Parents, you may be eager to post photos of your children heading back to school, but be careful – that could turn into a hotbed for hackers.

Copyright 2019 CNN(CNN) - Cybersecurity is the biggest threat facing America's banks, FDIC Chairman Jelena McWilliams told CNN Business. McWilliams, a Trump-appointed regulator who helps oversee about 4,000 mostly smaller lenders, said the FDIC could fine a bank that suffers a major breach after failing to fix weak cyber defenses flagged by the agency. Beyond a fine, McWilliams said shoddy cyber defenses could force regulators to downgrade their ratings on bank management teams. McWilliams said the FDIC is "monitoring" the cyber defenses and "continuously" testing the safety and structure of banks' networks and firewalls. 1 risk facing large banks and the banking system as a wholeIn addition to cyber, community banks are also facing competitive pressure from credit unions, nonbank lenders and even tech companies.