Keep your password to yourself

Beware of fake social media accounts and emails. Some impersonators are masters of illusion, to say the least. A solid rule of thumb: Never give your personal information, username or password to an email or text request that you didn’t initiate.

If you’re a Chime member, Chime will never ask you for your username and password. (This is generally true for any financial app.) If you’re signed up for two-factor authentication, never give your 6-digit code (aka MFA code) that’s texted to you to anyone over the phone, via text message, social media, or email. If you received an MFA code you did not request, report it to Chime.