The holiday rush can make anyone an easy target for scams, but staying vigilant is simple. Follow these tips from our Valley FCU to enjoy a stress-free holiday season while keeping your personal information secure:
Shop on Secure Websites
Online shopping is more popular than ever, especially during the holidays. While deals and discounts are tempting, they also attract scammers. Here’s how you can shop safely:
- Use reputable online stores and check for secure website URLs (https).
- Avoid making purchases through unsolicited emails or unfamiliar marketplaces.
- Stick to traceable payment methods like credit cards or payment services with fraud protection.
Be Wary of Phony Delivery Scams
Scammers often pose as delivery services, sending fake tracking links or texts to trick you into revealing personal information. Stay protected by:
- Ignoring unsolicited messages about packages, especially if they ask for sensitive info.
- Only track your deliveries through official carrier websites or apps.
- When in doubt, contact the retailer directly to verify any claims.
Strengthen Your Passwords
The holiday season is also a time when many accounts are hacked. Protect your online accounts by:
- Creating strong, unique passwords for each account.
- Enabling two-factor authentication to add an extra layer of security.
- Using a password manager to store and organize your login details securely.
Watch Out for Skimming Devices
Card skimming devices can steal your information during in-person purchases, especially at ATMs or gas stations. To avoid falling victim:
- Use a card with contactless payment or “tap-to-pay” options.
- If available, pay with your smartphone or use apps like Apple Pay or Google Wallet.
- Always inspect the card reader for anything unusual before inserting your card.
Avoid Public Wi-Fi for Shopping
Public Wi-Fi networks can be an easy gateway for hackers to access your personal data. Instead of shopping while out and about:
- Save your online purchases for when you’re on a secure, private network at home.
- If necessary, use a virtual private network (VPN) to add security while using public Wi-Fi.
Ignore Get-Rich-Quick Schemes
Be cautious of job ads promising easy money during the holiday season. These often lead to phishing schemes or requests for sensitive information. Stick to safe practices by:
- Avoid any “work-from-home” offers that seem too good to be true.
- Searching for legitimate seasonal jobs through trusted platforms or local businesses.
Verify Charitable Donation Requests
Many people give to charities during the holidays, but scammers often exploit this generosity. Protect yourself by:
- Research charities on trusted websites before donating.
- Donating directly through official charity websites instead of third-party links.
- Avoiding donation requests made via unsolicited calls, emails, or social media.
Monitor Your Bank Accounts Regularly
Monitor your bank and credit card accounts during the holiday season. Unusual activity can be a sign that someone has compromised your information. To stay ahead:
- Set up alerts for any large transactions or suspicious activity.
- Review your account statements frequently to catch any unauthorized purchases.
Use Credit Instead of Debit
Credit cards typically offer better fraud protection than debit cards. If a scammer gets hold of your card, you’re more likely to recover your money quickly with a credit card. Credit cards often have built-in protections, such as temporary holds on suspicious transactions while the issue is investigated.
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Download the Valley FCU Mobile Banking App
Don’t let identity theft and holiday scams ruin your festivities. Stay informed, stay cautious, and focus on what matters most—spending time with family and friends. Download the Valley FCU Mobile Banking App to help you
- Track online purchases
- Submit mobile check deposits conveniently
- Use Zelle to pay holiday costs during quickly
- Add points on purchases through UChoose Rewards
