that kind of in general when i tell people using a credit card online is much better than using your debit card because that money is not coming right out of your account okay you also this is so important you want to make sure whatever device you're using whether it's an ipad or a computer your laptop or your phone you want to make sure it's secure and that its software is up to date a lot of people don't they think oh i'm just using it in my home nobody else is using it i'll i'll get to the update really important um now i think microsoft does sort of an automatic update uh i know we were told in work they're sort of doing that automatically but if you have um a certain um antivirus you always want to make sure that's up to date um your software just when you get that little pop-up that says it's updating you know don't click oh i'm in the middle of something let me have it do it later if that's the case a lot of times you can put in update tonight and let it do the update shut everything down and let everything update it's so important because these updates install a lot of security patches or um security measures in there that they could find there may have been weak spots that people were allowing hackers to get in and this software update is really going to help prevent that you also don't want to use public wi-fi for financial transactions in fact i tell people if you're on a site you have to log into with a password even if it's not a financial institution i say don't do it with public wi-fi i know in the airport a lot of times when we're waiting for flights it's you we go on our social media i just it's it's just too easy for hackers to get in and certainly online banking you don't ever want to do that on public wi-fi you just want to stick to your secure site um or if you're somewhere where it's a secure setting um a lot of times if you're staying somewhere on vacation you have to log in to the hotel with a specific site if it's just open for any guest and it's just it'll say unsecured you don't want to do any of your banking there okay and then as i mentioned you want to watch out for those phishing emails we call them phishing emails because they're fishing for information they look like they're coming from a bank or it could look like it's coming from paypal or venmo or one of those sites and what you need to be really leery because there's not many cases where they'd want to email you and say oh you know we've had some security issues we need you to log back in or we need you to put your um we need you to confirm that this is your bank account information and put it all back in there or put your social security those are all huge red flags that tell you you're very likely on a site that's not legitimate so if you think an email came in that seems legitimate delete it and then you can either call the institution or you can separately go to the institution's website and if they've sent you a notice like a marketing notice a lot of times when you do online banking there's a spot where they have announcements or notifications chances are that that email is not there okay so you you would just want to be leery of these phishing emails that come through now when it comes to cell phone protections i just wanted to throw this in here people sometimes forget your cell phone especially these smart phones where we can go in and have all these apps it's a computer so you want to protect it you want to have auto lock um and of course my auto lock is i was hoping it would come up and show you but it comes up and and you have to log in you have to put my code in uh put that password protection some of them people can put their uh thumbprint um some of them are voice activated but whatever you do just make sure you do the proper security because in case it's ever lost you don't want people to have access to all of your apps because in many cases your apps may open right up may have may already be you may be logged in to all of them install the updates people think on their phones they don't need to worry about that and it's so important um as i mentioned know your wi-fi you don't want to keep it roaming i know it could be a pain if um if you use your bluetooth for a lot of things and say you're in and out of your car and it automatically turns on for you if you're not going to be using it for several hours or like for a whole day you want to turn that bluetooth off a lot of times people have their wi-fi set to automatically connect so oh if you go to dunkin donuts once and you connect now every time you go it's going to automatically connect just be leery of that especially if you think you want to go into some secure sites okay and understand the apps you get they are collecting information and they may share your information as i mentioned those privacy notices you want to read those always update and just be leery of malware so um with this with apps i always my so my sons a lot of times they want to play games with their friends they can kind of get online and both be on at the same time i google and i look into every single app i it doesn't matter to me just that it's on the app store and that there's reviews there i always google and check make sure things are legitimate that they're age appropriate and if things have come with malware and have affected people that's going to come in on their reviews so you want to do your due diligence and do your homework okay so we're going to move on to talk about identity theft a little bit do we have any questions at this point about anything i know i'm going a little bit quickly but i kind of wanted to sort of before we talked about identity theft really share these these newer methods of banking with you and you know i i don't um a lot of people are are doing their banking online or um maybe even have an online banking account maybe maybe you're not paying bills or maybe you're not doing too much but maybe at least you just check your statements that way you still want to make sure you're very secure so we're we're gonna uh seeing