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Shoppers should be on high alert while purchasing their presents this holiday season. Though millions of credit and debit card purchases are made safely each day, itís important that consumers remain vigilant in protecting their personal information.


 1.  Monitor your account. Use online and mobile banking to keep an eye on your transactions, especially during the holidays.  Notify the bank right away if thereís any fraudulent activity.


2.  Beware of phishing scams. During the holidays, criminals will create a fake email for a deal thatís too good to be true. If you click on any links within the email, you may be downloading malware onto your computer or you may be asked for payment information that could lead to fraud.


3.  Limit large sums of cash. Even though weíve seen financial crime migrate from physical to cyber, customers should be careful not to carry around large sums of cash when shopping. A bank will make you whole if thereís fraud against your account. If cash is stolen, your money is gone.





4. Secure your internet connection.  If shopping online, make sure you do so from a password protected Wi-Fi network. Never access online banking from a public Wi-Fi network.


5.  Shop safely. Before making an online purchase, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.


6.  Read the siteís privacy policies.  Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you donít see or understand a siteís privacy policy, consider doing business elsewhere.


Or better yet, shop local, in person and avoid the possibility of be scammed!  Visit the Greater Ruby Valley Chamber of Commerce & Agriculture website for a list of local businesses that offer unique gifts for folks on your Christmas list.  The variety of services and products offered in the Ruby Valley will surprise you - in a delightful way!