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Get an alert for every transaction and every change
You hear about every payment and every account change as it happens, not on next month's statement.
Why it matters: Fraud is cheapest to fix in the first hour. Alerts turn a surprise on next month's statement into a notification you can act on now.
Do it
- In each bank and card app, turn on alerts for all transactions, not just large ones.
- Turn on alerts for new payees, changes to contact details and new device sign-ins.
- Turn on the same alerts in payment apps.
- Save your bank's fraud number from the back of your card into your phone contacts.
Say this: If an alert shows a payment I don't recognize, I call the number on my card right away.
Check it worked: Your bank, cards and payment apps notify you of every payment, new payee, address change and new device sign-in.
Simply put
Alerts are like a doorbell for your accounts: you hear every arrival, not just the loud ones. A strange payment or a changed phone number is cheapest to fix in the first hour.
In detail
Change alerts are the most valuable and the least used. A criminal who takes over a bank account usually changes the phone number or email first so your alerts go to them.
If this is new to you: Worried about a flood of notifications? You'll get one for each payment, which is the point. They're quick to glance at, and they make anything odd stand out.
Points toward the Long View: a money trail you see in real time, wherever payments come from.