In 2026, now more than ever, it’s important that you stay alert to scams and phishing attempts, which are on the rise and changing every day. With online shopping, mobile payments, and digital banking on the rise, it’s essential to know how to keep your debit and credit cards secure, both online AND in stores.
Start with Secure Banking Tools
One of the best ways to protect your finances is by taking advantage of GHFCU’s online banking and mobile app. You can check balances, review transaction history, and set up alerts, all through secure, encrypted connections. These tools help you monitor your accounts in real time and spot anything unusual quickly.
Stay Alert with Account Notifications
Set up transaction alerts to receive notifications for card purchases, low balances, or declined purchases. Alerts provide an extra layer of protection and help you act quickly if something seems suspicious.
Beware of Scams and Phishing Attempts
Scammers often pose as financial institutions or retailers, asking for sensitive information. GHFCU will never ask for your full account number, PIN, or online banking password by email or text. If you receive a suspicious message, do not respond. Contact GHFCU directly through official phone numbers or your branch to verify.
Shop Safely Online
Protecting your information online can be confusing. Start with these tips:
- Use secure websites that start with “https://”
- Avoid public Wi-Fi. If you must use it, do not access confidential information such as passwords or online banking.
- Consider using digital wallets like Apple Pay® or Google Pay® for added security when checking out.
Protect Your Card In-Store
- Take an extra moment to inspect the card reader when paying with your physical card to ensure it has not been tampered with, especially at outward-facing terminals like gas stations.
- Keep your card in sight during transactions.
- Use contactless payments when possible.
- Check receipts and match them with your account activity regularly.
Report Lost or Stolen Cards Immediately
If your debit or credit card is lost or stolen, contact GHFCU immediately via phone or by visiting your branch. Prompt reporting helps prevent unauthorized charges and protects your account.
At Georgia Heritage FCU, we are committed to helping members stay safe while banking. By using online banking tools, enabling alerts, being cautious with sensitive information, and following safe shopping practices, hopefully you can set yourself up for a fraud-free 2026.
For more tips and resources on fraud prevention and secure banking, visit your local branch or the GHFCU website.
