How to Protect Yourself from Holiday Scams and Fraud
The holiday season is a time for giving, gathering, and celebrating. Unfortunately, it’s also a time when scammers become more active. As online shopping, digital payments, and charitable giving increase, so do attempts at fraud.
At Ft. Randall Federal Credit Union, your financial safety is always a top priority. Staying alert and informed is the best way to keep your money and information secure.
Here are four key ways to protect yourself from scams this holiday season:
1. Watch for Phishing and Fake Messages
Scammers often send emails, texts, or social media messages that look like they’re from trusted companies or even your financial institution. They may claim there’s a problem with your account, ask you to verify information, or offer fake shipping updates.
If you receive an unexpected message or link, don’t click it. Go directly to the company’s official website or contact them through verified channels. Remember, Ft. Randall FCU will never ask for personal details like your PIN or password by email or text.
2. Shop Safely Online
Online shopping can be convenient, but it’s important to stay smart about where you spend. Only make purchases from secure websites (look for “https” and a padlock icon in the address bar). Avoid deals that seem too good to be true, and be cautious when buying from unfamiliar sellers or third-party marketplaces.
When possible, use secure payment methods such as your credit or debit card. Never wire money or send gift cards as payment.
3. Keep an Eye on Your Accounts
During the holidays, transactions add up quickly. Make it a habit to check your Ft. Randall FCU accounts regularly through online banking or the mobile app. Reviewing your statements helps you spot suspicious activity early and take action right away.
If you notice any unfamiliar charges or believe your card information has been compromised, contact us immediately so we can help protect your account.
4. Protect Your Personal Information
Scammers often use fake charities or contests to gather sensitive information. Be cautious about where you share personal details, even on social media. Avoid posting things like your travel plans or large purchases that could make you a target.
When donating to a charity, verify that the organization is legitimate by visiting its official website or checking with the Better Business Bureau.
Your Security Matters
At Ft. Randall Federal Credit Union, we’re more than just your financial partner; we’re your neighbor, committed to helping you stay safe all year long.
If you ever have concerns about fraud, identity theft, or suspicious activity, contact our team in Wagner or Platte. We’re here to help protect your finances and your peace of mind this holiday season.
Stay smart. Stay secure. And enjoy a safe, happy holiday with the people who matter most.