no questions at this point i'm just gonna we're gonna um talk a little about identity theft so what is identity theft it's somebody else using your personally identifying information that's your name social security number a credit card number maybe your bank account number or other types of identifying information without your permission and often without even without your knowledge and what they might do is create phony documents um they might if they've got your social security number and your name they might even change your they might not even know your address that's even something a lot of times they purposely change but they could go into a store open up credit and then all of a sudden now they've got some some presence there and if one store doesn't let them maybe they'll go to another but once they get that credit then they go on a shopping spree and they're going to buy expensive items and before you even hopefully for their point of view before you even realize uh that that your identity has been stolen um so we we want to look into this a little bit and see how we can help prevent that okay and what due diligence we could do now what are some of the ways people might do this as i again as i said they're going to get your information but how how do they get that information you know i'm i'm trying to protect my information as much as possible and one thing i'm not going to discuss tonight i'm actually thinking about it right now are some of the security breaches that happen unfortunately beyond our control um companies and credit card companies and stores and everything they're really doing their best to prevent this because they don't want their name out there as having a security breach but um we're not going to talk about those because those are a little bit beyond our control um i i will share one one good good method um is checking our our um our credit reports that's something if we check those on a regular basis kind of like having preventative um um you know mammograms or things like that it's we may only do it once a year or whatever but it's it's going to help us show signs if we check our credit report it's a good thing so we'll talk about that a little bit too but what are some ways that these scammers want to try to get our information when we're when we're online or or when we're when we're getting our information out there so one of the things um there's something called skimming many of you may have heard of this is when we use our our debit card at the atm or when we make purchases actually this could even happen at um um point of contact purchases in the store if we're paying with our with our credit cards or or debit cards it's a little less it happens more at the atms because they seem to be more solitary um in the stores you know we we know that when we go into our stores they've been checked and they're usually right at the register so if something looked kind of funny it you would notice it and somebody would tell a manager and they would immediately see with these scamsters who do these skimming on atms they count on the people that are doing it after hours so let's say after the bank closes and all the bank employees leave then they're gonna come around and they're gonna put this device and it looks a lot they call it a false reader it looks a lot like a normal one um some of the obvious really bad jobs uh you may notice you know if you see a little tape or if it looks like glue or anything like that i always um i was given a um presentation or our whole office was given a presentation a few years ago by a detective and he told us just shake it just just kind of touch it and shake it and i do it every single time even the atm inside the bank i go in i go in and i just sort of rattle it a little bit um and you just if it falls into your hands you know that it's broken but it's usually not that obvious these a lot of these scammers do a really good job it's they put this false overlay right over where your credit card would go in okay so you want to check for scratches for any of that kind of tape or anything and it shouldn't scrape the card it should go in nice and smoothly right when it's when it's normal but there's also number two is the camera if you're using a debit card and you put your card in there let's let's say they do take the um digital information off it well what's the other thing you have to do with an atm you have to give a pin number so what they often do is well as part of their scam is they have a camera which should be set up behind you so what that detective told us to do is just take your hand and cover the pin code when you do when you put your numbers in and that and that should help on that um so the thing with skimming to be aware of is um it didn't even mention it could happen at the gas pumps as well we hear a lot about skimming on the gas pumps um i've noticed at the gas pumps and i think they're aware of this is a lot of times they have a um like a sticker sort of covering it and then it's written over with the date so it clearly has not been tampered because there's a secure sticker there um but you wanna you know maybe use those pumps that are closer to where the store is especially if you're doing this at night um or pay inside if you're at a a gas pump that you're maybe a little bit leery of um when it comes to atms i highly recommend really doing it during business hours because they've already the bank tellers generally check the atm in the morning and at night and even once or twice during the day um you know i tell people if you're using an atm in a convenience store really be leery not only the fact that a skimmer the scammers might try to do skimming on those is that there's extra fees involved with those anyways but um you want to you want to double check if you've used a device if you've used an atm and your gut is telling you uh you know what something just didn't feel right it sort of jammed a little when i was pulling in but i really needed the money i had to pay someone money i had to get