Money Travel Tips

Notify your bank when you will be traveling (where and dates) if you intend to use a credit card to avoid a fraud alert being placed on your card and having your legitimate charges denied. Large purchases in exotic locales signal your bank that your card may be being used for fraudulent purposes. This is for your protection, but can be a hassle so notify your bank prior to traveling.

Stop mail and paper delivery prior to your departure.

Obtain travelers checks from your local bank or Credit Union (usually at no charge). Dual signature checks that can be used for both you and your spouse are available. Keep the receipts in an alternate location in the event of theft.

Lock up valuables in the hotel room safe or the safe at the front desk.

Wear a passport holder around your neck to store valuables like cash and your passport or tickets.

Keep alert; recognize that pickpockets may create a diversion (bumping in to you for example) as a way to have their partner lift your billfold. Be aware of your surroundings. Don't take large amounts of cash into a crowd.

Keep your pants pocket (which houses your billfold) buttoned.

Keep your purse secured by zipping or latching the top closure. Keep your purse held closely to your body and the latch facing inward.

Be smart; never leave bags unattended or ask a stranger to hold your expensive camera case while you fish out a tip for the taxi driver.

Leave extra credit cards at home to avoid a hassle in the event of the loss of your billfold or a theft. Keep a record of all your cards (photocopy front and back) so you can report a loss as soon as you become aware of it. Keep this record in the save of in a secure place to avoid a security breach.

If you are traveling this summer you might need to use an ATM that you are not accustomed to using. Here are a few tips to protect you against fraud:

• Watch for ATMs that appear to have been altered in any way. If ANY part of the machine looks crooked, loose, or damaged, it could be a sign that the machine has had a skimming device attached to it. Report this to the bank.
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• Don't use ATMs with unusual signage or prompts (such as entering your PIN twice to complete a transaction).

• Cover the keypad on the machine when entering your PIN number to block anyone or a camera from viewing your PIN.

• NEVER use an ATM when suspicious individuals (or any individual) are standing nearby.

• Always use a drive up ATM in areas you are unfamiliar with.

HAPPY TRAVELS!

By Diana from Prospect, KY