Connections

The holiday season is a time for joy, but it’s also a time when scammers are on the lookout for opportunities to take advantage of your generosity and busy schedule. At Heritage Community Credit Union, your financial security is our top priority. Follow these tips to recognize and avoid common holiday scams and keep your holidays merry and bright.

1. Watch Out for Fake Charities

Scammers often pose as legitimate charities, tugging at your heartstrings to steal your money. Before donating:

• Research the charity on websites like CharityNavigator.org.
• Avoid pressure to give immediately, especially over the phone or online.
• Pay through secure methods, never gift cards or wire transfers.

2. Be Cautious with Online Shopping

Cybercriminals use fake websites and phishing emails to trick shoppers.

• Verify website URLs; look for “https” and a padlock icon.
• Don’t click on links in unsolicited emails or texts. Instead, visit the retailer's website directly.
• Use your Heritage Rewards Credit Card for added fraud protection on purchases.

3. Protect Your Personal Information

Identity theft is rampant during the holidays.

• Never share sensitive information like Social Security or account numbers unless you initiated the contact.
• Beware of public Wi-Fi for online shopping—use a secure network instead.
• Monitor your accounts for suspicious activity using our online banking tools.

4. Steer Clear of Holiday Job Scams

Looking for extra holiday income? Be wary of offers that seem too good to be true.

• Legitimate employers won’t ask for payment upfront or personal banking details before hiring.
• Research companies offering seasonal jobs and confirm their legitimacy.

5. Avoid Package Delivery Scams

Fake delivery notifications often contain malicious links.

• Verify delivery alerts by checking directly with the carrier’s official website.
• Be cautious of texts or emails asking for personal information to “redeliver” a package.

The best defense against holiday scams is staying informed and vigilant. If something feels off, trust your instincts. Heritage Community Credit Union is here to help—reach out to us immediately if you suspect fraudulent activity on your account.

Let’s work together to make this season joyful and secure for all!