Holiday Shopping Online

Banking Hours and Top 10 Fraud Prevention Tips

The holiday season is here, and while you’re busy shopping online or in stores, fraudsters are also on the move. At People’s Bank of Seneca, we want to help you stay safe while keeping your money secure. Here are our holiday banking hours for your reference:

Thanksgiving Day: Closed
Christmas Eve: Open until noon
Christmas Day: Closed
New Year’s Day: Closed

Here are 10 smart ways to protect yourself and your money while shopping online this holiday season.

1. Never share your username or password

This includes online banking and payment apps like Zelle, Venmo, PayPal, or CashApp. Scammers often pretend they need your login to “issue a refund.” Once they’re in, your money is at risk.

2. Avoid re-using passwords

A recycled password is an open door for hackers. Use a password manager to generate and store strong, unique passwords.

3. Don’t click links in emails

If you want to visit a retailer, type the website directly into your browser. Many scam sites are designed to look exactly like the real thing.

4. Skip attachments offering special deals

Real promotions should be visible within the email. Attachments promising bargains often hide malware.

5. Watch out for suspicious ads and pop-ups

If it sounds too good to be true, it probably is. Ignore pop-ups pushing unbelievable discounts.

6. Stay alert for e-skimmers

Some infected shopping websites steal your card info at checkout. Only enter payment info on secure, trusted sites.

7. Use one dedicated credit card for online shopping

Make sure your card company has your current phone number and email for fraud alerts. If you spot something suspicious, freeze the card and contact your issuer.

8. Never shop on public Wi-Fi

Public Wi-Fi is not secure. Use your home network, your cellular data, or a VPN if necessary.

9. Be cautious with free offers and gift card deals

Survey scams and gift card fraud spike during the holidays. Buy cards only from reputable sources.

10. Monitor your accounts closely

Unexpected transactions may be early signs of fraud or identity theft. Report anything unusual right away.

Enjoy a Safe and Happy Holiday Season

At People’s Bank of Seneca, we want your holidays to be joyful and stress-free. By staying alert and following these simple safety tips, you can shop confidently knowing your money and personal information are protected. From all of us at People’s Bank of Seneca, happy holidays and safe shopping!