Firewalls, virus protection software, network intrusion detection systems and encryption are just some of the ways the credit union protects your account information from unauthorized access. But how you protect your personal computer is just as important.

Anti-virus software. A virus is a computer program that replicates itself and can harm other programs and files on your computer. Anti-virus software is designed to protect your computer against known viruses. There are many anti-virus software programs available. Keep in mind that with new viruses emerging daily, the program needs regular updates to recognize and prevent new viruses from infecting your computer.

Firewall. A firewall is a barrier that protects your computer from unauthorized access when you are connected to the Internet. If you don't have a firewall installed on your computer, you should do so soon for your own protection.

Spam. Spam is unwanted and unsolicited e-mail. You didn't ask for it, but there it is. Some Internet service providers have filters built into their e-mail programs to catch the spam before it reaches your e-mail inbox. Check with your provider to see if they offer this service.

If you receive a spam e-mail, don't respond. Responding or clicking the "unsubscribe" link simply verifies your e-mail address so the sender can continue sending spam. Delete the spam and consider using a filter.

Spyware. Spyware is a program installed on your computer, without your knowledge, that is used to "spy" on you as you navigate the Internet. The spyware tracks your web site visits and then sends you advertisements it thinks may appeal to you. Some spyware may even capture user ID and password information you provide when accessing accounts or placing online orders.