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Card Fraud – Security Measures

Picture this: you’re sitting at home on your couch, binge-watching your new favorite show when suddenly, you remember you need to make a payment to your Credit Card. After grabbing your phone to log into your account, you notice a charge on your card that is not yours. During the moment of frustration, you may be wondering, is there a way to prevent this from happening? While we can’t say that you are guaranteed to prevent card fraud, we can say that taking these steps could help reduce your risk of card fraud:

  1. Be wary of who you give your card number to. Many of the threatening phone calls you receive today are scammers trying to intimidate you into paying a “bill” you are supposedly late on. Always contact said company through their primary phone number or website to verify a call’s validity. You may have even received a call from the “IRS” demanding payment, whether or not you actually owe anything. Though they sound serious and can be scary, these calls are scams. Check out this article from the IRS for more information on IRS scam calls.
  2. Check machines before entering your card to pay. Gas station pumps and ATMs are prone to have card skimmers placed on them. Take a few extra seconds to look over the machine before you use it. Run your fingers over the card slot to feel for abnormalities. If something appears loose or looks out of place, it’s possible that it has been tampered with. Alert the owner of the machine and use a different one.
  3. Turn your cards on when you need them and off when you don’t through card control on your Online Banking or Mobile App. Card control could help prevent unauthorized charges from hitting your account. If your card has been compromised and transactions do post, quickly turn off your card to prevent any further transactions from posting and immediately contact a Yolo Federal representative.
  4. Enroll your card in a mobile wallet program such as Apple PayTM, Samsung PayTM, or Google PayTM. Your card information is not transferred to the merchant when used, meaning your card number is less likely to be compromised. Mobile Wallet programs offer several layers of protection, making it the most secure way to use your cards, and it is accepted by most merchants! Check out our video on everything you need to know about Apple PayTM, and get started today!

Whether you have a Debit Card, Credit Card, or both, taking these precautionary measures could help reduce your risk for card fraud. For the best protection, utilize card control and enroll your cards into your Mobile Wallet. Contact a Yolo Federal representative today about our Mobile Wallet by visiting our digital wallet page, or scheduling am appointment.

 

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Stay Protected Against Fraud

We closely monitor for potential fraud and proactively work to protect members. Click "Learn More" for information about Fraud Text Alerts. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

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