Online shopping makes it easy to find what you need, but it also gives scammers more opportunities to steal personal and financial information. At Androscoggin Bank, we want our clients to feel confident protecting themselves online. Before you click “buy,” take a moment to run through this checklist.
Avoid Clicking Links
Scammers may try to direct you to fake websites through emails, texts, or social media. Even if a message appears to come from a familiar brand, it could be fraudulent. Instead, open your browser and type the website address yourself.
Check the Website
Look closely at the URL to make sure it is spelled correctly and matches the business you expected. Scammers often create lookalike websites with small changes that are easy to overlook. If something feels off, leave the site and contact the seller directly.
Research the Product and Seller
Before making a purchase, check reviews, ratings, and the seller’s online presence. Be cautious if there are no reviews or if the reviews seem repetitive, overly positive, or otherwise suspicious.
Look for Red Flags
Be wary of deals that seem too good to be true. Scammers often use phrases like “buy now” or “limited time” to pressure you into acting quickly, and unusual requests for information at checkout should raise concerns.
Use a Secure Payment Method
When possible, use a credit card or trusted digital payment option. These methods may offer additional fraud protections and make it easier to dispute unauthorized charges. Avoid paying unfamiliar sellers with wire transfers or gift cards, which can be difficult to recover.
Save Receipts and Confirmation Details
Keep copies of order confirmations, receipts, and tracking information. These records can be helpful if you need to dispute a charge, report a problem, or verify a purchase later.
Don’t Save Your Information on Unfamiliar Sites
Saving payment information can be convenient, but it also means more of your information is stored by the retailer. Only save your information on websites you know and trust. When in doubt, enter your payment details manually.
A Few Extra Seconds Can Make a Big Difference
Scammers rely on people moving quickly and overlooking warning signs. If something doesn’t feel right, pause and take another look before completing your purchase. A few extra seconds could help protect your money and your identity.
If you believe you have been a victim of fraud, contact us immediately. We can help you determine the appropriate next steps to protect your accounts and information. If you believe your identity or personal information has been compromised, you should also report the incident to the appropriate authorities and monitor your accounts closely.
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