South Carolina State Credit Union

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Mobile Device Security

Tips for protecting and securing your information on a mobile device.

Important note for members using the MySCU Mobile Banking App: our mobile app allows users the ability to save their username to the device for future logon efficiency.  While the username is partially masked, please be aware there is a risk associated with storing login credentials on a mobile device. Selecting the option to save the username in the MySCU Mobile Banking app indicates you understand and accept this risk.

Lock the device. Set and use a 4-digit passcode or long password (best) to unlock the device. If your device supports fingerprint recognition, enable and setup this feature as well.

Set a screen timeout.
This will make the device lock again after a certain period of inactivity.

Encrypt the device.
With encryption, information on your device is "hidden" from passing traffic.

Use only approved apps and ensure you read the app's permissions.
Only download and install apps from the Amazon, Google Play or Apple iTunes stores and read the permissions before installing.

Disable any apps or options not in use.
Disable any apps you don't use to reduce potential entry points. Read and pay attention to the app's requested permissions for each app you download.

Accept and install patches and updates.
When notified, download and apply system updates as soon as possible.

Don't jailbreak your phone.
And don't let anyone else jailbreak your phone. The built-in security is there for a reason.

Install an anti-virus application.
Anti-virus is not an "end-all, be-all" security solution, but it does add another layer of security.

Back-up your data.
Most providers provide a method to back-up your data.

Don't click links in text or email, if possible.
Be very aware of smishing (text) and phishing (email) attacks and don't click links unless you are absolutely, positively, 100% sure the sender is trustworthy and send you the text or email.

Be careful using public or open WiFi connections.
Don't view or share personal information over a public WiFi network connection, especially financial information.

Lost or stolen?
If your device is lost or stolen, call your carrier immediately to deactivate your phone and have the data wiped remotely. Additionally, log onto SCU Online from a computer or laptop and change your password, remove the phone number from passcode delivery (under My Settings | Update Security Options), and deactivate the phone from receiving alerts and Text Banking (under Account Services | Mobile Banking & Alerts, click deactivate at the top of the screen). Remember that a thief would need your username and password to access the mobile app and your accounts.

If you have any questions, please contact your provider who can guide you through setting these security features.


The most helpful tip is to change your mindset: In the past we've thought of these devices, specifically smartphones, as phones that can surf the web and check email. We need to change our thinking to the reality: these are mini-computers that are capable of making phone calls. With that mindset, we will begin to protect and secure them as we should.

Mobile Security FAQ