Vacations are meant for relaxation, not financial stress.
Unfortunately, scammers know that travelers are often distracted, in unfamiliar
environments, and more likely to let their guard down. Whether you're heading to
a neighboring state, across the country, or overseas, staying alert to common
scams can help protect your money and your peace of mind.
Below are some of the most frequent schemes targeting
travelers — and how to avoid them.
1. ATM Skimming and Card "Shimming"
Criminals sometimes attach devices to ATMs that capture card
information or record PIN entries. Some warning signs to look out for include:
- Loose or bulky card slots
- Keypads that feel raised or "off"
- ATMs located in dimly lit or isolated areas
How to protect yourself:
- Use ATMs inside banks or reputable businesses
- Cover the keypad when entering your PIN
- Enable card alerts through online banking
2. Overcharging and Payment Diversion Scams
Some scammers pose as hotel staff, tour operators, or rental
hosts and request payment through unofficial channels. Some commonly used
tactics are:
- "Your booking needs to be reconfirmed — please pay again."
- Fake QR codes at restaurants or attractions
- Requests for wire transfers or person‑to‑person payments (i.e., Zelle, Venmo, etc.)
How to protect yourself:
- Pay only through verified platforms
- Double‑check QR codes before scanning
- Never share card details over the phone
3. Transportation Scams
Travelers often encounter inflated fares, fake taxi drivers,
or rigged meters. When booking transportation, make sure to use official taxi
stands or ride‑share apps, and avoid unmarked vehicles. Also, confirm
the fare before getting in, so you are aware of the prices upfront.
4. Hotel "Front Desk" Phone Scams
A scammer calls your hotel room pretending to be the front
desk, claiming there's an issue with your payment, with the goal of retrieving
your card number.
If you believe this is happening to you, hang up and call
the front desk directly. Never share
payment information over the phone unless you initiated the call.
5. Fake Tickets and Tours
Scammers sell counterfeit tickets to attractions, events, or
transportation. Protect yourself by only buying tickets from official websites
or authorized vendors, and be cautious of deals that seem too good to be true.
Smart Travel Starts with Smart Banking
Before you leave:
- Set up travel notifications in online banking or by calling (866) 561-4090
- Enable transaction alerts through online banking
- Consider traveling with a credit card instead of a debit card
While you're away:
- Monitor your accounts regularly through online banking
- Report suspicious activity immediately
- Use secure payment methods whenever possible
Travel should be exciting, not stressful. By staying aware
of these common scams and taking a few simple precautions, you can focus on
making memories while we help keep your financial information safe.
