Financial Security and Travel
To protect your card from fraudulent and unauthorized activity, access to your Peoples Bank issued Visa Debit and ATM cards(s) is restricted from use in certain high-risk areas of the world.
Enjoy Financial Security While You Travel
Using credit cards while traveling is easier and safer than ever. You no longer have to rely on traveler’s checks or carry large amounts of cash to exchange. If you want to keep track of your purchases all you need to do is log in to your account from the nearest computer anywhere in the world.
While the use of credit and debit cards makes traveling easier, it also means being more prepared before heading out on your next big vacation. Consider these best practices when using electronic payments abroad.
1) Inform your debit and credit card companies of your travel plans.
One of the best things you can do to protect yourself is notify your bank and other card issuers when you are planning any travel outside of the United States. Informing your banks that you plan to make purchases outside of your normal habits and geography allows us to make a note on your account and allows for international transactions to be completed without hassle.
2) Know what fees may be assessed.
Foreign ATMs provide you with local currency using current exchange rates, so only withdraw what you need. It may also assess a fee for each withdrawal, so try to avoid over-use and find a machine with the lowest finance charges possible. Credit card companies may charge a fee for foreign transactions, which can add up quickly. Do your research before your trip to ensure you're able to access funds with the minimal fees.
3) Protect yourself and have a back-up plan.
Let's face it, sometimes payment cards are lost or stolen, so make sure you have a plan if this happens to you. For example, keep an extra card or cash in your hotel safe or other secured location. Many people are also carry debit or credit card information along with other important documents in encrypted digital form while they are traveling. If your credit card is lost, you simply decrypt and open the file on a computer to access a copy of your card and all of the important information you need. Finally, always cover and protect the keypad when entering your pin number.