You probably think you know the score when it comes to online shopping, but you have to remember scammers are usually one step ahead. While the Internet makes many everyday tasks faster and more convenient, like shopping, banking, and communicating on the go, it’s important to be safe, secure, and responsible online. Here are some practical tips to help you avoid fraud:

• Think before you click! Do not open emails, online ads, deals and even apps from people you do not know. Suspicious emails and online offers may introduce malware once clicked, which can be used to compromise accounts.
• Have complex, unique passwords for sites that store your sensitive information.
• Use payment methods that offer tokenization. Many mobile wallets offer mobile, online and in-person settings that include tokenization.
• Sign-up for transaction alerts or monitor statements closely for suspicious activity and report it immediately to the credit union.
• Ensure home computers, laptops and tablets are protected with antivirus, anti-spyware and a firewall.
• Close/exit the shopping site or turn off your computer, tablet or mobile device.
• Be on the lookout for ATM tampering, skimmers, or anything suspicious.
• Use well light parking lots and make sure your car keys are in hand before entering the parking lot. Survey the area for unusual activity.