Travel opens the door to new places, new experiences — and unfortunately, new risks. Whether you're heading across the country or across the globe, your financial security deserves the same level of preparation as your itinerary. With a few smart habits, you can dramatically reduce the chances of fraud, theft, or account compromise during your trip.
1. Notify Us Before You Leave
This helps:
- Prevent your card from being flagged for unusual activity
- Ensure we can reach you quickly if something looks suspicious on your account
- Reduce the risk of legitimate transactions being declined
2. Enable Strong Authentication
Before you depart, review your security settings:
- Use two‑factor authentication for online banking and other payment apps
- Use biometrics (fingerprint or face recognition) where available
- Update old or weak passwords
These steps make it significantly harder for someone to
access your accounts even if they obtain your device.
3. Carry Multiple Payment Options
Never rely on a single card. Instead:
- Bring at least two cards stored separately (e.g., one in your wallet, one in your luggage)
- Keep a small amount of emergency cash
If one card is lost or compromised, you won't be stranded.
4. Avoid Public Wi‑Fi for Financial Activity
Airport, hotel, and café Wi‑Fi networks are convenient but
risky. Cybercriminals often target these networks to intercept sensitive
information.
Safer alternatives include:
- Using your mobile hotspot
- Connecting through a reputable VPN
- Waiting until you're on a secure, private network
5. Keep Cards and Devices Secure
Physical theft is still one of the most common travel risks.
Protect your items by:
- Using RFID‑blocking wallets or sleeves
- Keeping your bag zipped and in front of you in crowded areas
- Storing valuables in a hotel safe when possible
- Turning on device tracking features (Find My iPhone, Find My Device)
6. Be Cautious at ATMs
If you need cash:
- Use ATMs inside banks or well‑lit, monitored areas
- Inspect the machine for loose card readers or unusual attachments
- Shield your PIN as you enter it
Skimming devices are more common in tourist-heavy locations.
7. Monitor Your Accounts Regularly
A quick daily check can help you catch suspicious activity early. We recommend signing up for real‑time transaction alerts through online banking to help monitor your accounts. If you see anything unusual, contact Red River Bank immediately at (866) 561-4090 or visit www.redriverbank.net/contactus.
8. Prepare for Emergencies
Before you leave:
- Save our contact numbers for general inquiries and lost/stolen cards
- Sign up for online banking if you are not already
- Know how to freeze or lock your cards through the online banking app
- Keep photocopies of your passport and essential documents in a secure location
