In today’s digital world, protecting your identity is more important than ever. With cybercriminals constantly evolving their tactics, staying vigilant and proactive can make all the difference. At National Bank of Arizona, we’re committed to helping our customers safeguard their personal information. Here are five essential steps you can take to help protect your identity.

1. Monitor your accounts regularly

One of the simplest yet most effective ways to catch suspicious activity early is by keeping a close eye on your financial accounts. Review your bank statements, credit card transactions, and investment accounts at least once a week. This can be done quickly and easily through Online Banking or Mobile Banking.

Look for unfamiliar charges, duplicate transactions, or any activity that seems out of place. Many banks, including National Bank of Arizona, offer fraud alerts that notify you of large purchases or account changes—take advantage of these tools to stay informed in real time.

Learn more about our Card Security Options.

2. Use strong, unique passwords

Your passwords are the first line of defense against identity theft. Avoid using easily guessed passwords like “123456” or “password.” Instead, create complex passwords that include a mix of letters, numbers, and symbols. Use a different password for each account, and consider using a reputable password manager to keep track of them more securely. Enabling multi-factor authentication (MFA) wherever possible adds an extra layer of protection by requiring a second form of verification.

3. Be cautious with personal information online

Think twice before sharing personal details on social media or unfamiliar websites. Cybercriminals often use publicly available information—like your birthdate, address, or even pet’s name—to guess passwords or answer security questions.

You should also be wary of phishing emails or messages that ask for sensitive information. If something feels off, don’t click on links or download attachments. Always verify the source before responding.

4. Secure your devices

Your smartphone, tablet, and computer are gateways to your personal data. Keep your devices updated with the latest security patches and antivirus software. Use screen locks and encryption features to prevent unauthorized access. Avoid using public Wi-Fi for financial transactions or accessing sensitive accounts. If you must use public networks, consider using a virtual private network (VPN) to encrypt your connection.

5. Check your credit report

Your credit report is a powerful tool for spotting identity theft. By law, you’re entitled to one free credit report per year from each of the three major credit bureaus—Equifax, Experian, and TransUnion. Review your report for unfamiliar accounts, incorrect personal information, or inquiries you didn’t initiate. If you notice anything suspicious, report it immediately and consider placing a fraud alert or credit freeze to prevent further damage.

National Bank of Arizona makes it easier to monitor your credit with Credit Score Powered by SavvyMoney, a service we offer to all of our clients for free. With this tool, you can access your credit score, get a full credit report, and benefit from credit monitoring, financial tips, and education.

Our final thoughts

Identity theft can happen to anyone, but with the right precautions, you can significantly reduce your risk. At National Bank of Arizona, we’re here to support you.

If you suspect identity theft don’t hesitate to contact us at 800-497-8168 to report the incident.