January 23, 2026
Safe Debit Card Usage Strategies
Luke Pippenger
Protecting Your Card & Account Information
Simple habits can go a long way in keeping your money safe. Whether you’re shopping in person, using an ATM, or managing your finances online, staying alert helps prevent fraud.
At the Point of Sale & ATM
Safety Spotlight
Fraudsters often target physical card use, but a few precautions can significantly reduce your risk.
Protect your PIN.
Cover the keypad with your hand or body when entering your PIN to block prying eyes or hidden cameras. Never share your PIN with anyone—even family members or friends—and avoid writing it down where it could be found. Some members choose to avoid PIN-based transactions by running purchases as credit, which can provide an extra layer of security.
Watch for skimmers.
Skimming devices can be attached to ATMs or card readers to steal card information. Before inserting your card, inspect the machine carefully for anything that seems loose, unusual, or tampered with. Wiggle the card slot, check for extra attachments on the keypad, and if anything feels off, use a different machine. Pay special attention at gas stations, convenience stores, or any unattended ATMs, as these are frequent targets.
Use trusted ATMs.
Whenever possible, use ATMs operated by your own financial institution. These machines are more secure, often have enhanced monitoring, and reduce the likelihood of encountering a compromised device. If you must use a third-party ATM, stick to well-lit, busy locations during business hours.
Handle credit transactions carefully.
Always complete your receipt totals before signing, and never let your card leave your sight. This includes both in-person purchases at stores and restaurants. If possible, request that the card be swiped in your presence and check the receipt against your purchase.
Be mindful of your surroundings.
Stay alert when using ATMs or paying in stores. Avoid distractions such as talking on your phone while entering your PIN or handling cash. Criminals often exploit these moments of inattention. Keep chip cards protected with RFID sleeves or wallets.
Online & Digital Safety
Safe Browsing Habits
Convenience online comes with added responsibility. Taking a few extra precautions can make your online transactions much safer.
Shop securely.
Only use websites with “https://” in the address and a padlock icon in the browser. Avoid shopping on public Wi-Fi networks, which can be vulnerable to hackers. When using mobile apps, ensure they are official apps from the merchant or financial institution, and keep your device’s software up to date.
Stay informed.
Enable transaction alerts for purchases, withdrawals, or unusual account activity. Many institutions allow temporary card blocks or spending limits through digital banking apps, which can be useful if you notice suspicious activity or if your card is not in use. Regularly reviewing your account activity online helps catch irregularities quickly.
Use strong passwords.
Create complex, unique passwords for all online accounts, including banking and shopping platforms. Avoid reusing passwords and consider using a reputable password manager to keep track of them securely. Change passwords immediately if you suspect they may have been compromised.
Be cautious with emails and messages.
Fraudulent emails, texts, and social media messages often try to trick you into revealing account details or clicking unsafe links. Verify any unexpected messages by contacting the company directly, and avoid downloading attachments from unknown sources.
Enable two-factor authentication.
Whenever possible, turn on two-factor authentication (2FA) for online accounts. This extra verification step helps prevent unauthorized access, even if your password is compromised.
General Security Tips
Security Snapshot
Consistent monitoring helps catch problems early. When selecting a new PIN, always make sure to choose a new, unique PIN. Remember, your financial institution will never ask you for your debit card PIN, nor will we send someone to retrieve your debit card. If anyone asks for your PIN or your card, do not share it and contact us immediately.
Sign your card and review statements regularly.
Make it a habit to check your account statements often and reconcile them with your receipts. Look for unfamiliar charges and report anything suspicious immediately.
Act fast if there’s a problem.
If your card is lost or stolen, contact your financial institution right away. Temporary card blocks are available through Your$ to prevent unauthorized transactions while you sort things out.
Plan ahead when traveling.
Set travel notices in advance using Your$ or contact TVFCU’s eServices department for assistance. This helps avoid declined transactions and alerts your institution to monitor for suspicious activity while you’re away.
You’re Not Alone
Staying alert is the first line of defense, but help is always available. Monitor your accounts, speak up if something doesn’t look right, and contact us immediately if you have concerns. We’re here to help protect what matters most.
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