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Creating a Secure Password

  • Did you know? Your password is the key to your accounts!

With your password, someone could gain access to your accounts, transfer funds, and steal your money. Knowing how to make a strong and secure password can keep strangers out of your accounts! This short tutorial can teach you how to create a password that is easy to remember, yet complicated enough to foil most security attacks.

  • Did you know? The most common way your password is compromised is by someone simply guessing what it is, based on some simple rules?

Common Password Guessing Rules:

  1. Try "password"
    • The word "password" is the most common password
  2. Try Personal Information
    • Passwords often contain the name of a spouse, child, relative, pet or alma mater
    • Telephone numbers and social security numbers are common
    • Cities and States, especially home towns
    • Home addresses
    • Work Addresses
    • Vehicle License Plates
  3. Try some variation of the person's username or email account
    • Username spelled backwards
    • Email address used for password
    • A number before or after the username
  4. Try common and easy to type keyboard sequences
    • qwerty
    • 123456
    • asdfg
  5. Any word that can be found in a dictionary
    • Password guessing programs use 30,000+ word dictionary lists as their first attempt

If someone wants into your account and you have a common password, thieves can quickly guess your password.

So, how do you make a strong, secure password?

  • Mix in numbers and punctuation
  • Intersperse capitals with lower case letters
  • Use at least eight characters if allowed
  • Change your password at least every 90 days
  • Make sure you can remember it somehow!

The following five steps can help you to make and remember a strong password!

  1. Choose a phrase. It can be your favorite quote or reference, but don't make it the quote on the calendar next to your desk.
    • "Security is a process, not a product"
  2. Use the first letter of each word. Using the phrase above to generate an acronym creates an easy to remember sequence of fairly random letters.
    • "siapnap"
  3. Substitute numbers for letters. You can do some or all, but the following are the easiest to remember.
    Number Letter
    0 (zero) O (oh)
    1 (one) L (ell)
    1 (one) I,i (eye)
    3 (three) E (`e)
    4 (four) A (`a)
    8 (eight) S (ess)
    • "s14pn4p"
  4. Capitalize all the nouns and reinsert punctuation.
    • "S14P,n4P"
  5. Make sure at least one symbol character is used. If no punctuation was inserted in step 4, add some symbol characters to your password.
    • "S14P,n4P!"

Considering just how important the "key" to your accounts is, we would like to encourage you to make a strong password!

Your financial institution has taken strong measures to ensure the security and safety of your account and its overall online banking system. By staying alert to potential security threats and keeping in mind the suggestions listed above, you can help us keep online banking extremely safe and secure. Follow the good practices and use the knowledge we've provided here, and you will be much more prepared to enjoy the conveniences of online services with peace of mind!

These helpful tips are provided by Digital Defense, Inc., a computer security company working with your credit union as a responsible member of the community to help insure the privacy and security of our nation's financial information.

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