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Security Tips for Online Holiday Shopping

Online holiday shopping becomes more popular every year, and advancements in payment technology keep making it easier. Unfortunately, as we witnessed during the 2013 holiday season, cybercriminals are making their own advancements — finding new ways to steal payment information from consumers. Here are some best practices that can help ensure the safety of your online transactions.

Start by securing your computer, tablet or phone — Make sure you have a firewall on any device you’re using online. Keep your browser software and anti-virus/antispyware software current with automatic updates, and encrypt the wireless connection in your home. From a mobile perspective, simply doing things like using your smartphone’s screen lock setting and changing your PIN/swipe pattern/password on a regular basis help protect your personal information.

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10 Online Security Tips from Merrick Bank

Merrick Bank is serious about safeguarding your personal information online and on your mobile devices. As a security measure, you may only access your account information from the Merrick Bank website or mobile app after you have registered with us.

The Merrick Bank website and mobile app use Transport Layer Security (TLS) and Secure Socket Layer (SSL) technology to encrypt your personal information such as user IDs, passwords and account information over the Internet. Any information we send you is scrambled en route and decoded once it reaches your browser or app.

The Internet is, and will continue to be, the source of many new opportunities if you use it wisely. Although the information below is not exhaustive, it contains some key points that will help you use the Internet in a more secure manner. Use these points with caution and good judgment.

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FDIC insured

The Role of the FDIC for Today’s Consumers

The FDIC signs displayed at banking locations carry the messages: “Each depositor insured to at least $250,000”1 and “Backed by the full faith and credit of the United States government.” What does that mean, and what does the FDIC do?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that provides insurance to protect the money you deposit into checking, savings and other bank accounts in the event of a bank failure. We don’t hear much about U.S. bank failures these days, but when President Franklin D. Roosevelt signed the Banking Act of 1933, there was no insurance coverage for bank deposits and consumers ran the risk of losing their money.

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identity theft protection

Protect Yourself From Identity Theft

As most of us have seen in the news somewhere by now, Target, Neiman Marcus, Michael’s and their customers experienced a personal data security wake-up call a couple of months ago. Up to 70 million Target customers1 were exposed to potentially damaging personal data theft that could threaten the safety of each shopper’s credit and debit card information.

 

If identity thieves are able to steal your personal information, they can take actions like open accounts in your name, gain access to your medical coverage and even file tax forms to collect your tax return. Identity theft is still on the rise in the U.S., with more than 12 million victims in 2012, one million more than the previous year2.

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Identity Theft

Warning Signs of Identity Theft

In 2012, 12.6 million U.S. adults were victims of identity theft. This equates to 1 incident every 3 seconds. When identity theft strikes, it costs the average consumer around $365 in unrecoverable funds and time missed from work to close fraudulent accounts and deal with reestablishing their credit.1

With your personal information, thieves can withdraw money from your bank account, make charges on your cards, open new accounts in your name and get medical treatment using your health insurance. By recognizing the indicators of ID theft, you can help keep the damage from spreading. Here are some common red flags to watch for.

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