How Avoid DEBIT to CARD fraud
SPECIAL P R O M OT I O N A L SECTION
Fraud is no fun. And if you’ve ever fallen victim, you’re aware of the time and energy wasted on such an inconvenience. And when it comes to debit card fraud, the experience is especially scary as thieves can withdraw money directly from your checking account. In today’s world fraud has evolved. Hackers now have access to software that logs everything you type when connected to a public Wi-Fi network, like your name, address, and card number. Or, thieves can send a legit-looking email asking for your personal information. Counterfeit cards can be made when an identity thief has access to a skimmer—a device that retrieves data from your card’s magnetic strip, and can be hidden within ATMs and store card readers. (The new chip on your card is reducing this risk!) Experts say play it safe online, don’t ignore data breach notifications, and be wary of shady looking ATMs and card readers—especially if they ask you to enter your PIN twice. But, one of the most efficient ways to protect yourself is by constantly monitoring your account. Yet, who has time to check in throughout the day? Avoid the stress and worry with BAC Community Bank’s MobiMoney app. This trusty service does all the work for you and then some. Set pref-
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SAN JOAQUIN MAGAZINE MARCH 2017
BY LINDSEY RODRIAN
erences that dictate regions where your card can be used, restrict international activity, or turn off online purchasing! The app will instantly alert you of activity based on your set preferences, and deny card usage outside of your settings. Need to change a setting? Simply log in to the app and change your settings as your needs change. For example, temporarily enable online purchasing before you shop, and turn it off when you’re done. Hand your plastic over to your kids in confidence with the MobiMoney app, as it also allows you to set spending limits and restrict purchase categories. And, the app offers other conveniences like easy monitoring, receipt storage, fund
transfers, low balance alerts, and a “turn off” option for lost or stolen debit cards. Utilize this app and experience the freedom of control as you remotely manage your money, and live confidently with real-time alerts on your side.
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