When it comes to your finances, peace of mind is priceless. At United Roosevelt Savings Bank, we take security seriously—because protecting your money means protecting your future. From digital safeguards to everyday best practices, this guide will walk you through the steps you can take to keep your accounts and personal information safe.

Why Banking Security Matters

Fraud and cyberattacks aren’t just stories you hear on the news—they affect millions of Americans every year. Scammers are becoming more sophisticated, targeting people of all ages with phishing emails, fake texts, and even phone calls pretending to be from “your bank.”

The good news? With the right tools and awareness, you can significantly reduce your risk. URSB combines advanced security features with a personalized, community-first approach so you can feel confident every time you bank.

URSB’s Security Features

We’ve invested in a range of protections to safeguard your accounts:

  • Multi-Factor Authentication (MFA): Adds an extra step to verify your identity when logging in.
  • Fraud Detection Systems: Advanced monitoring that flags unusual account activity.
  • Mobile & Online Banking Alerts: Real-time notifications to help you spot and respond to suspicious transactions.
  • Overdraft Sweeps & Account Protections: Prevent unexpected fees and unauthorized access.
  • Electronic Statements: Reduce the risk of paper fraud and keep your information private.

Everyday Security Tips You Can Use

Your bank can do a lot to protect you, but security also starts at home. Here are some simple steps to practice safe banking every day:

  1. Create strong, unique passwords for each account—and change them regularly.
  2. Think before you click. Don’t open attachments or links from unknown senders.
  3. Beware of “urgent” messages. Banks will never ask for your password or Social Security number over email, text, or phone.
  4. Set up account alerts so you’re notified immediately about unusual transactions.
  5. Update your devices with the latest security patches and software updates.

Spotting Scams Before They Happen

Phishing scams are one of the most common threats to account safety. Watch for:

  • Messages with misspelled URLs or unusual email addresses
  • Emails that pressure you to act immediately
  • Texts with links to “reset your password” or “verify your account”

If something feels off, don’t click—contact URSB directly by phone or our online form.

Planning Ahead: Security and Your Future

Protecting your money today helps ensure your financial goals tomorrow. Whether you’re saving for retirement, a new home, or your children’s education, keeping your accounts secure is the first step toward building long-term stability.

At URSB, our commitment goes beyond products—we’re your partner in financial confidence. With over a century of service in Carteret, we’re proud to combine modern banking tools with local, personal support.

Final Thoughts

Banking security doesn’t have to feel overwhelming. By pairing URSB’s built-in protections with smart personal habits, you can safeguard what matters most: your money, your identity, and your peace of mind.

Ready to learn more? Visit URSB.bank or stop by one of our Carteret branches to review your account security today.

Continue Reading