As things get busy over the holidays, many of us rely on online shopping to make life easier. Unfortunately, at this time of year, online scammers are also very active. At RCU, you have zero liability for fraudulent charges, which means if you didn’t authorize it, you don’t pay. But all Members of the credit union have a vested interest in keeping fraud to a minimum because it saves money in the long run.
Here are five tips on how to help keep your information safe.
- Learn how to identify a secure online vendor. Make sure the URL says "https://" with an “s” at the end of “http://." This tells you your session is secure and the site is using encryption to protect your personal data. In other words, your information is not visible to hackers.
- Don't click on unexpected emails or links to "deals" that seem too good to be true. Links in emails from unknown senders may direct you to a bogus website built to capture personal information. These “phishing emails” often contain spelling and grammatical mistakes, so watch for that.
- Use the most up-to-date version of your Internet browser to avoid security flaws, which are other ways malware can sneak in.
- Closely monitor your financial accounts and sign up for text or email alerts when possible. Then you’ll know right away if there have been fraudulent charges. (At RCU, you can sign up for alerts by logging in to RCU online banking, and clicking “Alerts.”)
- Use strong passwords, update them regularly, and never reuse the same password for multiple accounts.
Explore our Security Center
to learn more about fraud and how you can take an active role in safeguarding your information!