Five Tips for Protecting Your Money While on Vacation

Smart Solutions • June 2014

Summer vacation is a time to relax and make memories. But a pickpocket or identity thief can quickly turn your trip into a stressful one you'd rather forget. To avoid that possible fate, follow these five tips for convenient and secure management of your money while you’re on the road.

1. Leave home without it.
Go through your wallet and remove any cards you don't plan to use during the trip. This includes not only debit and credit cards, but also any cards or documents that contain account numbers or passwords you won’t need. The idea is to limit the amount of sensitive information thieves can access if they get hold of your wallet. This will also make it easier for you to do damage control if the worst occurs.
2. Charge it.
Many credit cards have zero liability policies that protect you in the event of fraudulent charges. So if your card is lost or stolen while you’re on vacation, you will not be responsible for a thief’s spending spree. Furthermore, if you make a big purchase on your card and that item is then stolen, many credit card companies will refund the purchase price. Bring a backup card and store it separately from your main card.
Browse available credit cards from Commerce Bank.
3. Prepay it.
For smaller, everyday purchases, a prepaid debit card can be a smart alternative to cash. It’s accepted almost anywhere that credit cards are and comes with many of the same zero liability protections. You can also use it at ATMs and easily reload1 it with additional funds via mobile banking or online banking. Plus, there’s no need to worry about currency conversion.
Learn more about Commerce Bank's prepaid Visa,® mySpending Card.™
4. Take advantage of mobile alerts.
The last thing you want to think about on vacation is taking time every day to find a computer and log into your accounts. With mobile alerts, you don't have to. You can be notified via email or text if:
  • Your balance has fallen below the amount you specified
  • Your balance is above the amount you specified
  • A direct deposit has been received
  • A withdrawal has been made greater than the threshold you specified
  • Your account has become overdrawn
  • Overdraft protection has been activated
  • Your Online Banking Customer ID or Password has been changed
Not only can these alerts help protect your money from thieves, it can also help keep you in line with your vacation budget. Sign up for mobile alerts from Commerce Bank.
5. Get help.
Even the most careful, prepared travelers can’t guarantee 100 percent safety from theft. That’s why it’s a good idea to have a damage control plan.

You can enroll in identity theft restoration services that can help you take appropriate action in the event your information is stolen. A program such as ID Restoration Plus, offered by Commerce Bank together with Deluxe® Provent, can help walk you through the process of identifying and reporting the theft, as well as assist you in contacting other banks, credit card companies and merchants to freeze or close any compromised accounts. This can save you a lot of time and frustration as you try to pick up the pieces after an identity theft. Learn more about ID Restoration Services from Commerce Bank.

Bon voyage!

Now that you know how you can protect your money while traveling, it’s time to get packing — and enjoy your vacation with peace of mind!

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