As the internet becomes a more popular way of purchasing items for the holiday season it is also important for consumers to know the dangers of fraud and how it can be avoided.
Secure home computers and mobile devices: Members should ensure their home computers are secured with a firewall and antivirus software before performing any online transactions. Operating system patches should be downloaded when made available by software vendors. Members should also protect mobile devices (mobile phones, tablets, etc.) used to conduct online transactions by installing antivirus software.
Phishing scams: Members should not respond to emails, text messages, and phone calls that advertise the sale of gift cards, holiday gifts, promotions, contests and jobs.
Be wary of holiday offers for free items: Members should avoid tempting holiday offers, such as free downloadable applications for smartphones, antivirus software, screen savers, ringtones and electronic greeting cards, which may be infected with viruses and/or malware.
Be wary of shopping online at Craigslist and public auction sites: Members might purchase merchandise that is never delivered. Members should follow the best practices published by Craigslist and other public auction websites to avoid scams.
Be wary of social media scams: Fraudsters often place bogus advertisements for free prizes on social media sites. Members should be instructed to not respond to these advertisements.
Bogus charity scams: Members should confirm the legitimacy of the charity through the Better Business Bureau.
Monitor accounts: Members should periodically monitor their deposit and credit card accounts to identify any unauthorized transactions. Members should be instructed to immediately report unauthorized transactions to the credit union.