Payment Card Best Practices

It is a great to always use best practices when your cards are concerned.  No matter whether you are using them close to home or traveling it is always good to remember cardholder transaction practices to reduce the risk of card skimming. 

Before getting into the tips, let's see how you do with our skimming quiz:
  • When dining out, do you hand your credit card to the server and wait at the table for your receipt? 
  • When fueling up, do you hand your card to the pump attendant and wait for your receipt in your comfy vehicle? 
  • In an ATM lobby where two of three ATMs have "out of order" signage, would you proceed to use your card at the third apparently functional ATM?
  • Would you use a merchant PIN pad terminal bearing a "Press Hard" sticky note?
If you answered "yes" to any of these questions, you are at a greater risk of being skimmed sooner rather than later. 

The following card usage best practices will help you enjoy your summer travels and reduce your risk of being skimmed year round:
  • Be alert - keep your card in your sight at all times during transactions to ensure your card is not swiped through a foreign device.
  • Protect your PIN - shield it with your body, free hand, or both.
  • Check your receipts - ensure they display the correct amount, date, time.
  • Review statements regularly - report unauthorized transactions to your credit union immediately.
Debit card users are protected by the Canadian Code of Practice for Consumer Debit Card Services which states that innocent victims of counterfeit debit fraud will be reimbursed by their issuing financial institution.
For more tips on keeping your debit card and PIN safe, visit Interac's website.
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