ATMs are a convenient way to access your money 24/7. But with convenience comes a responsibility on the part of the user to keep you and your information safe.
Here are some simple steps you can take to assure a safe and rewarding experience when using any ATM:
- Always protect your debit or credit card and keep it in a safe place, just like you would cash, checks and other cards. If lost, notify the issuing bank immediately.
- Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.
- Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
- Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
- Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.
- To keep your account information confidential, always take your receipts or transaction records with you.
- Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
- If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
Special Precautions for Using an ATM at Night:
- Park close to the ATM in a well-lighted area.
- Take another person with you, if possible.
- If the lights at the ATM are not working, don't use it.
- If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.
Skimming
Skimming is a crime where thieves attach a device to an ATM, commercial fuel pump, etc. to capture your card information. These skimmers are designed to look like normal equipment.
Check the ATM
Visually inspect the ATM for possible skimming devices and small cameras. The card slot may stick out farther or look newer than the machine. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad. Small cameras can be attached to the ATM to capture your PIN as you enter it.
Cover Your Keypad
Use your hand to cover the keypad as you enter your PIN with your other hand.
Report Any Suspicious Activity
If something seems strange or suspicious at an ATM location, report it to the bank immediately. Do not remove any suspected skimming device. Find another ATM to use.
Review Your Statements Regularly
View your bank and card statements on a regular basis. Watch for suspicious charges and report any suspicious transactions to your financial institution.