Travel should be an enjoyable and stress-free experience. However, when it comes to your finances, staying aware helps you avoid issues before they arise. Although online banking provides the ease of managing your money from anywhere, it’s important to take a few extra precautions to help protect your accounts and keep your information safe online.
Here’s how to bank safely and protect your personal and financial information while traveling:
UPDATE YOUR DEVICES
Before you head out, update all your devices with the latest software, security patches, and antivirus tools. This protects you from hackers who target outdated systems. Back up your data, encrypt your hard drive, and enable a strong password or biometric lock on each device.
Turn on Multi-Factor Authentication (MFA) in online banking to add an extra step like a one-time code after your password. If your device is ever lost or stolen, these simple steps help prevent unauthorized access to your account.
USE SECURE WIFI CONNECTIONS
Avoid public Wi-Fi networks at airports, cafes, and hotels when accessing your bank account. These networks are often unsecured and easy for hackers to exploit. Instead, use your mobile data or a personal hotspot whenever possible.
If public Wi-Fi is your only option, avoid logging into sensitive accounts and use a trusted VPN to encrypt your connection. Also, turn off auto-connect features to prevent your device from joining unknown networks without your permission.
USE TRUSTED WEBSITES AND APPS
Access your account through Metro’s website or mobile app. Look for “https” in the URL and a padlock icon to confirm the site is secure. Hover over links before clicking to make sure they lead to the correct site. Phishing attempts often use subtle changes in the sender’s address or website URL to trick you.
Avoid clicking on links or downloading attachments from emails, texts or social media messages that claim to be from Metro especially if they ask for personal or financial information.
TURN ON ACCOUNT ALERTS
Set up transaction alerts through online banking. You’ll receive real-time updates about purchases, transfers or sign-ins, helping you spot and respond to suspicious activity quickly.
Alerts can help stop fraud before it escalates, and they’re especially helpful when in a different time zone than home.
WATCH WHERE YOU CHARGE YOUR DEVICES
Be cautious when using public USB charging stations. Scammers can install malicious software to steal your data, a tactic known as juice jacking. Carry your own charger and USB cord and use a wall outlet instead of a public port.
BE CAREFUL WITH ATMS AND CARD READERS
Use ATMs and payment terminals that are in secure, well-lit areas, ideally inside banks or trusted businesses. Fraudsters sometimes install skimmers or hidden cameras to capture card info and PINs.
Always cover the keypad when entering your PIN and inspect the machine for any loose or suspicious parts before using it.
CARRY MULTIPLE PAYMENT OPTIONS
Keep a mix of cash, debit cards, credit cards, and mobile payment options available. Theft and pickpocketing can happen anywhere, so having backups helps ensure you’re never stuck.
Metro accounts work with Apple Pay, Google Pay and Samsung Pay, making it easy to pay with your phone while keeping your card info secure. Learn more how to add convenience and keep your payment information protected.
MONITOR YOUR ACCOUNTS DURING AND AFTER YOUR TRIP
Even while you're on vacation, it’s important to check your bank account every few days. Review recent activity and be sure there’s nothing unusual. If you notice anything suspicious, report it right away through Metro’s online banking platform. For more information on staying safe, visit our Fraud Protection page to stay updated on current scams and get tips to protect your identity.
Once you’re home, review your account again. Confirm any pending transactions and ensure everything is accurate. It’s also a good idea to update your passwords and security questions and run malware scan on your devices to ensure nothing is compromised.
DOWNLOAD METRO CREDIT UNION’s MOBILE APP
Travel is about relaxing and making memories, not worrying about your finances. Enjoy the advantages of online banking and bank securely wherever you go with Metro’s mobile app. You can check balances, transfer funds or lock your debit card if needed.
Register for online banking and download the Metro Mobile App from the Apple App Store or Google Play Store. Already registered? Sign in with your username and password to access your account and manage your money on the go.
