5 Must-Knows for Safe Online Shopping
While online shopping is an easy way to make purchases, it's also an easy way for fraudsters to trick you into costly scams. Here's how to stay safe.
Online shopping makes it easy to purchase everyday essentials, find great deals, or pick out the perfect gift in seconds. Unfortunately, it also makes it easier for fraudsters to trick shoppers into costly scams.
The good news? A few smart habits can go a long way in protecting your money and personal information. Here are five must-knows to help you shop online with confidence.
Watch for deals that are too good to be true.
Stick with well-known retailers and official brand websites whenever possible. If you see a deal on social media or receive an email that promises a brand-name product for an unbelievably low price, trust your instincts — it’s likely a scam.
Fraudsters often use fake ads or phishing emails to lure shoppers to look‑alike websites. Once you click the link and enter your payment information, you may never receive the product, and your card details could be compromised.
Before entering any personal or payment information, check that the website’s URL starts with “https” and that a padlock icon appears in the address bar. The “s” indicates the site is encrypted, making it harder for hackers to steal your information.
When in doubt, take a moment to research the seller. Look for reviews, ratings, and any red flags. Legitimate businesses usually leave a digital trail of real customer feedback. Be cautious if all or most of the reviews were posted recently, as this can signal suspicious activity.
Pay with security and peace of mind.
When it’s time to check out, choose secure payment methods that add an extra layer of protection.
Using a mobile wallet, for example, can help safeguard your information. Each online purchase uses a unique virtual card number, so your actual credit or debit card number stays hidden. Many mobile wallets also require Face ID or a fingerprint, helping ensure it’s really you making the purchase.
Avoid public Wi-Fi.
Public Wi‑Fi networks — like those in coffee shops, airports, or hotels —aren’t secure. Anyone on the same network could potentially see what’s happening on your device.
Avoid shopping online or logging into financial accounts while connected to public Wi‑Fi. Instead, wait until you’re on a trusted, private network before entering passwords or payment information. This simple habit helps reduce the risk of stolen credentials and unauthorized transactions.
The more unique your passwords, the better.
Even a “strong” password becomes weak if it’s reused — because one breach can expose multiple accounts.
Avoid easily guessed information, such as birthdays or common words. Instead, use a unique mix of letters, numbers, and special characters for each account. A reputable password manager can help you create and store strong passwords without having to remember them all.
Whenever possible, turn on multi-factor authentication. This added step sends a one‑time code via text or email, making it much harder for someone else to access your account — even if they have your password.
Keep an eye on your accounts.
Staying alert after you shop is just as important as being careful at checkout.
Set up Account Alerts in your FAIRWINDS Mobile App or Online Banking, so you’re notified in real time about balance changes, withdrawals, deposits, and other activity. Spotting something unusual early can help you act quickly and limit potential damage.
Shopping online should feel convenient — not stressful. By building a few smart habits, you can protect your money, your information, and your peace of mind. Remember, it’s not just about finding the best deal. It’s about staying in control while you shop. Stay alert, pay securely, and shop with confidence.