Online User ID and Password. Your sign on credentials are exclusively for accessing your accounts online--don't share them with anyone. Change your Password periodically and remember: No one from Citibank will ever need to ask you for your PIN and Password when servicing your account. To change it, sign on and go to the Account Profile menu and select Edit Account Preferences.
Create a hard-to-guess password and make it unique--it should not be the same as the one you use to access your e-mail account.
Keep your browser and operating system up to date. New versions and updates often include important security enhancements and can be downloaded--usually for free--on the vendor's web site. Some vendor sites even scan your computer (with your permission) to see if the software on your computer needs to be upgraded.
Update your anti-virus software regularly. Anti-virus software needs frequent updates to guard against new viruses, so be sure to download updates as soon as they're available. Some anti-virus software will even check for virus updates whenever you connect to the Internet.
Use a personal firewall. Many internet service providers (ISPs) offer this feature, which protects your home computer against unauthorized access by hackers.