Traveling offers a much-needed break from daily routines, but it also opens the door to potential financial risks. Whether you’re heading across the country or overseas, a little preparation can go a long way in keeping your accounts, cards, and identity safe.

These financial safety tips while traveling will help you enjoy your trip without worrying about fraud, blocked transactions, or lost access to your money.

1. Set a Travel Notice in Online Banking

One of the most important steps you can take before a trip is to set a travel notice with your credit union or bank. This lets your financial institution know when and where you will be traveling. Without it, out-of-area transactions may be flagged as suspicious and your card could be frozen.

If you are a member of Velocity Community Credit Union, you can set your travel dates quickly through online or mobile banking. Make sure to include all destinations and dates to avoid interruptions.

2. Use Mobile Banking to Monitor Activity

Before you leave, make sure your mobile banking app is downloaded and working properly. This allows you to check balances, review transactions, and report issues from anywhere.

Review your account activity daily while traveling. If you notice anything suspicious, contact your financial institution right away.

3. Limit the Cards You Bring

Carry only the credit and debit cards you plan to use on your trip. Leave unnecessary cards at home in a secure place. Fewer cards means less risk if your wallet is lost or stolen.

Make a list of your card numbers and contact info, then store it securely. Do not carry this list with you. Instead, leave it with a trusted family member or store it in a password-protected file.

4. Avoid Public Wi-Fi for Financial Transactions

While public Wi-Fi can be convenient, it is also a common target for hackers. Avoid logging into online banking or entering payment information when connected to public networks at airports, hotels, or cafes.

If you must access your accounts while traveling, use your mobile data or a secure virtual private network (VPN) for added protection.

5. Let a Trusted Contact Know Your Itinerary

Share your general travel schedule with someone you trust. In the event of lost access to your accounts or an emergency, this person can help contact your bank or provide needed information.

This is especially helpful if you are traveling internationally and may experience delays in communication.

6. Set Up Account Alerts

Turn on account alerts through online banking before your trip. These alerts notify you of any new charges, withdrawals, or balance changes. If a charge appears that you did not authorize, you will be able to catch it immediately.

Many financial institutions, including Velocity Community Credit Union, offer customizable alerts that can be sent via email or text.

7. Use Credit Cards for Purchases When Possible

Credit cards typically offer better fraud protection than debit cards. When traveling, use your credit card for purchases like hotels, restaurants, or excursions. This provides a buffer between your daily funds and potential fraud.

Just be sure to track your spending so you stay within budget and avoid surprises when the bill arrives.

8. Keep Emergency Cash in More Than One Place

While digital payments are common, some situations still call for cash. Bring a modest amount of local currency, and avoid keeping it all in one spot. Split it between your wallet, a hotel safe, or a secure travel pouch.

This reduces the risk of losing everything if your bag or wallet is stolen.

Final Thoughts

Vacations should be relaxing, not stressful. Following these financial safety tips while traveling can help protect your finances and give you peace of mind. Taking a few minutes to prepare before your trip can save you from major disruptions later.

Travel smart, stay alert, and enjoy your time away knowing your financial safety is covered.

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