Don't Let Cyber Grinches Steal Your Holiday Cheer

With the excitement of the holidays, it’s easy to let your guard down. Protecting your finances during this busy season is essential to keeping the holidays merry!

Here are 10 tips to help you shop smart and to keep the Cyber Grinches at bay:

1. Stick to Trusted Retailers

Shop online with well-known retailers and ensure their websites are secure by looking for “https://” in the URL. Avoid deals from unknown websites or pop-ups that seem too good to be true — because they usually are —  and check reviews before buying.

2. Watch Out For Phishing Scams

Be cautious of emails or texts claiming to be from retailers or shipping companies. Avoid clicking on links or downloading attachments from unfamiliar sources. Instead, visit websites directly by typing the URL into your browser.

3. Use Secure Payment Methods

Choose credit cards or digital payment options like Apple Pay, Google Pay, or PayPal. These methods offer better fraud protection than debit cards. Steer clear of wire transfers or direct payments to sellers you don't know.

4. Monitor Your Accounts

Keep a close eye on your bank and credit card statements. Set up HB Alerts to notify you of unusual activity, so you can act quickly if fraud occurs.

5. Avoid Public Wi-Fi for Transactions

Public Wi-Fi networks are convenient but not secure. Avoid shopping or entering sensitive information while using them. If necessary, use a VPN to protect your data.

6. Strengthen Your Passwords

Use strong, unique passwords for each account, and consider a password manager to keep them organized. Enable multi-factor authentication (MFA) for extra security.

7. Be Cautious with Gift Cards

Only buy gift cards from trusted retailers, and check for signs of tampering. Be wary of anyone asking for payments via gift cards—legitimate companies don’t operate this way.

8. Social Media Holiday Sale Traps

Don't believe everything you see on social media. Click here to learn more on how to spot a fake ad on social media sites like Facebook.

9. Verify Charities Before Donating

Research charities through platforms like Charity Navigator or GuideStar. Beware of high-pressure tactics or organizations that can’t provide detailed information.

10. Report Fraud Immediately

If you suspect fraud, contact your bank or credit card provider right away. You can also report scams to the Federal Trade Commission (FTC) or locally to Protect the Good Life.

Enjoy a Joyful and Secure Holiday Season

Notice any unusual activity on your account? Don’t wait—contact your bank immediately! Quick action is key to minimizing financial loss and securing your account. Heartland Bank is always here to answer any questions or concerns you have about fraud protection. 

The holidays should be filled with happiness, not financial stress. Staying vigilant and following these tips can help you shop with confidence and protect your peace of mind. If something feels off, trust your instincts—a little caution now can save you from headaches later!