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How to safely view your bank and retirement accounts online

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How to safely view your bank and retirement accounts online

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Logging into your bank, retirement or investment accounts is now part of everyday life. Still, for many people, it comes with a knot in the stomach. You hear about hacks, scams and stolen identities and wonder if simply checking your balance could open the door to trouble. That concern landed in our inbox from Mary.

“How do I protect my bank accounts, 401K and non-retirement accounts when I view them online?”

— Mary in Baltimore, Ohio

Mary’s question is a good one, because protecting your money online is not about one magic setting. It comes down to smart habits layered together.

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DATA BREACH EXPOSES 400,000 BANK CUSTOMERS’ INFO

Securing your device with updates and antivirus software is the first step in protecting your financial accounts online. (REUTERS/Andrew Kelly)

Secure your device before logging into financial accounts

Everything begins with the device in your hands. If it isn’t secure, even the strongest password can be exposed. These essentials help lock things down before you ever sign in.

Start with these device security basics:

  • Keep your phone, tablet and computer fully updated with the latest operating system and browser versions
  • Use strong, always-on antivirus protection to block malware and phishing attempts. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.
  • Avoid public Wi-Fi when accessing financial accounts, or use a trusted VPN if you have no other option.  For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices at Cyberguy.com.

Protect your bank and investment account logins

Your login details are the front door to your money. Strengthening them reduces the chance that anyone else can get inside.

Strengthen your account logins by:

  • Using strong, unique passwords for every financial account
  • Avoiding saved passwords on shared or older devices
  • Relying on a password manager to create and store credentials securely. Our No. 1 pick, includes a built-in breach scanner that alerts you if your information appears in known leaks. If you find a match, change any reused passwords immediately and secure those accounts with new, unique credentials.
  • Checking whether your email or passwords have appeared in known data breaches and updating reused passwords immediately. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com.
  • Turning on two-factor authentication (2FA) wherever it’s available

Avoid common online banking scams when logging in

Even well-secured accounts can be compromised through careless access. How you log in matters.

Reduce your risk when accessing financial accounts:

  • Typing website addresses yourself or using saved bookmarks
  • Avoiding login links sent by email or text, even if they look official
  • Checking for “https” and the lock icon before entering credentials
  • Logging out completely after every session, especially on mobile devices

Add extra layers of protection to financial accounts

Strong, unique passwords and two-factor authentication help stop criminals even if one login is exposed. (Photo by Neil Godwin/Future via Getty Images)

DON’T LET AI PHANTOM HACKERS DRAIN YOUR BANK ACCOUNT

Think of these as early warning systems. They help catch problems quickly, before real damage is done.

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Enable financial account alerts and safeguards:

  • Setting up alerts for logins, withdrawals, password changes and new payees
  • Requiring extra confirmation for large or unusual transactions
  • Freezing your credit with the major credit bureaus to block new accounts opened in your name. To learn more about how to do this, go to Cyberguy.com and search “How to freeze your credit.” 

Protect your identity beyond your bank accounts

Your financial accounts are only part of the picture. Identity protection helps stop problems before they ever reach your bank.

Go beyond basic banking security:

  • Monitoring for identity theft involving your Social Security number, phone number and email
  • Using an identity protection service that alerts you if your data appears on the dark web or is used fraudulently. See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com
  • Removing your personal information from data broker websites that buy and sell consumer data. A data removal service reduces risk before identity theft happens. Check out my top picks for data removal services, and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Review bank and credit statements for early warning signs

Review your bank, credit card and investment statements regularly, even when nothing looks suspicious. Small red flags often appear long before major losses.

Everyday security habits that prevent financial scams

Many successful scams rely on pressure and trust, not advanced technology. Good habits close those gaps.

Practice smart daily security habits:

  • Never allow anyone to log into your accounts remotely, even if they claim to be from your bank
  • Avoid storing photos of IDs, Social Security cards, or account numbers on your phone or email
  • Stop immediately if something feels off, and contact the institution directly using a verified phone number

Logging in the right way, by typing web addresses yourself and avoiding suspicious links, reduces phishing risks.   (Martin Bertrand / Hans Lucas / AFP via Getty Images)

Kurt’s key takeaways

Checking your bank or retirement accounts online should feel routine, not risky. With updated devices, strong logins, careful access and smart habits, you can keep control of your money without giving up convenience. Security is not about fear. It is about staying one step ahead.

Have you ever clicked a financial alert and wondered afterward if it was real or a scam? Let us know your thoughts by writing to us at Cyberguy.com

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Nothing cancels this year’s CMF phone due to RAM prices

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Nothing cancels this year’s CMF phone due to RAM prices

Nothing’s next budget phone is the latest victim of RAMageddon. As 9to5Google reports, Nothing co-founder Akis Evangelidis announced in a post on X that a follow-up to the CMF Phone 2 Pro won’t be coming this year:

We were working on a successor but with memory prices where they are right now, we can’t build a phone that feels like a genuine step forward at a price that makes sense for CMF. As a result, we’ve decided not to launch a new CMF phone this year.

