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Wallet Safety

Wallet Safety

Wallet safety – it isn’t just for keeping your good leather wallet dirt-free and looking snazzy! It’s also for financial safety – debit cards, credit cards, and financial account safety.

Especially during the holiday season we need to stay on our toes; aware of the usual risks as well as increased online swindles and fraud involving financial information. Follow these simple steps, and you’ll have a safer holiday season!

Personal Identification Number (PIN)

Doesn’t it seem like we have more and more security stuff to keep track of today – passwords for work, home, online games, Facebook – do we want more? Coming up with a new PIN is really just another number to memorize, right? Wouldn’t it be great if we could just use the same one for everything?

While it might be tempting to use one password or PIN (to rule them all!), such as a birthday or other important date, doing so makes it much easier for an identify thief to empty your accounts. Don’t let it happen to you! Either use the PIN sent with your debit card, or create one using the rules outlined in our article on PIN safety. And it doesn’t hurt to change your PIN once in a while just in case. Don’t write your PIN on anything associated with the specific account either, like a debit card sleeve, your address book, or a yellow sticky in your wallet!

Online Shopping Safety

Cyber Monday has become just as much a tradition as Black Friday for great deals and savings on top brands and gift items. And the best part? No pushing and shoving, and no limited stock gobbled up by the people who spent the past week camped in the parking lot! However, is every site safe? Not necessarily! Be alert and shop safe online:

What if...

What if you do happen to lose your wallet? Having a plan in place can help stop a lot of financial damage! First, keep a list of your credit cards, bank accounts, and other financial information. The list should include account numbers, 1-800 numbers, passcodes, and any PIN associated with the account. Store it in a locked fireproof filing cabinet, safe deposit box, or safe. Keep any key hidden separately. This gives you a backup of all necessary contact and account information. If you discover fraudulent charges or realize that your wallet has been stolen, call all credit card and financial institutions immediately. Explain what happened, and ask them to put a hold on your accounts. Let them know you’ll follow up as soon as you can with any fraudulent activity. Then review activity on your accounts and report any fraudulent use. You usually have a brief 1 or 2 day window to report fraudulent use once you’ve noticed it, so don’t wait!

If you use these tips and stay alert when you’re out and about, you’ll survive the busiest shopping season of the year safely and with lots of great deals and memories to share. So shop safely and have a wonderful holiday season!

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Bellwether Community Credit Union
425 Hooksett Road, Manchester, NH 03104
409 Amherst Street, Nashua, NH 03063
7 Leavy Drive, Bedford, NH 03110
Tel: 603-645-8181 | Toll Free: 1-866-996-9828
Routing Number: 211489478
National Credit Union Association Equal Housing Lender CU Service Centers Co-op Network

Federally insured by the NCUA