Here at Community Financial, we take our members’ safety very seriously. We use multiple protective measures to keep you, your information and your money safe when you use one of our ATMs. However, it’s important for you, as the member, to be aware of basic ATM safety so your transactions are never compromised. As with all banking platforms, you are the first and best defense for protecting your personal information and your money. Here are 10 tips to help you keep your ATM transactions completely secure.
1.Keep your PIN private. Your personal identification number should always be kept personal. Don’t share this number with anyone and don’t write it down anywhere or keep it stored in your phone. It’s also a good idea to choose a unique PIN for all your accounts and to change your number once a year to keep it fresh.
2. Check the ATM for a card skimmer. Scammers are
experts at hiding their tracks and often do so by attaching a card skimmer to
the payment terminal of an ATM. The skimmer fits right over the card slot and
will read the card information as soon as it’s inserted. It is then passed onto
the criminal, who may be hiding just a few hundred feet away. Sometimes, a
skimmer is instead placed over the keypad to pick up the PIN. Look for a
skimmer by checking to see if the card slot feels loose, is colored differently
than the rest of the machine, or if the keypad is too thick or looks newer than
the ATM.
3. Bring a buddy. A lone target is always more
vulnerable. If possible, and especially if you’re using an ATM late at night,
bring a friend along.
4. Be aware of your surroundings. As you use the
machine, it’s crucial to be aware of your surroundings and to look for anything
suspicious, like characters lurking nearby or dark cars parked in the area for
far too long.
5. Use your body as a shield. Never let an ATM
you are using be in easy view of a criminal. Stand close to the machine to
block it from view and cover the keypad with your hand while you input your
PIN. This way, no one will be able to steal your information just by watching
you complete your transaction.
6. Have your debit card ready to be used. Make
sure you can remove your card in just a few seconds when you reach the ATM.
Those precious few moments of rummaging through your purse or wallet until you
find your card can give a criminal the time they need to make their move.
7. Put away all cash as soon as you complete your
transaction. If you’re making a withdrawal, be sure to move all cash
out of sight as soon as the machine spits it out. Have your wallet or an
envelope ready so this takes as short a time as possible. Never count cash in
public; you can check that you’ve received the right amount when you’re safely
in your car.
8. Lock all doors and roll up passenger windows when
using a drive-thru ATM. If you’ll be remaining in your vehicle to
complete your transaction, keep it as secure as possible.
9. If you suspect foul play, leave immediately. If
something, or someone, looks suspicious, cancel your transaction, grab your
card and leave the area as soon as you can.
10. Be sure to take your receipt. Don’t leave any evidence of the transaction you just completed.
If you think you’ve been the victim of ATM fraud, report it
immediately and keep all related documents in case investigators need them. If
you have questions about ATM security and how to keep your identity and account
safe, please reach out to our dedicated team members at (877) 937-2328. For more information about identity theft safety,
visit cfcu.org/IdentityTheft.
Stay safe!
Your Turn: How do you protect your information
and your money when using an ATM? Share your tips with us in the comments.
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