Many people log in only to check the balance. Level 2 means learning to read the activity itself.

Look for:

• charges you do not recognize
• duplicate charges
• small test charges
• subscriptions you forgot
• cash movements you did not authorize

A quick example: a $1 or $2 charge can be a small test before a bigger theft attempt. Small does not automatically mean harmless.

What to do:

• Review transactions line by line, not just the total.
• Compare the statement to what you actually remember buying or authorizing.
• If something is unclear, check first before assuming it is fine.

This lesson is part of Money & Banking Online from Lumoset Foundation, Fort Wayne, Indiana – free, always, with no account and no catch.