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5 Tips for Online Shopping

Keep Your Identity Safe!

Online fraud is on the rise and it is important to know how to keep your accounts as safe as possible. With the holidays approaching, here are 5 quick tips to keep your identity safe:

Always initiate the transaction yourself. Do not open a store’s website through a received email. Physically type in the web address of the outlet and look around carefully to make sure it is the actual website.

When entering credit card information as part of the transaction, make sure the web address starts with a secure extension, shown as https://.

If you shop online in a public location, like at a library, make sure you log out and click the “back” button when you are finished with a shopping session.

Shopping at a coffee house? Use their approved, secure Wi-Fi server.

Use your credit card** wisely when shopping online. The added convenience of shopping from your couch might cause you to drop your guard. Be aware of your online surroundings at all times.

Tips – Contacts to Make if You are a Victim of ID Theft

Greenpath gives three contacts you need to make if you become a victim of identity theft:

1. Contact the three credit bureaus and tell them that you have been a victim of identity theft.
a. Equifax fraud division 800-525-6285 www.fraudalerts.equifax.com
b. Experian fraud division 888-397-3742 www.experian.com/fraud
c. TransUnion fraud division 800-680-7289 www.transunion.com

2. Contact your creditors directly and ask to speak to someone in the security department. Freeze the existing account.

3. Contact local law enforcement and get a police report. This will serve as documentation that a crime has occurred. As you think of your finances at the end of 2015, we want you to know that there is free financial education and counseling available to you as a credit union member. You can take advantage of the Accel; a program of GreenPath, Inc. Accel is a free financial education and counseling service. For more information, call 1-877-332-2235 or visit Accel on the web at www.accelservices.org.

**Be aware – EMV credit cards do give added protection, but they do not prevent online fraud! To learn more about EMV, visit our blog article on EMV cards.


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