Safeguard credit, debit cards for holidays

• Chips cards provide an extra layer of security when you buy in a store (not online). Not all merchants have chip card readers, so then you must swipe your card. This underscores the need for you to monitor your spending transactions.
• Be sure your card is returned following each purchase and that it is indeed your card.
• Wait for the card receipt. Never leave it at the checkout counter; and keep receipts with you, not in your shopping bags.
• Review transactions in your financial account every day or two. Report any suspicious activity such as unexplained withdrawals to your financial institution immediately.
• Check your statements and watch for multiple or incorrect charges. Compare receipts to your account statements, and then destroy your receipts.
• Report unauthorized transactions to your financial institution immediately.
• Keep a list of your card account numbers and telephone numbers to call if your cards are lost or stolen. Keep that list in a secure place.
• Make sure you have signed your credit and debit cards. Do not write your PIN on the card!
• When entering your PIN, block the keypad from the view of the cashier or other customers.
• Running your card as credit rather than debit is another way of protecting your PIN.

Online Shopping: Use a Secure Internet Connection

• Do not use public wireless networks for online purchases.
• Shop on sites with https:// in the web address, and be sure that an icon with a lock appears to the left.  The “s” stands for “secure” and indicates communication with that site is encrypted.
• Do online searches. Type a company or product name into a search engine with words like “review,” “complaint” or “scam.” Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.
• Type the merchant’s address directly into your browser; avoid links.
• Use complicated passwords with at least eight characters. Include numbers, special characters and upper and lower case numbers.
• Keep the antivirus and security software updated on your computers and mobile devices.
  Because of convenience, do not store your payment information because it’s also convenient for thieves.
• Do not respond to pop ups, and do not share card information via email or texts.
• Set up payment and purchase alerts via text and email. If you notice suspicious activity, notify your credit union immediately.

Always be aware of how and where you are making purchases with debit and credit cards to protect yourself from potential threats.  If you suspect your account has been compromised, contact your financial institution immediately for assistance.