it out um review your statements you can call the bank the next day and you could check that transaction um you can see if there was any unusual activity and and um if there's something on your statement that's a miss you want to report it okay you can even report to local law enforcement if you wanted to um generally the first call would be to that financial institution to let them know but um especially if you are in one of these and you know it's been tampered and it's after hours you can even just call the police and have them come and check it out for you and then as i mentioned you will want to review your credit report if you think that maybe um your information might have been taken due to skimming you want to check uh your credit report there okay um skimming is probably the least likely of all these to happen to us i mean it can happen which is why i share it with all of us and we really want to be diligent but unfortunately this scam here is one that we see more often and it's these phishing scams i talked about before okay it looks like it's coming from a legitimate business i wanted to show you this example uh this is actually an email that i received um last march it's been a year and a half already and i i i um did screenshots off my phone which is why it's the setup is like that but this this email it came in and it was the united states postal service so okay a government agency okay you you think you'd be able to trust that right all right but one little red flag for me why would the post office email me never in my life has the post office reached out to me by email uh we we i get my mail to my mailbox and if for some reason my mailman or mail person couldn't deliver it they would leave a little form in there and usually i would have to go to the post office and pick it up so that's really the first big red flag just who it came from and i know better so i normally would have deleted this except i wanted to share this with everybody but let's just say oh come on the post office and let's just say i didn't know and i opened it up so our company's courier couldn't make the delivery that's the subject oh okay i'm still reading looks like the logo usps.com looks pretty legitimate but all they're saying is we have sent you a message and then i'm supposed to click here to view details hmm that's another red flag that should come up this is a very short message again why are they just telling us they're sending me a message and want me to click a link clicking a link is a big red flag and now i've pointed to all of these because when an email comes in when we take our mouse and hover over it we the the actual email address will pop up so when you if you look back on the email you got from eric or from mystic and nowhere bank i'm not sure what it comes through as eric but if it says let's say it came from from your name it'll say your name but if i hover over it it'll give eric's actual email address at the library so i know okay this is legitimate well look at here i hovered over united states postal service and this was the email cjh9669 at newyorkcity.com that has nothing to do with usps.com that that clearly is not a valid email address and any of these hyperlinks that i hovered over this hyperlink should say usps.com and it didn't these were all not valid they were they were links that were going to send me to a site that looked legitimate and somehow it was going to have me put in my personal information probably a bank account or a credit card or something like that they were probably going to ask for a credit card because of um delivery or something there was an extra delivery charge or something okay i'm going to share another type of phishing email this one will look a little bit more normal this one i got in july and i might have shared this the last time i did i did a program um so i'm actually going to share a couple others but this one came from uh uh seems to be an asian name okay that's you know i i work i get emails from a lot of different type of people that doesn't really phase me initially but the subject my kovit 19 donation okay my interest is peaked i'm a little bit leery but i'm gonna keep reading greetings my name is the owner of luen yik manufacturing company from wuhan china okay red red flags bills are starting to go off a little bit she goes on to say she's in the hospital recovering from the coronavirus her husband had passed away and before he died he wanted to his money to go to help other people affected by covid19 and she wants to transfer 5.3 million dollars into my account this is a classic phishing email um i want to share with you i'm actually going to go over into my emails here and i'm going to show you hope you an all see my screen here oh no not my inbox i have junk email i've kept them here so here was one here's a great deal on masks so now early on this came uh when was this email sent this came several months ago i think in september and back around then people were still kind of you know coronavirus was early actually this might have even been this was july and um you know people couldn't get masks or maybe people didn't want to go out into stores and oh this is great look at all these great links but really look at the links they look just like mumbo jumbo we don't want we we want to delete that email here's another one good day and god bless you i'm writing to you from germany and long in the short of it her late husband before he died deposited 50 million dollars into a bank in india and i wanted to go to the united states so i've chosen you to take my money and deposit it it's um believe it or not people fall for these and this is why i'm showing these to you here's another short but sweet one this person is just trying to sort of lure me in he's a former thailand prime minister and has a really good business proposal if i was really curious but you know maybe i'd want to email him back we don't ever want to do this here right in the subject line this is an investment proposal you'll be given a percentage of the