Technology
Using VPNs without messing up your banking apps
Using a virtual private network (VPN) can significantly enhance your online security, especially when accessing sensitive information like banking apps. However, it can also lead to complications, such as being blocked from accessing your bank’s services.
Melissa from Dallas wrote to us asking, “How can I use a VPN without getting locked out of my banking app? It’s very frustrating, and I worry about my security when I have to turn off the VPN. Are there any specific tips to ensure I stay both secure and connected?”
Melissa, we totally understand how that can be aggravating. We’ll guide you through the steps to use VPNs effectively while ensuring your banking activities remain secure and accessible.
GET SECURITY ALERTS, EXPERT TIPS – SIGN UP FOR KURT’S NEWSLETTER – THE CYBERGUY REPORT HERE
A woman logging onto her VPN on her laptop (Kurt “CyberGuy” Knutsson)
What is a VPN?
A VPN encrypts your internet traffic and reroutes it through a server in a different location than your own. VPNs make it appear that you are connecting to the internet from whichever location the server is hosted in rather than your actual location.
When you first connect to a network using a VPN, your device will establish a secure connection with the VPN server and your device’s IP address will appear as the VPN server, meaning that only your internet service provider will see that you’re connecting to a VPN server. Normally, when you connect to a website, the website or any online services you visit can see your device’s technical information, including location-sensitive data such as IP addresses.
A VPN on a laptop (Kurt “CyberGuy” Knutsson)
BEST VPNs FOR BROWSING WEB IN 2024
Understanding VPNs and their benefits
A VPN creates a secure tunnel between your device and the internet, encrypting your data to protect it from prying eyes. The three key benefits of using a VPN for online banking include:
1) Enhanced security: Encrypts your connection, making it difficult for hackers to intercept sensitive information.
2) Privacy protection: Masks your IP address, helping you maintain anonymity while browsing.
3) Access to geo-restricted content: Allows you to access banking services when traveling abroad.
Illustration of how you can use a VPN worldwide (Kurt “CyberGuy” Knutsson)
HOW VPNs SHIELD YOUR IDENTITY, SECURE YOUR FINANCIAL TRANSACTIONS FROM THEFT
Steps to use a VPN safely with banking apps
1) Choose the right VPN
Select a reputable VPN service that prioritizes security and privacy. Look for features such as:
- Military-grade encryption (256-bit AES)
- No-logs policy to ensure your activities are not tracked.
- Kill-switch functionality to prevent data leaks if the VPN connection drops.
- Servers in your home country to avoid triggering alerts from your bank
2) Install the VPN software
Download and install the VPN application on your device. Most VPN services offer user-friendly interfaces compatible with various operating systems, including Windows, macOS, Android and iOS.
3) Connect to a server
Before accessing your banking app:
- Launch the VPN application.
- Connect to a server located in your home country. This helps prevent your bank from flagging your access as suspicious.
4) Log into your banking app
Once connected:
- Open your banking app or website.
- Log in as you normally would. If you encounter issues, consider clearing browser cookies or switching servers within the VPN.
5) Monitor for any issues
If you experience difficulties logging in:
- Disable the VPN temporarily and try accessing the app again.
- Change the VPN city/location to match the city where you live or are currently located.
- When traveling, be sure to change the VPN to the city where you live to avoid issues.
- Contact customer support for both your bank and the VPN provider if problems persist.
A woman logging onto her VPN on her tablet (Kurt “CyberGuy” Knutsson)
CAN YOU BE TRACKED WHEN USING A VPN?
What to do when your VPN gets blocked by your bank
Now, some websites, especially banking sites, might get a little suspicious when they see you’re using a VPN. They might even block you out. So, what do you do if your bank’s website won’t let you in with your VPN on? Don’t panic. Here are a few quick fixes:
- Try contacting your bank’s customer support. They might have a solution or be able to white-list your VPN, which basically means allowing your connection to bypass security blocks.
- Change the VPN city/location to match the city where you live or are currently located.
- If all else fails, you can always temporarily disable your VPN when accessing your banking app. Just remember to turn it back on when you’re done.
Now, you might be wondering, “Is it safe to turn off my VPN for banking?” Well, as long as you’re on a secure, private network (not public Wi-Fi), you should be OK. Just make sure to enable it again as soon as you’re done. Remember, while VPNs can sometimes be a bit of a hassle, the privacy and security they provide are totally worth it.
Choosing the right VPN for banking security and safety tips
Securing your financial information with reliable VPN services and following these practical safety tips are important.
1) Choose a reliable VPN: Select a reputable VPN service with strong encryption protocols. 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.
2) Always use VPN on public Wi-Fi: Never access financial accounts on public networks without activating your VPN first.
3) Enable two-factor authentication (2FA): Add an extra layer of security to your accounts by enabling 2FA.
4) Use strong, unique passwords: Create complex passwords for each of your accounts and consider using a password manager. Consider using a password manager to generate and store complex passwords.
5) Regularly monitor your accounts: Check your retirement accounts frequently for any suspicious activity. 6) Keep software updated: Ensure your devices and apps are always up to date with the latest security patches.
