1. Device Security
• Always set a strong PIN, passcode, or biometric lock (fingerprint/face ID).
• Enable auto-lock after a short period of inactivity.
• Keep your device’s operating system and apps updated to patch security vulnerabilities.
2. Mobile Banking & Financial Apps
• Download apps only from official stores (Apple App Store, Google Play).
• Verify the publisher/developer name before installing.
• Use the official mortgage/bank app instead of mobile browsers when possible.
• Log out after each session.
3. Phishing & Social Engineering
• Be cautious of texts, emails, or calls requesting personal or financial information.
• Do not click suspicious links or attachments.
• Financial institutions will never ask for full passwords, PINs, or one-time codes via text/email.
4. Network Safety
• Avoid accessing financial apps or accounts on public Wi-Fi.
• Use a VPN when connecting to untrusted networks.
• Disable Bluetooth and Wi-Fi auto-connect when not in use.
5. Device Protection
• Enable Find My iPhone or Find My Device for tracking and remote wipe.
• Encrypt your device (default in most modern smartphones).
• Regularly back up your data securely.
6. Multi-Factor Authentication (MFA)
• Always enable MFA for banking, mortgage, and financial apps.
• Use an authenticator app instead of SMS for stronger protection.
7. Data Sharing & Privacy
• Be mindful of app permissions (location, microphone, contacts).
• Do not store sensitive financial information in notes, photos, or unsecured apps.
• Regularly review and delete old apps you no longer use.
8. Lost or Stolen Devices
• Report a lost or stolen device immediately to your bank or mortgage company.
• Use remote wipe features if available.
• Change financial app and email passwords right away.
9. Password Hygiene
• Use unique, complex passwords for each financial account.
• Consider using a password manager.
• Do not reuse or share passwords across devices or apps.
10. General Best Practices
• Stay informed about current scams (e.g., fake banking alerts, mortgage payment fraud).
• Regularly monitor account statements for unauthorized activity.
• Contact your lender or bank directly if something looks suspicious.
