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Fraud Prevention

11/23/2021

Holiday Shopping Tips

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We know you’re excited to get that holiday shopping done, but before you do, make sure you’re shopping wisely with these holiday shopping tips.

Tips for Online Shopping

Shopping online Safely during the Holidays

Expect shipping delays. This time of year is always a busy season for shipping companies, and with most industries already behind on supply, that two day shipping could be more like two weeks. Best practice would be to plan ahead and buy early to get your gifts on time.

Ship to a secure location. With an increase in packages comes an increase in “porch pirates” or people who steal packages from doorsteps. If you won't be home for Christmas, your package might not either. Be sure to ship your packages to your office or another safe place to ensure it doesn’t get stolen after being delivered.

Shop on a secure network.
That public wifi may be convenient, but so is stealing information from people when you’re on it. Don’t let hackers intercept your data by staying on a private network when shopping online.

Look for the lock symbol by the web address in your browser. This means the website you are visiting has privacy protection installed and masks the data you share with them.

Don't buy from unfamiliar online retailers. Some websites exist only to get your personal information, and one way they draw people in, is with prices that seem too-good-to-be-true. Keep yourself safe and only shop with online retailers that are familiar. If not, at least look into the website to see if it’s legitimate before pressing “purchase”.

Be aware of the daily limit on your debit card.
If you know you’re going to be making some large purchases, make sure to call ahead and raise the daily limit on your debit card. This will prevent you from missing out on deals because your transaction is declined.

Tips for In-Store Shopping

Family Shopping in a store

Empty your wallet and/or purse. With an increased number of people rushing to stores, pickpocketing and theft increases as well. Be sure to remove any unnecessary cards or items from your purse or wallet and keep them stored safely at home.

Keep an eye on your card. As you’re checking out, make sure to notice any unusual behavior including things like multiple swipes on your debit card. Also make sure you have your card when you leave and that it’s actually your card.

Be cautious with ATMs. Avoid freestanding and nonbank ATMs. These are most vulnerable to skimming devices, fake keypads, and cameras.

Protect your PIN. Always choose credit to avoid entering your PIN in the stores. If you have to enter it, look around to make sure no one is watching you enter it.

Protecting your Debit Card

Using Debit Card Safely

If you’re worried about losing your Southern Bank debit card or someone stealing the information, protect yourself with a FREE app called CardValet. Card Valet allows you to monitor your transactions in real time, set parameters on where your card can be used, alerts you of possible fraud, and allows you to turn your debit card on and off from your phone. You can also customize alerts so that you will be notified of unusual activity on your card such as your card being used outside of your set regions.

Also, don’t forget that your Southern Bank Mastercard debit card comes with free access to these important services:

Mastercard® ID Theft Protection that provides you with access to a number of identity theft resolutions services, should you suspect your ID has been stolen.

Take advantage of:

  • Online Monitoring Dashboard (activation required)
  • Monthly Risk Alert/Newsletter
  • Identity Monitoring
  • Resolution Services
  • Lost Wallet Assistance
  • Single Bureau Credit Monitoring
  • Financial Account Takeover
  • URL & Domain Monitoring

Online Shopping

In-store Shopping

Debit Card Protection

Tips for Online Shopping

Shopping online Safely during the Holidays

Expect shipping delays. This time of year is always a busy season for shipping companies, and with most industries already behind on supply, that two day shipping could be more like two weeks. Best practice would be to plan ahead and buy early to get your gifts on time.

Ship to a secure location. With an increase in packages comes an increase in “porch pirates” or people who steal packages from doorsteps. If you won't be home for Christmas, your package might not either. Be sure to ship your packages to your office or another safe place to ensure it doesn’t get stolen after being delivered.

Shop on a secure network.
That public wifi may be convenient, but so is stealing information from people when you’re on it. Don’t let hackers intercept your data by staying on a private network when shopping online.

Look for the lock symbol by the web address in your browser. This means the website you are visiting has privacy protection installed and masks the data you share with them.

Don't buy from unfamiliar online retailers. Some websites exist only to get your personal information, and one way they draw people in, is with prices that seem too-good-to-be-true. Keep yourself safe and only shop with online retailers that are familiar. If not, at least look into the website to see if it’s legitimate before pressing “purchase”.

Be aware of the daily limit on your debit card.
If you know you’re going to be making some large purchases, make sure to call ahead and raise the daily limit on your debit card. This will prevent you from missing out on deals because your transaction is declined.

Tips for In-Store Shopping

Family Shopping in a store

Empty your wallet and/or purse. With an increased number of people rushing to stores, pickpocketing and theft increases as well. Be sure to remove any unnecessary cards or items from your purse or wallet and keep them stored safely at home.

Keep an eye on your card. As you’re checking out, make sure to notice any unusual behavior including things like multiple swipes on your debit card. Also make sure you have your card when you leave and that it’s actually your card.

Be cautious with ATMs. Avoid freestanding and nonbank ATMs. These are most vulnerable to skimming devices, fake keypads, and cameras.

Protect your PIN. Always choose credit to avoid entering your PIN in the stores. If you have to enter it, look around to make sure no one is watching you enter it.

Protecting your Debit Card

Using Debit Card Safely

If you’re worried about losing your Southern Bank debit card or someone stealing the information, protect yourself with a FREE app called CardValet. Card Valet allows you to monitor your transactions in real time, set parameters on where your card can be used, alerts you of possible fraud, and allows you to turn your debit card on and off from your phone. You can also customize alerts so that you will be notified of unusual activity on your card such as your card being used outside of your set regions.

Also, don’t forget that your Southern Bank Mastercard debit card comes with free access to these important services:

Mastercard® ID Theft Protection that provides you with access to a number of identity theft resolutions services, should you suspect your ID has been stolen.

Take advantage of:

  • Online Monitoring Dashboard (activation required)
  • Monthly Risk Alert/Newsletter
  • Identity Monitoring
  • Resolution Services
  • Lost Wallet Assistance
  • Single Bureau Credit Monitoring
  • Financial Account Takeover
  • URL & Domain Monitoring

Real-time transaction info.

Use CardValet® to monitor transactions in real time, or turn your card off if it is lost or stolen. It's free for Southern Bank checking account customers