7) Be wary of phishing attempts: Don’t click on suspicious links or provide personal information in response to unsolicited emails. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.
Pro tip: Use split tunneling: This feature allows you to route only specific traffic through the VPN while keeping other traffic on a regular connection. It can be beneficial for banking apps while allowing general browsing without interference.
HOW TO REMOVE YOUR PRIVATE DATA FROM THE INTERNET
Using a VPN can significantly enhance your online banking security by encrypting sensitive data and providing privacy protection. However, it’s essential to choose a reliable service and connect appropriately to avoid access issues with banking apps. By following the outlined steps and tips, you can enjoy the benefits of a VPN without compromising your ability to manage your finances securely. Always stay vigilant about potential security threats and maintain good online habits for optimal safety while banking online. Are there any misconceptions about VPNs and online banking that you’d like clarified? Let us know by writing us at Cyberguy.com/Contact.
For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.
Ask Kurt a question or let us know what stories you’d like us to cover.
Follow Kurt on his social channels:
Answers to the most asked CyberGuy questions: New from Kurt:
Copyright 2024 CyberGuy.com. All rights reserved.
Kurt’s key takeaways
Technology
Nothing couldn’t wait to show off the Phone 4A
After teasing the upcoming launch of its midrange Phone 4A last week, Nothing has now revealed what the rear of the device looks like. An official render of the Phone 4A shared on X shows off the brand’s familiar transparent-industrial stylings, alongside a new “Glyph Bar” lighting feature located to the right of the triple camera island.
This Glyph Bar features nine individually controllable mini-LEDs that appear as a line of seven square lights — six white, and one red — replacing the three LED light strips that surround the camera on Nothing’s 3A devices. Nothing says that the Glyph Bar is 40 percent brighter than the previous A-series’ lights and uses patented tech to provide “a more natural, neutral, bleed-free glow.”
Nothing hasn’t shared much else about the Phone 4A series besides confirming it’ll be running a Snapdragon chip. Full specifications, price, and availability might not be announced until it launches on March 5th. Nothing CEO Carl Pei has confirmed that there won’t be a Phone 4 this year, however, so last year’s Phone 3 will remain the current flagship for now.
Technology
AI dating cafes are now a real thing
NEWYou can now listen to Fox News articles!
Dating has changed a lot over the past decade. First, we moved from meeting people in person to swiping on apps. Now, some people are skipping human partners altogether and dating AI. That shift became very real at a recent pop-up event in Hell’s Kitchen in New York, where EvaAI, an AI companion app, hosted what it called a dating cafe. Guests arrived solo and brought their virtual partners with them.
Instead of someone sitting across the table, many had a phone or tablet propped up between the candles. They slipped on headphones, smiled at their screens and carried on full conversations with digital companions. It looked like a normal date night. It just happened to include artificial intelligence.
Sign up for my FREE CyberGuy Report Get my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter.
AI COMPANIONS ARE RESHAPING TEEN EMOTIONAL BONDS
A New York wine bar in Hell’s Kitchen transforms into EVA AI Cafe, what the company calls the world’s first AI dating cafe, complete with neon signage and candlelit tables. (EvaAI)
EvaAI takes AI relationships into the real world
EvaAI organized the event to give users a chance to take their AI companion out on a real date. The app allows people to create customizable AI partners for text and video chat. For one evening, those private conversations moved into a public setting. Guests set up their devices on stands and began chatting with their AI partners as drinks were poured and music played. Some described their companions as friends. Others framed the relationship as romantic, often involving roleplay or fantasy scenarios.
Company representatives said the goal was to reduce stigma around AI companion relationships. They emphasized that the app is not designed to replace human partners. Instead, they position it as support for people who feel lonely or who want a low-pressure way to build confidence. Still, seeing rows of candlelit tables with screens instead of people makes the shift feel tangible.
What is an AI companion relationship?
An AI companion relationship happens when someone forms an emotional or romantic bond with a chatbot designed to simulate personality and conversation.
On platforms like EvaAI, users can:
- Swipe through AI characters
- Customize appearance and personality
- Text or video chat anytime
- Create romantic or fantasy scenarios
You control the interaction. You decide when it starts and when it ends. You shape the personality to fit what you want. For many people, that control feels safe. There is no fear of rejection. No pressure to impress. No awkward silence unless you want one. If you have ever felt burned out by dating apps, you can probably understand the appeal.
Why are more people turning to AI for romance?
Modern dating can feel exhausting. You swipe, match and message. Then conversations disappear. AI cuts out a lot of the drama. There is no ghosting. No mixed signals. No waiting hours to reply, so you do not seem too eager. Instead, you get immediate engagement. For people who struggle with anxiety or who do not have many daily interactions, that can feel comforting. Some users say AI helps them practice conversation before dating real people. Others say it fills a social gap during lonely periods.
