Mobile payment apps and digital wallets like Venmo, PayPal, Apple Pay, and Google Wallet make sending and spending money fast and convenient. But with that convenience comes the risk of fraud.

Common Risks

•    Scammers pretending to be friends or family asking for money
•    Fake buyers/sellers who never deliver
•    Overpayment scams where you’re asked to “refund” extra funds
•    Lost or stolen phones without proper security

Tips for Staying Safe

•    Use strong passwords, biometric locks, and multi-factor authentication
•    Only send money to people you know and trust
•    Double-check requests before sending funds
•    Report suspicious activity to Goldenwest right away

Why Digital Wallets Can Be Safer

Apps like Apple Pay and Google Wallet add security by using unique codes instead of your actual card number—keeping your information private during transactions.

Mobile payments are safe when paired with smart habits. Stay alert, protect your devices, and remember—Goldenwest will never ask you to send money or share login info.