Phones, tablets, gaming systems, and laptops are part of everyday life for today’s kids. These devices are used for schoolwork, entertainment, and staying connected with friends and family. However, with increased access comes increased risk. Online scammers have been known to target young users through fake apps, phishing messages, gaming platforms, and social media.

At First Financial, we believe protecting your finances also includes protecting your family’s digital life. Here are practical steps parents, guardians, and caregivers can take to help keep children safe online and reduce the risk of scams.

1. Turn On Automatic Updates

Software updates often fix security vulnerabilities that scammers and hackers exploit. If devices aren’t updated regularly, they may be exposed to preventable threats. Make sure automatic updates are enabled for:

• Operating systems (phones, tablets, computers)
• Apps and games
• Web browsers
• Security software

Setting updates to install automatically ensures devices stay protected without relying on yourself or your kids to have to remember to click “update.”

2. Use Strong, Unique Passwords

Weak or reused passwords are one of the most common ways scammers gain access to accounts. Teaching kids how to create strong passwords is a critical life skill. Strong passwords should:

• Be at least 12 characters long.
• Include a mix of upper and lowercase letters, numbers, and symbols.
• Avoid personal details like birthdays, school names, or pet names.
• Be different for each account.

For older children and teens, consider using a password manager to generate and store secure passwords safely.

3. Secure Your Home’s Wi-Fi Network

Your home’s Wi-Fi network connects every device in your household. If not properly secured, outsiders may be able to access it and intercept sensitive information. To strengthen your home’s network:

• Change the default router name and password.
• Use strong encryption settings (WPA2 or WPA3).
• Create a strong, unique Wi-Fi password.
• Disable remote management features if not needed.
• Set-up a separate guest network for visitors.

Taking these steps reduces the risk of unauthorized access to your family’s devices.

4. Set Up Parental Controls

Parental controls are valuable tools for managing screen time, blocking inappropriate content, and preventing unauthorized purchases. Most devices and operating systems include built-in parental control features. These tools can help you:

• Limit access to certain websites or apps.
• Require approval for app downloads.
• Set screen time limits.
• Restrict in-app purchases.
• Monitor activity where appropriate.

The goal here isn’t surveillance, it’s setting boundaries and building safe digital habits.

5. Teach Good Online Habits

Technology tools are important, but conversations are just as critical. Open communication helps children recognize risks and make smart decisions online. Teach kids to:

• Be cautious about clicking on unfamiliar links.
• Ignore messages asking for personal information.
• Avoid sharing passwords, addresses, or financial details.
• Be skeptical of “too good to be true” offers.
• Tell a trusted adult if something feels suspicious.

Encourage your kids to pause before responding to messages that create urgency or fear, which are common tactics used by scammers.

6. Review App Permissions

Many apps request access to cameras, microphones, contacts, or location data. Not all of these permissions are necessary. Before installing apps:

• Review what permissions various apps request.
• Disable unnecessary access to location or contacts.
• Download apps only from official app stores.
• Periodically review and remove unused apps.

Reducing app permissions helps limit how much personal information is shared.

7. Monitor Financial Activity

Even children’s gaming accounts and app stores can be tied to family payment methods. Regularly review your account statements and transaction history to catch unauthorized charges early. Consider:

• Setting spending limits.
• Requiring approval for purchases.
• Using alerts for account activity.
• Monitoring bank and credit card statements closely.

Catching suspicious transactions quickly can help prevent larger financial losses down the road.

Protecting What Matters Most

Online safety isn’t a one-time setup. Scammers are constantly evolving their tactics, especially on platforms that are popular with kids and teens. Protecting your child’s devices requires ongoing attention. By combining strong technical protections with honest conversations and proactive monitoring, you can significantly reduce your family’s exposure to online threats.

First Financial is committed to helping families stay informed and protected, both digitally and financially. If you ever have concerns about suspicious activity or fraud affecting your accounts with us, our team is here to help. Contact us today to learn more about safeguarding your financial information and keeping your family safe from scams. Be sure to also subscribe to our First Scoop blog to get the latest in scams and important alerts delivered right to your inbox.