HOLIDAY SHOPPING TIPS USING YOUR DEBIT/CREDIT CARD
The holidays are approaching, which means plenty of shopping. Consumers are expected
to spend upwards of $616 billion over the holidays, representing a 4.1% increase from 2013.
Online and mobile shopping are expected to dominate this year, with a projected 56% of
consumers making their holiday purchases online.
Here are some best practices for card protection, shopping online and shopping at retail locations:
- Carry the card(s) you plan to use.
- Know where your cards are at all times.
- Do not send your card number through email, as it is typically not secure.
- Protect your online passwords and PIN. Do not write them down or share them with anyone.
- Do not give your card number over the phone unless you initiated the call.
- When selecting a PIN, do not use a number or word that appears on your identification or in your wallet, such as birth date, phone number, address or social security number.
- Check for evidence of tampering before you use an ATM to obtain cash.
- Review account activity often using the online banking system and monthly statements.
- Ensure computers have the most up-to-date anti-virus software.
- Always close your browser completely from any website after a purchase transaction is made with your debit or credit card.
- Shop with merchants you know and trust.
- Contact the bank immediately if you suspect fraudulent activity.
Community West Bank is committed to providing you with a private and secure Internet
banking environment. That is why we use sophisticated security technologies to ensure
that the transmitted data is secure.
Anytime you provide personal information (such as account number, password, transfer
requests, etc.), we encrypt the data using 128-bit Secure Socket Layer (SSL) technology.
To support this technology, you need to have a SSL-capable browser. Microsoft Internet
Explorer 5.0 or later; AOL 5.0 are all SSL-capable and will activate it automatically
when you sign on to your account(s). We do not recommend use of the beta versions
of these browsers.
You can tell if you are on a secure site by looking at the symbol at the bottom
of your browser screen. If you are using Internet Explorer, the symbol is a lock.
If the symbol is unbroken, you are using a secure server.
Users of Microsoft Internet Explorer 4.01 for Macintosh, and Microsoft Internet
Explorer 4.05 for Macintosh will experience an additional dialog box stating "Certificate
Authority Is Expired" when connecting securely with your site after January 1, 2000.
Customers must treat their Community West Bank AccessWestsm user ID and
password with the same care that they treat their ATM or credit card PIN. In addition,
an AccessWestsm user must make sure that no one is physically watching
as his or her password is entered. If a user has logged onto AccessWestsm,
the user should exit the browser when leaving the computer unattended. Users should
also take the standard precautions to keep computers clean and free from viruses
that could be used to capture password keystrokes.
Community West Bank views security as something that must be constantly maintained.
New advances in security technology occur frequently, and Community West Bank is
constantly enhancing its security architecture to ensure that it provides the highest
level of privacy and safety available to its customers.