Skip to content

ROUTING # : 251480806  |  Español

How to Create a Secure Password: 4 Must-Know Tips

A man typing on a laptop with a green screen, focused on creating a secure password.

In today’s digital landscape, knowing how to create a secure password is essential. Passwords are the keys to your digital castle—essential for keeping unwanted intruders out. However, with so many accounts to manage, it can be tempting to opt for convenience over security, leading to weak or reused passwords. In a world where cyber threats are ever-present, taking the time to strengthen your passwords is more important than ever. Luckily, you don’t need to be a security expert to safeguard your online accounts. Here are four straightforward tips that will strengthen your passwords and help your accounts remain secure.

Why Secure Passwords Matter

We’ve all been there—staring at the screen, trying to come up with something that’s strong enough to secure our accounts but simple enough to remember. And, of course, it has to be unique for each site because reusing passwords is a big no-no (as much as we'd like to). It’s tempting to take shortcuts, but reusing or oversimplifying passwords puts your sensitive information at serious risk. A password is often the only thing standing between your personal data and cybercriminals. Strong, unique passwords are essential for protecting everything from emails and bank accounts to social media and cloud storage. Think of them as digital gatekeepers—they safeguard your private information and keep it out of the wrong hands.

1. Mix It Up—Don’t Reuse Passwords

Think about it: would you ever give a burglar one key that opens your house, car, and office? Of course not. Passwords are the safeguards to your online accounts—so just like you protect your personal belongings, you need to keep your digital life secure. Even if your accounts seem secure, using the same password everywhere is basically handing out free keys to your digital kingdom. Each account should have its own unique, strong password to keep your information safe—because the more you reuse, the easier it is for cybercriminals to break in. Don’t fall into the trap of convenience—make every password as strong and distinct.

2. Ditch “Obvious” Choices

If you think using “password123” or “123456789” is genius, think again! Hackers cracked that code ages ago. Choosing something easy to guess—like simple number sequences, your birthdate, your pet’s name, or other personal details makes it far easier for attackers to crack your password. Using common or personal information is like locking your front door but leaving the key in plain sight. Instead, make your password unrelated to anything someone could easily find out about you. Check out this list of the most common (and weakest) passwords of the year and make sure yours isn’t putting your accounts at risk!

3. Create Long, Unique, and Complex Passwords

When it comes to protecting your accounts, strong, secure passwords follow three key rules: length, uniqueness, and complexity.

  • Uniqueness – Every account deserves its own password. Reusing the same password or slightly tweaking a base password—like adding a "2" or changing one letter—doesn’t fool hackers. Always create something truly unique for each account.
Tips for creating a secure password, emphasizing complexity and uniqueness for better online security.
  • Complexity – Your unique passwords should include a mix of uppercase letters, lowercase letters, numbers, and special characters (like >, !, or ?). Remember, aim for at least 16 characters whenever possible. Some sites even allow you to use spaces, giving you more options to create a secure and memorable password! Here are two options:
    • Use a random string of mixed-case letters, numbers, and symbols. For example: T9v!L3z#Qm$7dR
    • Create a secure passphrase using a combination of 4 to 7 words with symbols and numbers mixed in. These are easier to remember but still difficult for hackers to guess. For example, M3mb3r$Matter@MyCred1tUni0n!

4. Use a Password Manager

Feel like you need a vault to store all those complex passwords? That’s what a password manager is for! It’s like a digital safe, securely storing each password for you. You only need to remember one master password, and voilà, it handles the rest. There are several free or paid password manger options and according to the National Cybersecurity Alliance, the best password managers should have encryption, multi-factor authentication, and zero knowledge. Plus, many password managers can alert you when a password has potentially become compromised.

Additional Security Doesn’t Hurt

Passwords are essential to securing your online accounts, but why stop there? Adding two-factor authentication (2FA) or multifactor authentication (MFA) adds an extra layer of security. It’s like having a double lock on your digital doors. So even if someone guesses your password, they’ll need that second key (like a code sent to your phone) to access your account.

Don’t be Tricked into Revealing Your Password

Last but not least, remember that even the strongest password won’t protect you if you accidentally hand it over! Be on the lookout for impersonation scams—emails, texts, or calls pretending to be from trusted sources like online entities (eBay, Amazon, or PayPal) or even your “bank” or “credit union” trying to convince you they need your password or other sensitive information. These scams often rely on “social engineering” tricks to appear legitimate and earn your trust but remember, a real financial institution will NEVER ask for passwords, multi-factor authentication codes, or bank account information. Always double-check the sender’s information, be wary of smishing scams. Avoid clicking on links in unexpected messages. When in doubt, go directly to the website or contact customer service to verify any requests.

 

Knowing how to create a secure password isn't complicated—it’s about building strong habits. Make your passwords long, unique, and complex. Use a trusted password manager, enable two-factor authentication, and stay alert for scams.

This World Password Day, take a few minutes to strengthen your passwords and protect your digital life for the long run!

Share This

You May Also Like

Want to learn more?

Discover additional resources and other financial topics by visiting our Financial Education Center.  

Scroll To Top