Last week, Nothing CEO and co-founder Carl Pei also said the RAM shortage has impacted the cost of the company’s mid-range phone, stating, “For Phone 4A, memory costs doubled between when we decided to build the device and when it launched. They’ve doubled again since.” According to Pei, “memory is now the most expensive component in a smartphone.” Nothing is far from the only company facing RAM pricing challenges — earlier this week, Tim Cook announced Apple will be raising prices, saying “the situation has become unsustainable.”

While there won’t be a new CMF phone this year, Evangelidis added in his post that CMF still has “several new products launching as well as some entirely new categories.” He also hinted that “the smartphone launch season at Nothing isn’t over yet.”

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China’s brain chip breakthrough raises big questions

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China’s brain chip breakthrough raises big questions

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A coin-sized brain chip in China could help people with paralysis control devices using their thoughts. China has approved a brain-computer interface called NEO for commercial medical use in certain patients with paralysis caused by spinal cord injuries. That moves brain-chip technology out of research trials and closer to real-world medical care.

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Developed by researchers at Tsinghua University and Shanghai-based Neuracle Technology, NEO sits under the skull but rests on the brain’s protective outer layer rather than piercing deep into brain tissue. That design could make it less invasive than some competing implants.

For patients who have lost movement, this kind of technology could be life-changing. It could help restore a level of independence that once felt out of reach. But here’s where we need to slow down a bit. If a brain chip can turn your brain signals into digital commands, we need to ask who controls that data and how well it is protected.

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BRAIN IMPLANT ENABLES ALS PATIENT TO COMMUNICATE USING AI

China’s NEO brain implant could help some paralysis patients control devices, like prosthetic hands, with their thoughts while raising concerns over brain data privacy. (Tsinghua University)

What is China’s NEO brain chip?

NEO is a brain-computer interface, often called a BCI. These systems read brain activity and translate it into commands for an external device. In this case, the implant uses sensors placed near the brain’s motor-control area. Those signals can help a patient operate equipment such as a robotic glove or computer interface.

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What makes NEO especially notable is its placement. Brain-computer interfaces can be designed in different ways, and some go deeper into the brain than others. The company most people know in this space is Neuralink, the brain-chip startup co-founded by Elon Musk. Its implant uses tiny threads that enter the brain’s cortex. NEO takes a less invasive approach by placing electrodes on the dura mater, which is the protective membrane around the brain.

That design matters because every brain implant carries medical risk. Surgery can cause bleeding, swelling, infection or tissue damage. Even a small complication in the wrong part of the brain can affect speech or movement.

China’s approval does not mean brain chips are suddenly available for anyone who wants one. This remains a medical device for a narrow group of patients. Right now, the focus centers on helping people with severe paralysis regain some digital or assisted movement control.

Why China’s brain chip breakthrough matters

The medical upside here is hard to deny. More than three billion people worldwide live with neurological conditions, according to the World Health Organization. That includes people dealing with stroke, epilepsy, Parkinson’s disease, spinal cord injuries and other serious conditions.

For someone who has spent years unable to move freely or communicate easily, even a small amount of restored control could feel enormous. That is why brain-computer interfaces are getting so much attention. They could give some patients a new way to interact with the world around them.

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Neuralink has already shown what that can look like in real life. Audrey Crews, a Neuralink trial participant who has been paralyzed for years, publicly shared that she wrote her name using the implant by controlling her computer.

ELON MUSK SHARES PLAN TO MASS-PRODUCE BRAIN IMPLANTS FOR PARALYSIS, NEUROLOGICAL DISEASE

How China’s brain chip compares with Neuralink

Elon Musk’s Neuralink has attracted most of the public attention in the U.S. brain-chip race. Musk has talked openly about restoring movement, helping people communicate and one day addressing vision loss.

Neuralink received approval to begin human trials, and more than 20 people have reportedly received its implant through testing. However, it has not received broad FDA approval for general commercial use.

China’s NEO approval puts a different kind of pressure on the field. It shows that China wants to move brain-computer interface technology into its health system and build a major industry around it.

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This also fits a larger pattern. China has made BCI development part of its strategic technology push. The country wants breakthroughs by 2027 and a globally competitive brain-computer interface industry by 2030.

The coin-sized NEO brain chip rests on the brain’s protective outer layer, making it less invasive than implants that pierce brain tissue. (Tsinghua University)

Why brain chip privacy is such a big concern

We already worry about phones listening, apps tracking location and smart TVs collecting viewing habits. Brain-computer interfaces take that concern to another level.