investments as long as both parties agree now to all of us these are very the these all of us are going to delete these i hope they seem very very obviously a scam but some people you know when your guard is down or you need the money let's say or let's say you honestly want to help other people too and you just have a charitable spirit and you're thinking all the people you could help with this and your reason goes out the window what i'm here to tell you is any time you get an email from somebody you don't know i i don't even want you to get to the point of reading it i want you to just delete it um in my junk email i have dozens right now when i go in every day and i just delete them all i've saved these to share with people but in in general with these phishing emails they're sometimes not as obvious as i mentioned before maybe it says amazon.com and there's an issue with your order and we just want you to confirm your credit card information well i'm ordering a lot from amazon.com lately and what if my guard is down and i'm worried about my kids and their homework and everything and i just click it and maybe that link is gonna put malware on my on my device it's you know i might know if it asks me for my credit card number i'll say wait a minute but if i'm not thinking and just click a link we have to be very we just have to do our due diligence and be careful this is something called email spoofing where you get an email might look like it's from a friend of yours and it's got a real strange subject line these are the ones you need to be careful of because you think it's from someone you know what did i just say to you before delete anything from people you don't know but now here's a case of an email that comes in you think it's somebody you know but look at this example here all the person wrote was you probably want to check this and it's a link all of these kind of spoofing emails they really just have a link and that's what they want to do is they want to put some malware on your on your device and all of a sudden this pop-up will appear that if you put your credit card information in it'll it'll help clear it up so just just be very careful of these and if you're not expecting an email from a friend just delete it or call them say did you email me yeah chances are your friend is going to say that they're they've been hacked now this one this is a text scam this is an actual text that was shared to me by a student um at a high school where i had done a program and um this just came in and said i saw you last week and i liked you i'm the girl who was looking at you and smiling now there's punctuation errors she says she wants to get to know each other better and there's a link and our curiosity our instinct makes us want to click that link and again that's probably going to upload some something malicious onto your device so make sure your device as i said has the latest software and any type of um antivirus or security you could put on it okay we want to be leery of these random texts that come in okay so as i say it's the clicking sharing and saving you want to be careful you don't want to give out personal information over phone telephone social media unless you know who it is you're dealing with um beware of those emails and attachments and links if it's unsolicited you don't want to open that if that's something you know on occasion your bank might send you something it's probably just marketing if it's legitimate so don't even worry about it as i say here if it's from a friend you still want to be cautious you want to make sure that's actually an email your friend is sending you backup files we're using these devices every day and if we're on our computer and we've got even if it's you know i upload pictures and i would be distraught if i lost a lot of these pictures you want to back them up um and and um there's ways of doing that with an external device i know a lot of people use the cloud and that's a really good way of doing it as well but honestly the cloud is way up here to me i don't quite understand it i actually use something called an external hard drive and you can back up things to that um you just want to be wary as i say you don't want to be afraid you know we we want to go online we it's okay to make purchases online i definitely want to be clear we can make purchases we can book airline tickets we could do our online banking we just want to make sure our device is very secure and the sites we go to are legitimate that's really bottom line so here as i say you want to password protect all your devices one thing i didn't even mention was shredding and when it comes to people potentially getting our personal information you don't want to just throw away documents so important to shred anything that's got credit card information or your banking information or even worse your social security anything that comes in from medicare that you don't save or anything you want to shred that um in fact that's another um i mentioned earlier i um assist my mother with a lot of her things you can go online for medicare you could go online and set up an account and everything is actually available to you there so if you don't want to get the paper copies that now oh do i have to shred this i don't know if i have to save this it's all online in a secure place as long as you password protect again use the privacy settings on social media um social media is a great way to connect especially with family and friends my my family that live out of state love to see pictures of my kids and what we're doing even my in-laws live an hour away and i posted some pictures of my boys doing their pumpkin carving and we talked to my in-laws last night and they were thrilled to see the pictures again in both cases we want to have our privacy settings there and just have our friends be able to see all that if you're going to dispose of an old computer or of an old device you want to make sure all your personal information is cleared from that and that's something a computer expert