06-24-2014 08:14 AM
According to a report by the nonprofit Pew Research Center, a majority of Americans are now banking online. That's good for banking customers who like convenience — but also for identity thieves, who now have more potential targets than before.
While virus and malware protection is vital for anyone who’s online, having an extra dose of protection is particularly important for people who access their bank, credit card, investment or insurance accounts online. USAA is now making that protection available, for free.
USAA Offers Free Protection
Trusteer Rapport is software that helps protect the personal and financial information of users who are conducting online financial transactions. USAA has made it available to all members as a free download from usaa.com. The software is available for PC or Mac, and members will get free updates.
Trusteer Rapport, available to all USAA members for free, knows what hackers do when they're trying to get your password or get your identity. It identifies when there is hostile software on a member's computer and either neutralizes it or removes it.
Trusteer Rapport works with a user’s existing anti-virus programs to help safeguard information in financial transactions. It is most effective when a user is visiting a site that is also protected by Trusteer Rapport, but it gives consumers extra protection from specific threats even if the site doesn't participate.
Though USAA's site is thoroughly protected, members can still spread viruses or risk having personal and financial information taken if they don't take precautions themselves. Members' computers are their own responsibility, and failing to use proper virus protection and other safeguards could put them at risk of identity theft.
What's at stake
In the U.S., about 7 percent of individuals age 16 or older were victims of some form of identity theft in 2012, according to the most recent statistics from the U.S. Justice Department’s Bureau of Justice Statistics. That's nearly 17 million people.
The total loss: $24.7 billion, in excess of $10 billion more than the losses of every other property crime.
The Justice Department said about two-thirds of victims had no idea how the perpetrators obtained their personal information.
Members can download Trusteer Rapport from usaa.com.
Use of the term “member” or “membership” does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Ownership rights are limited to eligible policyholders of United Services Automobile Association.
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