If you believe you have been the victim of ATM fraud, report it immediately.
ATM/Debit Card & PIN Security Tips
- Use a different PIN for each of your ATM/debit cards
- Create a PIN that is unique, but not easily guessed (avoid birth dates, addresses, etc.)
- Keep your PIN secret; do not share your PIN with others
- Do not store the PIN and card together in your wallet or purse
- NEVER write your PIN on your card
- Keep your card in a safe location at all times
Watching for Skimmers and Cameras
Scammers may attach a small device over the card slot of an ATM. This device is a skimmer and it records the magnetic stripe information of every card inserted. Typically, the scammer also places a tiny camera on the machine to record the entry of the PIN. With the card number and PIN, the criminal can now create a duplicate card and withdraw money.
Look at the ATM. Ask yourself these questions:
- Is there anything attached that looks out of place?
- Is the card reader attached to the machine strangely (sticking out, crooked, glue or tape, etc.)?
- Does any part of the machine appear to have tampered with?
If you have answered yes to any of these, do not use the ATM. Contact the police and/or the ATM owner right away.
Location, Location, Location
ATMs in unusual or out-of-the-way locations can present a security risk. Those ATMs located in bars, restaurants, or convenience stores may not be inspected for tampering very often. The ATMs at banks and credit unions are usually well-maintained and checked often.
Be aware of your surroundings. Are you physically safe if you use that machine? Is there a stranger hanging around the ATM? Be aware of your surroundings (especially at night) and anyone around you to protect yourself, your possessions, and any money you have or can withdraw from the ATM. Refrain from displaying your cash from the ATM and quickly place it in your wallet or purse. If emergency assistance is needed, call the police.