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General News

 
Think you know the score when it comes to online shopping? Unfortunately, scammers are usually one step ahead! They come up with something new every time their latest scheme gets blown wide open. It’s important to be vigilant whenever you're checking out a tempting offer or clicking an intriguing pop-up advertisement.

South Georgia Banking Company would like to provide you with some solid rules of thumb on how to avoid online shopping scams this holiday season.
 
Do Your Research
Generally speaking, you’re okay when you buy from established online retailers and from websites of well-known brands, but you might be tempted to stretch your dollar by buying from an unknown site offering similar products at much lower prices.

Before committing to anything, check out the website online, looking particularly for user reviews as well as badges from consumer protection agencies. Doing so allows you to check any negative reports about the company or their merchandise.

Buy Only From Secured Sites
 
When you do your online shopping, you'll have to provide financial information; most likely this will come in the form of your credit card details. No matter how secure a site may be, it's important to realize that putting credit card information on the internet carries an inherent risk; therefore, it's important to minimize that risk with these tips:

• Make sure that the website you are shopping on has all the signs of being legitimate. The easiest is to check if the URL begins with an “https” because that means the website is a secured one. The "s" indicates an additional layer of security known as an SSL or Secured Socket Layer.

• Another way to determine the level of security on a website is to search the domain name on a domain search website to check the create date, such as WhoIs.DomainTools.com or other domain checked sites. Older websites tend to be more reliable than newly-formed ones; sometimes, newer sites can be fake online shopping sites that usually disappear after a short while. Again, search online for reviews of the company.

• Key Point: You should also look for well-known security labels such as VeriSign and McAfee. Payment options should include third-party payment services such as Visa, MasterCard, and PayPal. Beware of websites that only accept money orders or wire transfers; it's a sure sign you will not get what you pay for and that you will never get a refund even if you lodge a dispute.

Maximize Credit Card Protection Services

If you determine the website is reliable, that does not mean your personal information is safe. One of the most insidious online shopping scams is when hackers obtain your credit card information from secured sites. If your credit card company offers a unique credit card number you can use for specific sites, you'd be wise to use it.

Check your credit card statements for any unusual or unauthorized charges and promptly report suspect findings to your credit card company. Many have insurance against consumer fraud, so you won’t be liable for fraudulent charges. If your credit card issuer doesn't have that kind of protection, find one that does, especially for online purchases.

Keep Your Personal Information Personal

No legitimate online shopping website will require information such as your mother's maiden name or your Social Security number. Credit card companies also don’t ask for your password over the Internet or the phone.

Read the Fine Print
Always read the fine print in any transaction. Many people develop a blind spot for text that appears to be legalese or in small print, but you need to read the terms and conditions because they contain important information that can impact on your rights as a consumer.

South Georgia Banking Company is committed to arming our customers with the knowledge to keep your finances safe while enjoying the convenience of online shopping. As always, we are here to answer any questions.
 

UPDATE: Our online banking update has been delayed. When a new launch date is available, we will give you an update.

South Georgia Banking Company is excited to announce the unveiling of our newly enhanced online banking service! The new site provides all of the same functionality you have been accustomed to while introducing new features in a fresh, easy-to-use interface. We are thrilled to offer our customers the latest in internet banking technology. This enhancement is scheduled to roll out October 21, 2018.
 
Exciting new features:
• Responsive design for users on the go
• Simplified navigation menu
• Supportive of touch-screen technology devices
• Enhanced account information display
• Redesigned screens for account information, internal transfers, loan payments, user information, and messaging.

Important things to note:
• Ensure your contact information and email address are up-to-date
• Your Access ID and password will not change
• All transaction history will remain
• All scheduled transfers will remain

Thank you for your business and support of this change. Should you have any questions, please contact us at 1.888.782.4211.