Practical tips to help keep your finances secure
As digital threats grow more sophisticated, 2026 is shaping up to be a year when staying ahead of fraud matters more than ever. The good news? A few simple strategies can go a long way in protecting your household or small business. Here’s where to start
Stronger sign-ins, stronger security
Short, reused passwords just don’t cut it anymore. This year, consider shifting to more secure, easier to use options like passkeys or logins without passwords.
And whenever possible, turn on multi-factor authentication, ideally the kind tied to an app or your device, not text messages. A password manager can also simplify everything by keeping your logins organized and protected.
Let alerts and automation watch your accounts
You don’t have to manually check your accounts every day. Real-time transaction alerts can notify you the moment something unusual happens.
Start by setting up real-time transaction alerts for charges over a certain amount or for activity outside your normal pattern. Automation can’t replace your attention, but it can help you get ahead of trouble fast.
Slow down invoice and payment scams
Invoice fraud continues to grow, especially for small businesses that rely on email communication. Always verify any request to change payment details with a phone call or in-person confirmation.
Following evolving ACH security rules and implementing tools like Positive Pay can also help validate checks before they clear. A quick double-check now can prevent a costly mistake later.
Understand the psychology behind scams
Many fraud attempts don’t start with technology, they start with human psychology. Scammers use urgency, fear and authority to get you to act before you think.
Notice red flags like unexpected “urgent” requests, pressure to click a link quickly or calls asking for information they should already know. When something feels off, pause and verify it using a trusted method. A single moment of caution can stop an entire scam.
Start small, start today
Take a few minutes to review your accounts, enable MFA, set up alerts and talk with your family or team about new types of scams. In 2026, staying fraud-aware isn’t optional, it’s one of the most powerful financial tools you have.
- At Alpine Bank, your security is a top priority. You can find additional resources on our fraud prevention webpage.
- If you believe your Alpine Bank account may have been compromised, please contact our fraud department or stop by your local branch immediately.
