Point of Contact is Mr. Terry Richards (505) 702-3592
06/2026
NEW SAFETY AND SECURITY ARTICAL
Places Not to Use Your Debit Card
Debit cards are convenient and fast, but they come with risks that many people don’t realize. Unlike credit cards, debit cards are directly linked to your bank account, which means unauthorized charges or fraud can immediately impact your available funds. While debit cards are safe for everyday purchases, there are some situations where it’s better to reach for cash or a credit card instead. Here are five places you should think twice before using your debit card.
Gas Stations (Especially Self-Service)
Gas pumps are a frequent target for skimmers—small devices that steal your card information. When you swipe or insert your debit card at a pump, you’re exposing your account to potential fraud. If your debit card is compromised, scammers can access your checking account immediately, which can take time and paperwork to resolve. Using a credit card at gas stations adds an extra layer of protection since fraudulent charges don’t directly touch your bank account.
Hotels and Car Rentals
Hotels and rental car agencies often place temporary holds on your card for incidentals, damages, or late fees. These holds can tie up hundreds of dollars from your account for several days, limiting your available funds. While a credit card is ideal here due to its higher spending limits and fraud protection, using a debit card could temporarily prevent you from accessing your own money if the hold is large.
Online Shopping from Unfamiliar Retailers
Online shopping can be convenient, but using your debit card on a site you’re not familiar with can be risky. If the retailer turns out to be fraudulent, your checking account could be drained before you even notice. Credit cards often come with stronger fraud protection and the ability to dispute charges more easily, giving you peace of mind when shopping online.
Restaurants That Require Pre-Authorization
Certain restaurants, especially those that allow bar tabs or large parties, may place a hold on your card for an estimated total plus tip. Using a debit card means this money is temporarily unavailable in your account, which can cause overdrafts or declined transactions if you’re low on funds. Credit cards absorb these holds without affecting your day-to-day cash flow, making them the safer option in these cases.
Traveling Abroad
International transactions come with unique risks. Using a debit card overseas exposes your bank account to fraud and potential currency conversion fees. If your card is compromised while traveling, you might have limited access to funds while abroad. Credit cards often offer travel protection and fraud safeguards, plus rewards for foreign transactions, making them a safer and more rewarding choice when you’re out of the country.
Tips for Safer Debit Card Use
If you prefer using your debit card, here are some safety tips:
- Enable alerts: Many banks allow text or email notifications for every transaction.
- Use chip-enabled cards: Chips are harder to clone than magnetic strips.
- Avoid public Wi-Fi: Never enter your debit card info on public networks.
- Monitor your account regularly: Check your transactions frequently to catch unauthorized charges early.
While debit cards are convenient for groceries, bills, and everyday purchases, exercising caution in certain situations can save you headaches, fraud, and potential financial loss. When in doubt, reach for a credit card instead—it can protect your money while giving you the flexibility you need.
SAFETY AND SECURITY TRAINING MATERIALS
ALL TEACHERS AND MEMBERS PLEASE REVIEW
ACTIVE AGGRESSOR RESPONSE
RUN
Identify the location(s) of the threat
Quickly escape from the threat (via windows, doors, etc.)
Leave belongings behind
HIDE
Block entry to hiding place and lock doors
Hide in area out of the shooter’s view, turn off lights
Silence mobile communication devices
FIGHT
Commit to decisive and aggressive action
Your goal is to incapacitate the shooter
Fight until the threat is neutralized
Consider all of your options: Run Hide Fight
CALL OR TEXT 9-1-1 IF YOU CAN
STAY SAFE!
Pay attention to emergency alerts
Report suspicious activity and individuals
Take note of the two nearest exits in any facility you visit
Help others if you are able to do so safely
If you are in a secure location, stay there until law enforcement enters
WHEN LAW ENFORCEMENT ARRIVES
Remain calm and follow instructions
Put down any items in your hands (i.e., bags, jackets) Keep hands visible at all times
Avoid quick movements toward officers such as holding on to them for safety
Avoid pointing, screaming, or yelling Follow responder’s instructions
Contact your local security POC for additional evacuating information
(Terry Richards 505 702-3592)