ATM Skimming and Safety Tips

WHAT IS ATM SKIMMING?

ATM skimmers are devices installed by criminals on an ATM that record or transmit your card information. To protect yourself from this crime, there are some things you should look for:

1. Skimming Device – A plastic or plaster device on the card reader that captures data from the magnetic strip.
2. Keypad Overlay – A false keypad placed on top of the ATM keypad that records your PIN code.
3. Hidden Camera – A concealed camera behind a false screen that records your activity.

ATM SAFETY TIPS

1. Watch out for “skimmers” – Do not use an ATM that looks as if someone has attached a device or a camera to it. If you are unsure, report your suspicions to the bank or manager at that location. Criminals tend to attach devices during the holidays or times of low traffic, including late at night and early in the morning. Generally, these devices are only left on for a couple of hours.
2. Protect your card and PIN – Don’t write your Personal Identification Number (PIN) on your card. If your card is lost or stolen, report it immediately. It’s important to make sure no one is watching you type in your PIN. You can shield the keypad with your body and/or hand.
3. Be aware of your surroundings – Use extra caution when using an ATM at night. If the lights aren’t working or if shrubbery blocks the view, don’t use it.
4. Lock your car – If you leave your car and walk to the ATM, turn off the ignition and lock your car. If you use a drive-up ATM, be sure to roll up all windows except the driver’s and lock your car doors.
5. Be prepared – Have your ATM card ready in your hand when you approach the machine.
6. Count your cash later – Put away your money and receipts as quickly as possible; your safety is most important and any discrepancies or ATM malfunctions can be handled with the bank afterwards.
7. Take the receipt with you – Never leave the receipt behind. Discarded ATM receipts can be used for identity theft and account hijacking.

If you have any questions about this article, feel free to stop by the office or give us a call.