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Youre at the checkout when the cashier makesthatface.

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You know this cant be true.

You just got paid, so theres money in your account.

This is a nightmare scenario for most people.

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The good news is that there are some essential ways to keep your money safe from online thieves.

To help you learn how to safeguard your funds from scammers,GOBankingRates talked to experts in the matter.

My top tip is to maintain a healthy skepticism toward unexpected communications.

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Scammers thrive on creating a false sense of urgency, she said.

Lastly, activate two-factor authentication whenever possible; it significantly boosts your security against determined scammers, she said.

But while youre sipping your coffee or people-watching, you might be leaving your financial information exposed to scammers.

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Avoid accessing financial accounts or entering sensitive information when using public Wi-Fi networks, she said.

If you must, use a VPN.

Our web link analysis shows that unencrypted data on public Wi-Fi can be intercepted with relative ease.

Check your bank and credit card statements frequently for any unauthorized transactions.

Many banks offer real-time alerts for transactions, said Zhang.

Weve found that early detection can reduce the financial impact of fraud by up to 70%.

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