5 Simple Tricks to Keep Your Cards and Identity Secure


Now that you have your new EMV-Chip Debit Card, your card is more secure than ever. However, scammers are constantly working to break through card security barriers. Here are a couple of steps to help you protect your card and your money.

1)       Go paperless – You are putting yourself at a great risk of identity theft by having your account statements mailed to you.  Mail theft is the #1 contributor of identity theft in America. Why take the risk? Save your identity and the planet.
2)       Use Paypal when shopping online – Have you ever made a purchase online and questioned the security of the website? Pay with your Paypal by loading your card information into your Paypal account and selecting Paypal as your payment option.
3)       Create strong passwords & change them often – I know keeping your passwords straight is a full-time job, but it’s super important. Find a system that works best for you, whether it’s a secured spreadsheet, or a password app on your phone (Lastpass is a great one). Just make sure that whatever system you use to organize your passwords, it is secure. 
4)       Be aware when you pay at the pump –  Arizona, there was a record number of card skimmers found on gas pumps. Being ‘mindful’ can save you BIG TIME.

-       Use the gas pump closest to the attendant – scammers are less likely to attach a skimmer that is in clear view of the attendant.

-       Check the card scanner to see if it has been tampered with. Give it a little wiggle. If it has a skimmer attached you should be able to easily remove it.

-       When you have the option, enter your zip code rather than your debit card pin number. Or even run it as credit. The less information you give the scammer the better.

5)      Sign up for account alerts in online banking – It’s a good idea to look at your transaction history daily to make sure it’s all yours, but a helpful security tool that online banking offers is account alerts. You can be alerted when a transaction is made over a certain amount, when your account balance is low or even when your online banking ID or password has been changed. This will help you to act quickly to prevent any further fraudulent activity.

4/20/2017 By Tara Roether