If you’ve ever purchased something online, you could be at risk of fraud without even knowing it. As technology becomes more advanced, it’s more common than ever for hackers to target debit or credit cards. As a top credit union in Kingman, AZ, Mohave Community Federal Credit Union shares their best tips to limit your chance of fraud. 

Read the Fine Print

You might report to your credit union that you’re receiving fraudulent charges on your account, but this could actually be a misunderstanding. Before you sign up for anything that requires payment, see if that service will charge more fees or payments down the line. Sometimes companies will offer an introductory rate and continue using your card months later.

Do Your Research

Before purchasing from an online store or banking online, research the credibility of the site. Larger sites, such as Target or Walmart, are generally more reputable than a small site hosted overseas. If you’re unsure whether the payment processing is secure, you can look online for reviews. Typically, if a place causes fraud, you can learn about it online. 

Avoid Robo Calls or Pop-Ups 

If you’ve received an automated call or if the person on the other line is pretending to be someone you know or a company you use, hang up. They can try to scam you out of card information to use for their own purchases. Furthermore, be careful with online pop-ups that request personal information. If it doesn’t look legitimate, don’t trust it.

Rethink How You Pay

If possible, pay with a credit card when making a purchase online, as they have better fraud protection than a debit card or electronic check. This prevents fraud funds from being taken out of your account directly. A credit card at least gives you a few weeks to make the payment, which offers wider flexibility when seeking a refund.  

If you’re looking for a trusted and compassionate credit union, visit the team at Mohave Community Federal Credit Union in Kingman, AZ, today. For more than 60 years, the team has been providing premier financial services for the community, from personal loans and online banking to car loans and savings accounts—so you can get all of your financial needs in one place. To learn more about joining the union, visit them online or call (928) 753-8000 to set up your appointment today.