A BCI collects signals from the nervous system. Today, that may mean decoding movement intent, such as whether a patient wants to move a cursor left or right. But as the technology improves, the data could become more sensitive.

That raises some big questions. Who owns the brain data? Can it be sold, shared or used to train AI systems? Could an insurer, employer or government ever demand access? What happens if a company changes its privacy policy after the implant becomes part of someone’s daily life?

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Those questions sound dramatic until you remember how many connected devices began as conveniences and turned into data pipelines.

A brain chip designed for medical help should not become another ad platform, another surveillance tool or another database waiting to be breached.

YOUR HEALTH DATA IS BEING SOLD WITHOUT YOUR CONSENT

Could hackers target brain-computer interfaces?

This is where the whole brain-chip conversation gets very serious. Any device that connects to a computer raises security questions. A brain-computer interface raises even bigger ones because it deals with signals from your body and, in some cases, the devices that help you move or communicate.

The concern here is someone getting access to neural data, device settings or the commands moving between the implant and outside equipment. Think about that for a second. If a brain chip helps someone control a robotic hand, a wheelchair or a communication device, a security failure could affect far more than privacy. It could affect that person’s independence and safety. That to me is scary.

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Companies building these devices need to treat cybersecurity like part of the surgery, not some software update they figure out later. Encryption, strict access controls, medical-grade testing and clear update policies should be baked in from day one.

And because a brain implant may stay inside a person’s body for years, long-term support has to be part of the deal. No one should end up with an outdated implant in their head because a company moved on to the next big product launch.

What China’s brain chip means to you

For now, this technology is geared toward patients with serious medical needs. So, no, most of us are not lining up for a brain chip anytime soon. But this should still get your attention.

We already give up a lot of personal data through our phones, watches, cars and smart home devices. A brain implant takes that to a whole different level because the data comes from inside the body. That is about as personal as it gets.

Before this technology moves beyond hospitals and medical trials, patients need plain answers before they agree to anything. They should know who can access the data, how long it gets stored, whether it can be shared and whether it can help train AI systems.

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The medical potential here is incredible. Helping someone regain control or communicate again could change a life. But the privacy protections need to be just as strong as the technology itself.

NEURALINK BRAIN IMPLANT HELPS ARIZONA MAN REGAIN CONTROL OF HIS LIFE

Brain-computer interfaces, like Neuralink, pictured here, could restore independence for some patients, but experts say neural data needs strong privacy and cybersecurity protections. (Neuralink)

Watch the CyberGuy Live replay: Lock Down Your Phone in 30 Minutes

Your phone holds your email, passwords, photos, banking apps and personal data. In this free CyberGuy Live replay, Kurt the CyberGuy walks you step by step through simple phone security fixes you can do at your own pace. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Watch the replay and get our checklist here: CyberGuyLive.com

Kurt’s key takeaways

China’s NEO brain chip could be a huge step forward for people living with paralysis. If this technology helps someone regain control or communicate again, that is powerful. But I also think we need to be very careful here. Once a device connects your brain signals to outside technology, the privacy stakes change fast. We are talking about data tied to your nervous system. That to me is the line we need to watch closely. Brain chips could do incredible good. But companies and governments need clear limits before this technology moves any further into everyday life. The promise is real. So are the risks. And when the data comes from inside your own head, “trust us” will never be enough.

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Would you ever consider a brain implant if it could restore movement or communication, or does the privacy risk feel too personal to accept? Let us know by writing to us at CyberGuy.com.

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  • Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox.
  • For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com trusted by millions who watch CyberGuy on TV daily.
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Copyright 2026 CyberGuy.com. All rights reserved.

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NASA selects Eric Schmidt’s rocket company for a 2028 mission to Mars

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NASA selects Eric Schmidt’s rocket company for a 2028 mission to Mars

Relativity Space, the rocket company led by former Google executive Eric Schmidt, was picked to launch NASA’s Aeolus payload to Mars in 2028, as reported earlier by TechCrunch. Under a new public-private partnership, Relativity Space will provide the “spacecraft, rocket, and cruise operations” to fly Aeolus to Mars, where the payload will “provide the first integrated, daily, global view of Martian winds, temperatures, dust, and clouds.”

The Aeolus payload will have four instruments on board for studying the Martian atmosphere, which NASA says will “directly inform entry, descent, and landing systems and support safer, more predictable mission planning for astronauts.”

Schmidt, who served as CEO of Google from 2001 to 2011, became Relativity Space’s CEO in 2025, a couple of years after it launched the “world’s first 3D-printed rocket,” Terran 1, which failed shortly after launch. Relativity Space’s larger Terran R rocket isn’t scheduled to have its first launch until later this year.

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