Safe and Secure in an Electronic World
Enterprising criminals can gather enough information about you through the debris of everyday electronic transactions to pretend that they are you. Once this happens, they can gain access to all your financial information.
The most common way thieves go about getting this information is by stealing your wallet. However, other ways include looking over your shoulder at ATMs and phone booths to capture your PIN number; stealing mail from your mailbox; digging though your discarded trash; and fraudulently ordering a copy of your credit record. And before you think, "I don't have a credit record," think again. As soon as you open a bank account, get a credit card or a loan, or start a store account, you've got a credit record.
To prevent this from happening to you,
Pay Particular Attention When Using ATM Cards and Credit Cards
One of many conveniences of a checking account is the debit or automated teller machine (ATM) card. This card allows you to get money from your account through a machine 24 hours a day. A money machine is useful, but there are a few precautions you should take.
Protecting Your Personal Identification Number (PIN)
Just like passwords on the computers, a PIN is a confidential code issued to you that lets you have access to your account. Memorize your PIN, and don't give it to anyone, not even family members or bank employees. The fewer people who have access to your PIN, the better.
Never write your PIN on your ATM card or write it on a piece of paper and place it in your wallet. If your wallet and card are lost or stolen, someone will have everything they need to take all the money from your account.
Using the ATM Safely
An ATM card should be treated like cash. When using the ATM machine, select one that's code-door or double door secured and visible to street traffic. Use when others are around. Also,
Protecting Your Credit Cards
Having a credit card is a big responsibility. If you don't have your own card, a parent may lend you one for certain purchases. Whether the card is yours or your parents', here are a few tips to keep it safe.
© 2013 Sacramento Sheriff's Department
711 G Street, Sacramento, CA 95814