ATM Security Tips

Keeping Your Debit/ATM Card Secure

• Treat your Debit/ATM card like cash.
• Keep your PIN secret.
• Take your ATM receipt with you. Don’t leave it at or near the ATM.
• Do not give out any information about your Debit/ATM card over the telephone.
• Report a lost or stolen card at once.
• Check your receipts against your monthly statement to guard against ATM fraud.

Security When Using an ATM

• Always observe your surroundings before conducting an ATM transaction.
• If an ATM is obstructed from view or poorly lit, go to another ATM.
• If at a drive-up ATM, keep your engine running, doors locked and windows up while waiting for your transaction to process.
• When possible, take a companion along when using an ATM, especially at night.
• Minimize time spent at the ATM by having your card ready to use.
• Stand between the ATM and anyone waiting to use the terminal so others cannot see your PIN or transaction amount.
• If you see anything suspicious, cancel your transaction, do not use the ATM, and leave the area immediately.
• If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lit area and call the police.

Skimming

Skimming occurs when a criminal attaches a phony card reading device over the real card reader on the ATM, gas pump card reader or other credit card readers.  The phony device looks identical to the real device, and it is equipped with electronic recorders that will capture your Debit/ATM card information.  The data is used to create a “cloned” card, which can be used at a later time to withdraw funds or make purchases.

• Before using the ATM or any other device where you swipe or insert your card, give the card reader a tug to ensure it is securely fastened.  Be suspicious of any equipment that looks out of place, is loose, crooked or damaged.
• When entering your PIN, cover the keyboard with your other hand to prevent possible hidden cameras from recording your PIN.