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• When possible, use your wireless network, not Wi-Fi hot spots. Beware of logging in over an unfamiliar public Wi-Fi network. If you really must use Wi-Fi, first make sure it is secure. Ask questions.

• Use your bank’s app to connect, not a mobile Web browser.

• Log out when finished.

• Beware of bogus text messages claiming to be from your bank.

• Periodically check your phone for unfamiliar apps that could be malware.