Protect Your Data in a Digital World: Simple Steps for a Safer 2026

Every day, we rely on digital tools—like online shopping, mobile banking apps, social media, and email—to make life easier. But all of this convenience comes with significant risk. Cybercriminals constantly look for weak spots, and even one reused password or an accidental click on a suspicious link can open the door to identity theft or financial loss.

That's why Data Privacy Day, recognized in late January, serves as an important reminder that your personal information is valuable and protecting it is essential. With a few simple habits, you can safeguard your data, keep scammers at bay, and feel more confident navigating your digital world.

Here are some tips:

Create Stronger Passwords and Avoid Reusing Them

Weak or repeatedly used passwords are some of the easiest ways for cybercriminals to access accounts. According to the Federal Trade Commission, using long, complex passwords, and different ones for each login, greatly reduces the risk of unauthorized access. Here are some best practices: 

• Create passwords with 15+ characters, mixing letters, numbers, and symbols.
• Use passphrases, like several unrelated words.
• Let your browser or device generate secure passwords for you.
• Consider using a trusted password manager to store them safely.

Turn on Two-Factor Authentication

Two-factor authentication (2FA) adds an extra layer of protection by requiring a second step, such as a text code, email code, authenticator app, or security key, to verify your identity. The FTC and the Cybersecurity and Infrastructure Security Agency recommend enabling 2FA whenever possible, especially for:

• Online banking
• Email
• Social media

• Shopping accounts

Watch Out for Phishing Attempts

Phishing emails and text messages are designed to trick you into clicking harmful links or sharing personal information. They often look convincing, but watching out for a few red flags can help you stay safe:

• A sense of urgency (such as "Your account will be closed!")
• Unexpected attachments to emails
• Spelling errors or unusual sender addresses

• Requests for passwords, verification codes, or financial details

If something looks off, don't click. Instead, go directly to the company's official website or call a verified number. If you think your information has already been compromised, visit IdentityTheft.gov, a federal resource that guides you through the next steps.

Secure Your Devices and Wi-Fi Network

Keeping your software up to date is one of the simplest ways to protect yourself. Updates often include critical security fixes that block new threats. Here's what to do:

• Turn on automatic updates for your phone, computer, browser, and apps.
• Use strong, unique passwords for your home Wi-Fi.
• Avoid using public Wi-Fi for banking or other sensitive activity.

• Enable built-in device protections, such as firewalls and security alerts.

Use Card Controls and Account Alerts for Extra Protection

Digital safety isn't just about guarding login information. It's also about monitoring your financial activity so you can take action fast if something goes wrong. Tools in American Heritage's Online and Mobile Banking make it easy:

• Card Controls lets you turn your card on or off, set spending limits, restrict transactions, and block certain merchant types, helping to stop fraud before it happens.
• Account Alerts notify you of large purchases, low balances, ATM withdrawals, and more.

• The Security Center provides additional resources and tips to help you stay informed and protected.

Limit Your Digital Footprint

Every account you create, app you download, or website you visit leaves a digital trail. Over time, that trail can grow, and so can your exposure. Try adopting these habits to protect your privacy:

• Delete old or unused accounts.
• Review privacy settings on social media and apps.
• Give apps only the permissions they truly need.
• Avoid online quizzes that collect personal data.

• Think twice before linking accounts, like logging in through Google or Facebook.

If Something Feels Wrong, Act Fast

If you suspect someone has accessed your accounts or personal information:

• Change your passwords immediately.
• Turn on 2FA if it isn't already enabled.
• Check your financial accounts for unauthorized transactions.

• Report identity theft or account compromises at IdentityTheft.gov

Prompt action helps limit damage and gets you back on track quickly.