Debit cards have become major targets for fraudsters and financial thieves. Why? If you notice unauthorized activity on your credit card bill, you can notify the the company, decline the charges and not pay the bill--keeping your money secure. With a debit card, money instantly disappears from your checking account. Be careful where you use your debit card to keep your checking account funds away from predators. Take note:
- Don't use single-standing terminals in badly lit or deserted areas. They are great targets for skimming activities. Look for areas inside retail outlets or high-trafficked, well-lit places.
- Look for "beat up" or "askew" terminal components. They may indicate faulty parts or those installed for the purpose of skimming/stealing information.
- Use debit card alternatives like cash or credit cards.
- Don't use your debit card online. It's impossible to know who is handling your information.
- Keep your debit card within your reach. Out of hand increases your fraud chances.
- Be careful of using debit cards to order delivery. Cashiers have the tendency to keep the payment information on file, and the business may not be taking necessary measures to protect your information.
- Keep as little money as possible in your checking account.
- Consider a credit card for your everyday purchases.
- When you input your PIN number, use your hand to cover the number pad. That way, no camera can obtain your PIN.
As always, Unity One Credit Union is your partner in making sure that your funds are safe and secure. Please know that our doors are always open for education and discussion. In fact, we have a certified financial advisor on staff that is available to answer any questions and can advise you in all things financial.
About Unity One Credit Union
Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.
Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has nine branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™