Younger generations are also growing up with AI integrated into daily life. Talking to a chatbot no longer feels unusual. Adding emotional connection may feel like the next step. Surveys show a noticeable percentage of adults have experimented with AI in a romantic or intimate way. Among teens, the numbers are even higher.
The benefits and the tradeoffs of AI relationships
AI companion relationships come with real upsides. For example, they can reduce loneliness and provide emotional reassurance. In many cases, they also help people rehearse difficult conversations before having them in real life. As a result, some users say they feel more confident and socially prepared.
However, there are clear tradeoffs. Unlike AI, real relationships require compromise, unpredictability and emotional growth. While a digital partner adapts to your preferences, a human partner may challenge you in unexpected ways. In contrast, AI typically responds the way you prefer and rarely pushes back unless designed to do so.
Moya’s humanlike appearance is intentional, from her warm skin to subtle facial details designed to feel familiar rather than mechanical. (DroidUp)
Over time, spending several hours a day in digital intimacy may shift expectations about real-world connections. At the New York event, some attendees admitted they feel more comfortable interacting with their AI companion at home rather than in crowded spaces. Because the app offers a high level of control, it can feel safer than face-to-face interaction. On one hand, that comfort can build confidence. On the other hand, it may reinforce isolation. Ultimately, the outcome depends on how intentionally the technology is used.
TEENS TURNING TO AI FOR LOVE AND COMFORT
Are AI companion relationships a passing trend or the future?
It is easy to dismiss an AI dating cafe as a quirky tech stunt. Then again, meeting someone through a dating app once felt strange, too. Technology keeps advancing. Video syncing looks smoother. Voices sound more natural. Conversations feel more responsive.
As AI becomes more lifelike, emotional attachment may deepen. EvaAI’s leadership has made clear that they do not view the app as a substitute for human relationships. They describe it as support during periods without a partner or as practice for real-world dating. Whether users maintain that boundary over time remains an open question.
Take my quiz: How safe is your online security?
Think your devices and data are truly protected? Take this quick quiz to see where your digital habits stand. From passwords to Wi-Fi settings, you’ll get a personalized breakdown of what you’re doing right and what needs improvement. Take my Quiz here: Cyberguy.com
Kurt’s key takeaways
If you had told someone ten years ago that people would bring a chatbot to a wine bar for date night, they probably would have laughed. Now it is happening, and not quietly. The AI dating cafe in New York highlighted something very human. People want connection. When dating feels exhausting, awkward or intimidating, they look for something that feels safer and easier to manage.
For some, AI companion relationships may serve as practice. For others, they may become a primary source of emotional support. The technology will keep improving. The bigger question is how we choose to use it. We once debated whether meeting someone online counted as “real.” AI may follow a similar path, or it may remain a niche comfort for a certain group of people.
Instead of someone sitting across the table, diners video chat with customizable AI partners, blending virtual romance with a real world setting. (iStock)
If an AI companion helps someone feel less lonely and more confident, does it really matter that the connection is digital, or is the lack of a human on the other side a line you would never cross? Let us know by writing to us at Cyberguy.com.
CLICK HERE TO DOWNLOAD THE FOX NEWS APP
Sign up for my FREE CyberGuy Report: Get my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter.
Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Samsung is adding Perplexity to Galaxy AI
In addition to summoning Bixby or Gemini, Galaxy S26 users will be able to call on Perplexity by saying “hey, Plex.” The integration of Perplexity into Galaxy AI is just one element of the company’s embrace of a “multi-agent ecosystem.”
Often, people will use different AI agents for different tasks, depending on where their strengths lie. So Samsung is opening up the ability to integrate different agents into the OS. Hey, Plex isn’t just some transparent version of the app baked into a Galaxy phone to quickly get answers to questions. Perplexity will have access to Samsung Notes, Clock, Gallery, Reminder, and Calendar, as well as select third-party apps, though which ones specifically Samsung didn’t say.
Samsung seems to believe that people will increasingly use AI to interact with their phones. But, as we’ve learned, people can develop strong attachments to particular AIs. So the company is betting that giving people the freedom to put whatever agent they want at the heart of their phone will help differentiate them from competition like Apple and Google.
Of course, Samsung’s next Unpacked event is just around the corner. I’m sure we’ll hear more about Galaxy AI and Samsung’s vision for a multi-agent future on the 25th.
-
Montana3 days ago2026 MHSA Montana Wrestling State Championship Brackets And Results – FloWrestling
-
Oklahoma5 days agoWildfires rage in Oklahoma as thousands urged to evacuate a small city
-
Culture1 week agoVideo: How Much Do You Know About Romance Books?
-
Science1 week agoWhat a Speech Reveals About Trump’s Plans for Nuclear Weapons
-
Politics1 week agoSchumer’s ‘E. coli’ burger photo resurfaces after another Dem’s grilling skills get torched: ‘What is that?’
-
Technology2 days agoYouTube TV billing scam emails are hitting inboxes
-
Technology1 week agoThe DJI Romo robovac had security so poor, this man remotely accessed thousands of them
-
Science1 week agoNotoriously hazardous South L.A. oil wells finally plugged after decades of community pressure