Hi, I'm Dennis Howard.
We believe that security is a partnership between us and our clients. We do a lot to protect your account, but there are some basic steps you can take to keep your information secure. Some are obvious, like simply checking your monthly statements to make sure the account activity that's reported is legitimate. You might be surprised at how many people don't do this.
We recommend you do some other things as well. Keep your computer up to date. Keep your web browser and operating system updated and activate the computer firewall. Old software and browsers can be susceptible to attack. Install anti-virus and anti-spyware software on all platforms: Windows, Apple and mobile devices. Check your security settings on applications and web browsers and make sure they are strong. Never allow your browser to store your passwords. Verify you're on a secure website. When you login to a Schwab website, check the address bar for site validity. A green bar shows that you're on the authentic Schwab site. Only download Schwab apps from the Google Play store or Apple's app store. Be cautious when you're not using your own equipment or Wi-Fi connection. If you use any public computer, clear the browser's history and cookies before leaving. Only use wireless networks you trust or that are protected. Public Wi-Fi locations can be dangerous places to connect your devices. Pay attention to security warnings that pop up and never accept software updates when connected to a public Wi-Fi.
When it comes to your login credentials and passwords, be strategic. Don't use personal information such as birthday or social security number as part of your login ID. It's important to create a unique password for each financial institution you do business with and change it every 6 months. And don't share your passwords. Consider activating voice ID or adding verbal password to Schwab account for an extra layer of security when you call us. You can also consider using a one-time, changing numeric passcode that can make every login at Schwab even more secure. This is what's known as a two-factor or multi-factor authentication. We now offer soft-token delivery via mobile app, giving you the ability to use your smart phone to login. Just call us and we can enroll you in a soft mobile token.
Be aware of phishing scams. These are often in the form of an urgent-sounding email where you might be encouraged to click on a link in order to update personal information. Clicking on a link could potentially take you to a malicious website where malware can infect your computer. We provide multiple ways to verify that an email has come from Schwab. If you're ever in doubt about the authenticity of an email, just give us a call. Finally, make sure your contact information is up-to-date. In the coming months and years you'll see Schwab provide new ways of securing your transactions. And it's important that we have a way to get in touch with you quickly and efficiently.
To check your current contact information, visit schwab.com/myprofile. For more information on protecting yourself, visit onguardonline.gov. If you ever suspect fraud, call us anytime, 24 hours a day, 7 days a week. Thank you.