Create Strong PasswordsA strong password is an important protection to help you have safer online transactions. Here are steps you can take to create a strong password. Some or all might help protect your online transactions:

Length. Make your passwords long with eight or more characters.

Use the Whole Keyboard Complexity. Include letters, punctuation,

symbols, and numbers. Do not use just the letters and characters you use or see most often. The greater the variety of characters in your password, the better. However, password hacking software automatically checks for common letter-to-symbol conversions, such as changing "and" to "&" or "to" to "2."

Variety Don't use the same password for everything.

Cybercriminals steal passwords on websites that have very little security, and then they use that same password and user name in more secure environments, such as banking websites. Replace the regular characters with special characters. You can form your own rule.

■Replace all the ‘a’ with @ ■Replace all the ‘s’ with $ ■Repalce any space with % ■Replace any ‘o’ with 0 ■Replace any ‘i’ with !

Remember your password There are many ways to create a long, complex password. Here are some suggestions that might help you remember it easily:

Start with a sentence or two.

Complex passwords are safer.

Remove the spaces between the words in the sentence. ex: Complexpasswordsaresafer.

Turn words into shorthand or intentionally misspell a word. ex: ComplekspasswordsRsafer.

Add length with numbers. Put numbers that are meaningful to you after the sentence.

ex: ComplekspasswordsRsafer2011.

Test your Password Test your password with a password

checker A password checker evaluates your

password's strength automatically.

Avoid Common Password Pitfalls

Cyber criminals use sophisticated tools that can rapidly decipher passwords.

Avoid creating passwords that use:

Dictionary words in any language.

Words spelled backwards, common misspellings, and abbreviations.

Sequences or repeated characters. Examples: 12345678, 222222, abcdefg, or adjacent letters on your keyboard (qwerty).

Personal information. Your name, birthday, driver's license, passport number, or similar information.