5 Ways to Protect Your Finances from Frauds or Scams: Tips from Our Harlingen Credit Union

As technology evolves, so do the risks of fraud and scams, especially regarding your finances and online banking. Scammers are constantly finding new ways to target your personal and financial information. Staying vigilant and proactive is vital to keeping your finances safe. Here are five practical tips from our Harlingen credit union to protect yourself from potential scams.

1. Avoid Clicking on Suspicious Links

Scammers often send emails or texts with suspicious links, hoping you’ll click and unknowingly provide them with your personal information. If you receive an unexpected or unusual message with a link, don’t engage. Instead, contact the company using a verified phone number or email to confirm the message’s authenticity. Taking this extra step can prevent you from falling victim to phishing schemes.

2. Enable Multi-Factor Authentication (MFA)

Adding an extra layer of protection with multi-factor authentication (MFA) can significantly improve your account security. With MFA, you’ll need to provide an additional verification method—such as a code sent to your phone—along with your password to access your accounts. This makes it much harder for scammers to gain access, even if they have your login details.

3. Research Before Making Online Purchases

Research the company or organization for a few minutes before purchasing from an unfamiliar online store or donating to a new charity. A quick online search can reveal any negative reviews or scam reports, helping you make an informed decision. Trustworthy companies should have clear contact information and a solid online reputation.

4. Ignore Spam Calls

If you receive a call from an unknown number, it’s best to let it go to voicemail. Scammers often use local or familiar-looking numbers to trick you into answering. Fortunately, most smartphones can now automatically block or flag potential spam calls. If you’re ever in doubt, don’t answer. If the call is essential, they’ll leave a message.

5. Beware of Unusual Payment Methods

If you’re ever asked to pay through gift cards or unusual methods, it’s likely a scam. Scammers often create a sense of urgency, claiming you owe money and need to pay immediately using non-traditional payment methods. If this happens, hang up and contact the service provider directly to verify the situation.

Stay Secure with VFCU Harlingen Credit Union

At VFCU – Harlingen credit union, we prioritize your financial security and offer various convenient services to help you manage your money effortlessly. Our mobile banking app lets you access your accounts from anywhere, anytime, while enjoying top-notch security features. Whether at home or traveling, our app ensures your finances are safe and easily accessible.

Benefits of using VFCU mobile banking include:

• Convenience: Access your account 24/7.
• Automatic Transfers: Schedule and manage transfers with ease.
• Transaction History: View and track all your transactions in one place.

Protect your finances and enjoy peace with VFCU’s secure mobile banking options.