Safe Use of Artificial Intelligence: A Guide to Protecting Yourself

Artificial intelligence (AI) is becoming a bigger part of everyday life. From writing emails and answering questions to planning trips and shopping online, AI tools can make everyday tasks easier. However, like any technology, AI comes with risks.

One of the biggest concerns is how much personal information people share with AI tools without realizing where that information may go or how it could be used.

The good news? A few simple habits can help you enjoy the benefits of AI while protecting your personal and financial information.

Think Before You Type

Cartoon drawing of man using technology to steal financial information.

Treat an AI tool like any other online service. Before entering information, ask yourself: Would I feel comfortable sharing this with someone I don't know?

Avoid entering sensitive information such as:

  • Social Security numbers

  • Account or debit card numbers

  • Passwords or security codes

  • Online banking login information

  • Tax or financial documents

  • Medical records or copies of identification

  • Private information about yourself or someone else

If you wouldn't feel comfortable sharing something publicly, don't enter it into an AI chatbot.

Don't Assume Every Answer Is Correct

AI can provide answers that sound convincing but aren't necessarily accurate. It may misunderstand a question, leave out important details, or present outdated information as fact.

This is especially important when researching financial, legal, medical, or tax-related topics.

Think of AI as a starting point, not the final answer. Verify important information through trusted sources, such as your financial institution, a government agency, or a qualified professional.

Be Skeptical of AI-Generated Messages

Scammers are using AI to create convincing emails, text messages, phone calls, images, and even voices. A message may look professional or sound like someone you trust, but that doesn't mean it's legitimate.

Watch for messages that:

  • Create a sense of urgency or panic.

  • Ask for money, passwords, or security codes.

  • Tell you to move money to keep it safe.

  • Include unexpected links or attachments.

  • Ask you to keep a transaction secret.

  • Sound like someone you know but seem unusual or out of character.

If something doesn't feel right, don't respond or click any links. Contact the person or organization directly using contact information you already know is legitimate.

Don't Let AI Make Financial Decisions for You

AI can be helpful when researching financial topics, but it shouldn't replace your own judgment or guidance from a trusted financial professional.

Be especially cautious with investment recommendations, cryptocurrency opportunities, loan offers, tax advice, and promises of guaranteed returns. Scammers can also use AI to create fake websites, videos, and endorsements that appear legitimate.

Before making a financial decision, research the opportunity, verify who you're dealing with, and consult a trusted professional when needed. If an offer sounds too good to be true, take a closer look.

Use AI Responsibly

You don't necessarily need to avoid AI. The key is understanding how to use it responsibly. Before using an AI tool:

Suspicious message on computer

  • Review its privacy settings and understand how your information may be stored or used.

  • Avoid sharing personal or confidential information.

  • Follow your organization's AI policies when using these tools for work.

  • Verify information before relying on it.

Remember, AI-generated images, audio, and videos aren't necessarily proof that something happened. Always take time to verify the original source.

Keep It Simple: Stop, Think and Verify.

Robot thinking

Before sharing information with an AI tool or acting on something it generates, ask yourself three simple questions:

  • Stop: What information am I being asked to share?

  • Think: Does this request or information make sense?

  • Verify: Can I confirm it through a trusted source?

AI can be a helpful tool, but protecting your personal and financial information still starts with you.

We're Committed to Your Security

At Service One Credit Union, protecting our members and their financial information is a priority. We work to provide secure financial services and share resources that help members recognize and prevent fraud.

Preventing fraud is a shared responsibility. Staying informed, recognizing warning signs, and taking time to verify suspicious activity can make a difference.

If you receive a suspicious message, phone call, email, or text that appears to involve Service One Credit Union, don't respond or click included links. Contact us directly using the information here on our official website or Phone number 1 800-759-8500

If you notice an unauthorized transaction involving your Service One account, contact us as soon as possible. Our team is here to help you determine the appropriate next steps.

Helpful Resources

Want to learn more about protecting yourself online? These trusted organizations offer additional information and practical guidance:

Member EducationService One Credit UnionAI, safety