can help you with um and lastly but so important that i've talked about it a lot today beware of phishing emails those emails the calls it could be those telephone calls coming in often times are phishing calls pretending to be the government pretending to be your bank they're fishing for your information you want to be careful of those the other thing i wanted to share i thought it would be kind of fun to sort of end with um i never really talked about passwords that could probably be a whole other topic um but it's really everything we're online with you need a password for and you you really should have a different password for everything um what i'm hearing more and more is that people should be using password managers i gotta be honest i'm still i'm still getting there i i see eric nodding i said yeah it's like we're told look them up so i've actually been researching them a lot i i kind of want to put together a program on that but i feel like i should really be using it first before i could really speak on them um i'm not in my head but i also don't use one eric i'm and i'm so ready i just a couple of weeks ago was on a webinar and this it was great it was an aarp webinar i have to share with everybody whether you're old enough to be an aarp member or not go to their website they have excellent webinars and they have something called the fraud watch network you can google it aarp fraud watch network and um they i was on a webinar they had and they had an actual scam a con artist he was he used to be a con artist now he works for the government and it was kind of frightening what he said he used to do and one of the things i left that webinar with was he highly suggested a password manager because i have to admit i have mine written down somewhere and i shouldn't be sharing this i'm not speaking for the department of banking but we have so many um one of one of my it managers actually gave some really good advice is have a password and if you need to write them down have one password you remember a really good long one like 10 digits long really good remember that in your head and then for everything else sorta have an extension so maybe the extension is different things in all caps or numbers but if you just write down the extensions if somebody got hold of your piece of paper that's got you know um um facebook and it just has that extension that's not gonna get them anywhere it's it's it's something tedious that you'd have to do but um what i wanted to share here are the worst passwords that people use and and this was done by a survey that something called splash data every year they update their top 10 actually i think they do like a top 100. these are their top 10 worst passwords of 2019 and they said when i when i googled this for the first time i think maybe since they've been doing this the word password was not in the top two it went down to number four but people use the word password as their password um number one is one two three four five six and a terrible password not only in that it's so simple but we're hearing passwords should be really at least 10 to 12 even maybe even 15 um uh letters or numbers um long that the longer your password the the more secure it will be but look at some of these anybody q-w-e-r-t-y anybody that had taken typing in your life q-w-e-r-t-y is what's on the keyboard right it's the if they go right in order um i love you is an easy one all ones i mean if you want to get hacked you want to do one of these these these are just they're the worst passwords um even this one up here you're thinking well that looks pretty good one q2w 3e4r well if you look on your keyboard it's just you're going diagonal 1 to q 2 to w 3 to e this one's new to their top 10 but it's they consider it a really bad password so that's my information for you this is again i'm with the connecticut department of banking this is our contact information if you needed to call the agency i will share with you all that we are still i would say 95 of the agency is working remotely and those other five percent just go in every now and then to get the mail and and to do the things they need to do uh but if you leave a message it's checked several times throughout the day also on our website which is ct.gov slash dob um we you can um you can put in an online complaint so you can go on and you can submit your complaint we also have an email right on that front page that you can i believe it's department.banking at ct.gov and you can send an email and it gets checked several times a day we're also on social media on facebook.com ctdob um and while i'm still well we still have a few minutes before seven i did want to share um a couple really good websites identitytheft.gov uh is from the federal trade commission really great resources a lot of the things i've shared with you but also if you think you may have um given up some information and maybe you think you're a victim of identity theft you can sort of start your recovery plan by who to report to the kind of check check mark the steps that i need to do i also wanted to share if anybody was interested and we talked a lot about the digital banking and online banking is fdic.gov and actually i wonder if maybe we we should copy this into the chat um i always do like a i'll send this stuff out by email after okay great great this is one of their consumer news and it's called as digital banking for me and it kind of gives a little bit of you know what you get from your brick and mortar bank and then what you might not get but what you also may get from the online you know the biggest difference with the online is you're not getting a real person and i like going into the bank and talking to the people there and getting that information and there's also when you're doing online banking it's kind of cashless you're not actually dealing you're not getting that cash in your hand the other website that i wanted to share i should have pulled it up already but it's annualcreditreport.com and this as i said when it comes to