In today’s digital world, online banking is more convenient than ever — allowing you to manage your money, pay bills, transfer funds, and monitor accounts from anywhere. But with convenience comes responsibility. Cybercriminals are becoming increasingly sophisticated, and protecting your personal information has never been more important.
At Utah Independent Bank (UIB), your security is our priority. We provide industry-leading protection, advanced monitoring tools, and constant system updates to help keep your accounts safe. But strong security is a shared effort — and there are simple, effective steps you can take to safeguard your identity online.
Here are the most important online banking safety tips, along with how UIB helps keep your information protected every step of the way.
Why Online Banking Security Matters
Cybercrime continues to rise nationwide, and Utah is no exception. Fraudsters target online banking because it contains valuable information — and because scams often rely on tricking users, not breaking technology.
Common threats include:
- Phishing emails or text messages pretending to be your bank
- Spoofed phone calls from numbers that look legitimate
- Malicious links that steal login information
- Public Wi-Fi attacks that intercept your data
- Malware and spyware installed on vulnerable devices
While cybercriminals evolve, the good news is that strong online habits dramatically lower your risk.
1. Use Strong, Unique Passwords
A secure password is your first line of defense.
Best Practices
- Use at least 12 characters
- Include uppercase, lowercase, numbers, and symbols
- Avoid names, birthdays, or easy words
- Never use the same password across multiple sites
💡 Tip: Consider using a reputable password manager to generate and store complex passwords.
And remember: UIB will never ask for your password by phone, email, or text.
2. Enable Two-Factor Authentication (2FA)
Two-factor authentication adds a second layer of protection by requiring verification through a code or authentication app.
Why It Matters
Even if someone steals your password, they can’t access your account without the second step.
UIB strongly encourages enabling 2FA for enhanced protection — it’s one of the most effective tools for preventing unauthorized access.
3. Beware of Phishing Scams
Phishing is one of the most common forms of identity theft.
Warning Signs
- Urgent messages telling you something is “wrong”
- Emails with spelling errors or odd wording
- Links that look suspicious or unfamiliar
- Requests for login credentials or personal information
What to Do
- Never click unknown links in texts or emails
- Call UIB directly using the number on our website, not the message: https://www.uib.bank/contact-us
- Report the suspicious message to the bank immediately
4. Use Secure Networks Only
Online banking should be done on a secure, private Wi-Fi connection — never on public Wi-Fi.
Risks of Public Networks
- Hackers can intercept your login details
- Fake Wi-Fi networks may mimic real ones
- Your device may connect automatically without your knowledge
If you must access your account on-the-go, use your cellular data rather than public Wi-Fi.
5. Keep Your Devices Updated
Software updates aren’t just about new features — they fix security vulnerabilities.
- Update Regularly
- Phones
- Computers
- Tablets
- Banking apps
- Browsers
UIB’s digital banking tools are regularly updated to meet industry-leading security standards, but your device must also be protected.
6. Monitor Your Accounts Frequently
One of the best forms of identity theft protection is catching unusual activity early.
What to Watch For
- Unexpected withdrawals
- Purchases you don’t recognize
- Login attempts from unusual locations
- New accounts or transfers
UIB Tools That Help
- Account alerts
- Real-time notifications
- Online and mobile banking activity logs
If something seems off, contact UIB immediately. Quick reporting minimizes loss and prevents escalation.
7. Use Official UIB Channels Only
Fraudsters often impersonate banks to steal information.
Always make sure you are contacting the real Utah Independent Bank.
✔ Access UIB via:
- The official website: www.UIB.bank
- The verified UIB mobile app
- Phone numbers listed only on UIB’s website: https://www.uib.bank/contact-us
- Physical UIB branch locations
✘ Avoid:
- Clicking ad links claiming to be UIB
- Following links from social media messages
- Trusting unsolicited phone calls
If you’re ever unsure, hang up and call UIB’s main line directly.
8. Don’t Overshare Online
Social media is a goldmine for identity thieves. Simple details can be used to answer your security questions.
Avoid posting:
- Your full birthdate
- Your address
- Your mother’s maiden name
- Your pet names
- Your children’s names
- Travel plans (indicates you’re away)
Strong digital safety means being mindful of what you share publicly.
9. Set Up Fraud Alerts and Account Notifications
UIB offers customizable alerts to notify you instantly of account activity, login attempts, and unusual transactions.
This real-time monitoring gives you control and helps you react quickly to suspicious behavior.
10. Stay Informed with UIB Security Alerts
UIB is committed to keeping customers safe with regular updates on new scams, security practices, and fraud trends.
You can stay protected by:
- Checking the UIB Security Tips page: https://www.uib.bank/resources/online-security-tips
- Reading fraud-related posts on UIB’s website: https://www.uib.bank/resources/the-uib-learning-center
- Contacting the bank whenever something seems suspicious
Cybersecurity is always evolving — and UIB stays ahead so you can bank confidently.
How UIB Protects You
While we encourage strong online habits, UIB also provides enterprise-grade security tools including:
Encrypted digital banking
Multi-factor authentication
Advanced fraud detection
Real-time monitoring
Account lockout protection
Secure login credentials
Automatic session timeouts
Our combination of technology + local support ensures you can trust your banking experience every day.
Final Thoughts
Your identity and financial security are worth protecting — and UIB is here to help. By practicing strong online habits and relying on Utah Independent Bank’s trusted digital safety features, you can bank confidently, securely, and without stress.
For more tips, visit our Online Security Tips page or contact your local branch with questions. We’re always here to support your financial safety.
Disclaimer: The views and opinions expressed in this post do not necessarily reflect the official policy or position of Utah Independent Bank. This post is intended for entertainment and/or informational purposes only and should not be construed as financial advice or an endorsement of any product or service.
