The Update

How to Keep Your Finances Safe While Traveling

Travel can expose you to many financial risks. With a little awareness and preparation, though, you can keep your finances as secure as your passport.

Here are 10 tips for keeping your finances safe this summer while travelling

Notify Your Credit Union

Before you hop on a plane or cross state lines, let know! You can notify us through our app, give us a call at or email us at . This prevents your card from being flagged or frozen for suspicious activity while traveling.

Use Credit Over Debit

Credit cards offer stronger fraud protection than debit cards, and they don’t give scammers direct access to your checking account.

Avoid Public Wi-Fi for Financial Transactions

That free airport or café Wi-Fi may be convenient, but it’s also a hotspot for hackers. Never access checking accounts, make purchases or enter personal data over unsecured public networks. If you must connect to one, use a VPN to encrypt your data.

Beware of Skimming Devices

When using an ATM, stick to machines inside financial institutions or well-lit, secure areas. Wiggle the card reader — if it feels loose or bulky, walk away. It’s also a good idea to cover the keypad with your hand while entering your PIN.

Don’t Post Travel Plans Publicly

Announcing that you’re on vacation tells potential thieves that your house is empty — and that you’re distracted. Save the photo dumps for after you get home.

Carry a Mix of Payment Methods

It’s best to bring a combination of cash, credit and debit cards with you on vacation, especially when traveling internationally.

Set Up Transaction Alerts

Most financial institutions and credit card companies allow you to set and receive real-time transaction alerts via text or mobile app. This way, you’ll know immediately if there’s any suspicious activity on your account.

Limit What You Carry

Leave unnecessary cards, checkbooks and documents at home. Carry only what you need: one or two credit cards, photo ID and insurance info.

Be Cautious With Currency Exchange

Avoid airport kiosks or hotel front desks for currency exchange as they tend to have poor rates and high fees.

Monitor Accounts

Don’t let your guard down, even after you return home. Monitor your accounts regularly for any unauthorized transactions.

RGCU Personal Identity Theft Reimbursement 

As an RGCU Member you have benefits for using your RGCU debit or credit card, including personal identity theft recovery assistance. If your identity is stolen, you could be reimbursed up to $5,000 for the cost of recovery.