In the last decade cyber-frauds have arisen using increasingly sophisticated technologies….all aimed at separating you from your money. Here are a few tips for keeping your private information secure. Remember that your financial institution will not send emails asking for your personal information-they already have it. Be careful responding to “urgent” text messages, especially one from your financial institution…call and ask before responding. Protect yourself by reducing your risk at ATMs. Use machines from institutions you know and trust. If you notice a change at an ATM you use routinely, such as a color difference in the card reader or a gap where something appears to be glued onto the slot where you insert your card, that’s a warning sign to find another machine. Up-to date security software on your home computer is the best defense.