ATM and Card Security


ATM Safety Tips:

  • –  Keep your PIN number a secret.  Never write it down or share it with anyone.
  • –  Be aware of your surroundings, particularly at night.  Make sure the ATM is free of sight obstructions and the area is well lit.
  • –  If you observe suspicious persons or circumstances, do not use the machine.
  • –  Do not use an ATM if the machine looks like it has been tampered with in any way.  Beware of any foreign object or device attached to the ATM.  Make sure the card slot is secure on the machine.
  • –  Have your ATM card ready and in your hand as you approach the ATM.
  • –  Use your body to “shield” the ATM keypad as you enter your PIN.
  • –  Always take your receipts or transaction records with you.
  • –  Do not count your money at an ATM.  Immediately put your money into your pocket or purse and count it later.
  • –  Keep your car running, doors locked, and windows up when at a drive-up ATM.
  • –  If you leave your car and walk to the ATM, lock your car.
  • –  Do not accept offers for help from strangers during ATM transactions.
  • –  If you are followed after a transaction, go to the nearest public area and notify the police.
  • –  Beware of fake or “Ghost” ATMs.

 

 

How to Detect ATM Skimming Devices:

To steal your information, thieves install electronic devices called “skimmers” over the normal card reading slot of ATM machines.  These skimmers record the data from the magnetic strip on the back of your card.

A tiny camera is often hidden near a skimmer to record your PIN as it is entered.

The thieves then use all of the information they have gathered to manufacture counterfeit cards, make purchases and withdraw funds from your accounts.

Tips for Consumers:

  • –  Be wary of anything about the ATM machine that looks out of the ordinary, such as odd-looking equipment or wires attached to the device.
  • –  Look for a “No Tampering” sign.  Crooks often place these to stop anyone curious about an odd piece of equipment on the machine.
  • –  If you see anything unusual or suspicious around an ATM, or if you discover a skimming device on the ATM, notify the police immediately.  Do not attempt to remove the device because thieves who install the skimmers often lurk nearby.

 

 

Debit and Credit Card Security Tips:

  • –  Memorize your PIN number.  Never write it down or store it with your card.
  • –  Only shop on secure websites.
  • –  Never send your card number via e-mail.
  • –  Check statements for unfamiliar transactions.
  • –  Report a lost or stolen card immediately.

To report a lost or stolen Check Card, call 1-800-454-8969.

  • –  Report fraudulent transactions immediately.
  • –  Carry only the cards you need.
  • –  Keep a record of all credit and debit card numbers and cancel the card as soon as you suspect that it is missing or has been misused.