Holiday Fraud Prevention Tips

  • When you make a purchase, ensure that receipts reflect the correct transaction amount.
  • When you perform a transaction with your debit card, make sure that others do not see your PIN.
  • When using a debit card, you may select “credit”, which requires a signature and extends the $0 member liability under the Visa® / MasterCard® association rules.
  • Review all accounts (checking, savings, credit card) activity daily.
  • Lower your credit line limit during the holidays.
  • When paper checks are converted at a merchant to an ACH, store voided checks safely to prevent counterfeit checks or unauthorized ACH transactions.
  • Be suspicious of emails from unknown parties; don’t open the email or click any links within them.
  • Access your credit union’s authorized website by typing the website into the address bar of web browser to avoid “spoofed” websites attempting to steal your information.
  • Shop online with trustworthy merchants who require security information such as address verification and the CVV2/CVC2 number on the back of your card.
  • When shopping in person or using an ATM, be aware of your surroundings and report any unusual activities to your credit union.
  • Never leave your purse, wallet, or cards unattended.
  • And finally, if an offer seems too good to be true, it probably is, so be cautious.

 

 

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