Staying Safe While Shopping Online with Your Debit Card

Below are some tips to stay safe while shopping online with your debit card

Shop from Trusted Websites Only

Stick to reputable online retailers with secure, well-established websites. Look for:

• HTTPS in the URL (the “S” stands for secure).

• A padlock icon next to the web address.

• Clear contact information, return policies, and customer reviews.

Avoid unfamiliar websites or deals that look too good to be true—they often are.

Use a Digital Wallet

Digital wallets (like Apple Pay, Google Pay, or PayPal) add another layer of protection by not exposing your actual debit card number during the transaction.

Avoid Public Wi-Fi

Never shop online using public Wi-Fi, such as in cafes or airports. These networks are often unsecured, making it easy for cybercriminals to intercept your data. If you must use public Wi-Fi, consider a VPN (Virtual Private Network) to encrypt your connection.

Monitor Your Bank Account Regularly

Check your bank statements frequently for any unauthorized transactions. Bank of Monticello offers mobile alerts for every transaction—enabling real-time monitoring.

If you spot suspicious activity, report it to your bank immediately. Acting quickly can limit your losses and make it easier to recover stolen funds.

Set Spending Limits

If your bank allows it, set lower daily spending or transaction limits on your debit card. This won’t stop fraud entirely but can limit the damage in case your card information is compromised.

Be mindful of “free trials”

Most trial offers come with an explicit agreement to continue the service at the full rate. If you plan to keep the service, that is no problem. But if you are simply trying something before fully committing, look for details of the trial period and cancel before you accidentally commit.

Stay informed, stay cautious, and shop smart.