Security
None of this is expert advice. It's what people worked out for themselves, usually the hard way — what actually helped, and what they'd tell someone standing where you are. Take what fits and leave the rest.
If you only read a few
Keep cash and valuables in a bank rather than in your vehicle to prevent loss from theft or towing.
Vehicles can be broken into or towed, resulting in the loss of money kept inside.
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If you want to limit exposure from online merchants, use a service that creates virtual debit cards locked to specific websites.
It prevents fraud if the merchant is hacked by ensuring the card cannot be used elsewhere.
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Lock your EBT card digitally to prevent theft, skimming, or unauthorized use by family members.
It keeps your benefits safe from skimming and family members.
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Secure your scooter or bike against theft.
Leaving bikes or scooters outside, even with chains, is insufficient to prevent theft by determined thieves.
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Double-check that online banking signup URLs are legitimate before entering personal information to avoid phishing scams.
to save time and ensure the site is not bogus
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If a form requests unusually detailed financial information, pause and research the request before submitting your data.
The level of detail requested may indicate something is not right with the form.
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When at a bank, speak quietly and avoid verbalizing personal information where others can hear.
Personal details like social security numbers may be overheard by people in the vicinity.
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Ignore random direct messages on social media platforms regarding financial advice.
These messages often come from scammers looking to take advantage of you.
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Do not give money or personal information to strangers who contact you online after you announce a windfall.
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Report fraud to your bank immediately after noticing unauthorized charges.
Banks have less ability or willingness to help recover funds if reporting is delayed beyond a certain timeframe.
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Use a nickname you dislike on credit cards or online accounts to easily identify spam or fraud.
Receiving mail or calls addressed to that disliked name serves as an immediate indicator that the communication is unwanted or fraudulent.
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