Whatever your current payment of choice is, you need to exercise caution. Below are some tips to keep your money safe and protect yourself from identity theft.
When using cash:
§ Be mindful of change artists - they will dazzle and confuse you with their tactics and you will walk away with less money.

§ Keep your receipts. If you pay for a service with cash, but also gave the business your credit card for reservation or for another purchase, keep your receipts for 30 days.

§ Keep your cash safe and do not talk about how much cash you have in front of strangers. If you need to carry an excessive amount of cash when traveling, consider using the widely accepted travelers cheques.

When using a debit card:
§ Always protect your ATM card and keep it in a safe place.

§ Do not leave your ATM card lying around the house or on your desk at work. Immediately notify your bank if it is lost or stolen.

§ Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.

§ Never give any information about your ATM card or PIN over the telephone.

When using an ATM:
§ Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.

§ Have your ATM card ready and in your hand as you approach the ATM.

§ Be careful that no one can see you enter your PIN at the ATM.

§ Always take receipts or transaction records with you.

§ Do not count or visually display any money you received from the ATM.

§ If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

When using a credit card:
§ Review your statements immediately after you receive them and telephone your credit card company if there are unauthorized charges. Make sure you follow-up with your credit card company in writing.

§ Never let your card leave your sight.

§ Always take your receipts and, if no longer needed, shred them after you have received your statement.

§ Use only one credit card for online purchases. That way, if something amiss happens, it will be easier to spot on your bill.

§ When making an online purchase, look in the lower right hand corner of your browser window. If you see the icon of a lock, it means you're dealing with a secure site. If you don't see one, you'll be safer finding another merchant. Also, check out Web site privacy policies. Shy away from sites that don't specifically say that they won't pass your name and information around to others.