identity theft or if if you're concerned that maybe you get your credit card statement and you've got some you look it looks like somebody used your card or there were some charges that you didn't make or your bank statement it looks like maybe you know i didn't i didn't make this um and you call your bank and and everything the next thing you may want to do is check your credit report and normally you could check your credit report once a year at experian transunion and equifax but right now and it says it right here with this exclamation point um because of covid19 and coronavirus you can check your credit report online once a week it's amazing you can literally once a week go in and check those it but you need to go to annualcreditreport.com if you go to the each of the three individually they could charge you um and this is not your credit score i know a lot of people maybe get their score um through their credit card company or maybe through a service they use this is your actual report and i think it's more important to check your report because your score you know someone may steal your information and apply for credit and they don't want you to find out right away because hey they're they're they're buying a lot of stuff and so they're gonna use it and it might take a little bit of time but all of a sudden maybe your score will dip because you know maybe they're doing it and paying a little bit maybe they're kind of they just kind of want to feel it out and see if you notice so your credit score may be fine it's once they stop paying it and start charging these you know high-end electronics and maybe maybe book a vacation and then don't pay it that's when you're going to see it so you want to look for that on your credit report so i'm going to do a stop share so that i can kind of get back to you again um i really want to thank you all for for listening in and and again eric if anyone has questions or if any questions come up another time and they email you you can you can email me you know how to reach me um i'm happy to to send those websites again if you need them in an email um and uh and yeah this is just really good information and just we've got to do our due diligence and and protect ourselves thank you kathleen um for for presenting on the topic and for offering to kind of put pull together resources specifically on this topic but did anybody have any questions that didn't get addressed um we just have a couple minutes but okay excellent oh is someone you could if you have a question you can unmute yourself nope had i saw somebody wanted to say something nope okay well great eric this was wonderful and as i said um your your library is just you know i i go around to different um do these programs to to different libraries in the state and check out the websites and everything and and i gott give i gotta give you guys really big big huge thumbs up and and just your programming is amazing and and the uh the um involvement with your community is just great so you're all really lucky i i just i just unmuted myself so i think you can hear me now yes yes thanks so much that was a great uh presentation kathleen when you talked about two-factor uh authentication yes immediately after that you mentioned something about a secondary lock remember that you know what you're saying secondary lock let me take a quick look back let me see something that gave you an even added measure of comfort which is one step beyond uh the two-factor authentication yeah let me see i'm trying to remember what i said there um i know you said something about getting um an email confirmation of a transaction or a text confirmation but you mentioned the word lock that was something that i wasn't familiar with so oh i i bet i know what i was talking about so on our devices and i'm not getting my device to um it's opening right up for me but um this device i have it on my ipad as well is if i left it just sitting there after about 30 seconds it locks that was the lack i was talking about and and you need to do a pin code right yeah yep that that was exactly what i was talking about yeah with our and in fact we actually even at home we have it with our um we don't have a laptop we actually have a desktop computer and when we're not using it we put it to sleep and then to turn it back on we have to put our we have a four digit code and nobody uses it but the four of us in my house but we still have it set to that lock it's just habit yeah it's a good habit to get into yeah it can be a pain when you're home and you have to keep unlocking it but again like i said it's a good habit um and that that takes us to seven but if anybody does have other questions about this topic you can email me um i have cc kathleen to the um earlier email today you could reach out and um you had mentioned some of the nitty-gritty questions you might have to forward on to to somebody else in the department maybe here exactly exactly we have we have um great um a lot of knowledge in our agency about a lot of banking questions you know what one question a lot of people ask is um not having to do with identity theft or anything but how come if i go to a bank like if you give me a check and and and the check is is uh as a bank of america check and i go to bank of america they won't necessarily cash it because you're not a customer and and it's something where you have to be so we we get a lot of questions and things our consumer affair folks are very busy with all with a lot of um handling a lot of questions and complaints for people uh but absolutely anything that i can handle i will and anything i can't answer i know where to go so well thanks so much eric i really and i really appreciate you all coming on tonight um have a have a safe night and a good night and um we'll see y'all soon yeah thank you kathleen it was really helpful um i'll send out a follow-up email to you all with some of those resources probably tomorrow morning okay all right all right thanks everyone take care all right take care eric all right you got it