The holiday season is a time for joy, celebration, and giving. Unfortunately, it’s also a time when scammers ramp up their efforts, hoping to exploit the flurry of online shopping and increased transactions. At Androscoggin Bank, we care about your financial security and want to help you enjoy a worry-free season. Here are key tips to protect your information, whether you’re shopping online or in person.
Shop Safely Online
- Use Trusted Websites: Always look for “https” in the URL and a padlock icon to ensure the site is secure. Stick to retailers you know, and avoid unknown sites with deals that seem too good to be true.
- Secure Your Network: Public Wi-Fi networks can leave your information vulnerable. If you’re shopping on the go, use a VPN or your phone’s hotspot instead of free Wi-Fi.
Stay Alert for Phishing Scams
- Scrutinize Offers and Links: Phishing attempts often disguise themselves as deals or alerts from trusted brands. If you receive a promotional email or text, visit the retailer’s official website rather than clicking links.
- Avoid Unsolicited Messages: Unprompted emails, texts, or social media messages that ask for personal information or contain download links are often fraudulent. Be cautious, and delete anything that seems suspicious.
- Look Out for Urgency Traps: Scammers frequently use urgency to pressure you into acting quickly. If a message or deal urges immediate action, take a moment to verify its authenticity.
Practice Safe ATM and Card Usage
- Protect Your PIN: Cover the keypad with your hand while entering your PIN, and stay alert to any individuals lingering too close.
- Inspect for Signs of Tampering: Before inserting your card at an ATM or payment terminal, check for loose parts, mismatched colors, or components that appear out of place. These can indicate a card-skimming device.
- Keep an Eye on Your Card: Whenever possible, handle card payments yourself instead of handing your card to a server or clerk.
Use Strong Passwords and Monitor Your Accounts Regularly
- Create Unique, Complex Passwords: Use a unique password for each online account, ideally a passphrase that combines uppercase letters, numbers, and symbols. Consider a password manager to store and secure these for you.
- Enable Two-Factor Authentication (2FA): Adding a second layer of security, like a code sent to your phone, can provide extra protection if someone tries to access your accounts.
- Monitor Accounts Regularly: Log into your bank accounts frequently, not just around statement dates. Checking more often makes it easier to spot any unauthorized charges. If you see anything unusual, notify us immediately.
Donate Carefully
- Verify Charities Before Giving: Scammers often take advantage of holiday generosity by creating fake charities or crowdfunding pages. Research organizations at sites like Charity Navigator or the Better Business Bureau before donating.
- Be Cautious with Payment Methods: Do not make donations through gift cards, wire transfers, or cryptocurrency. Legitimate charities will not request donations in this manner.
Following these tips can help make your holiday season joyful and scam-free. For any questions or concerns, feel free to reach out to us at 1-800-966-9172. Enjoy a safe and wonderful holiday season!
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