Banking & ATM Safety
ATMs are a great convenience but can be easy targets for scammers and thieves. Reduce your chances of becoming a victim of ATM-related crimes with the following safety tips:
- When possible, use an ATM located within a bank location. It may be easier for criminals to tamper with a machine in a non-bank location.
- Inspect the ATM for skimming devices. Con artists may attach devices to card readers to record information as you insert your card. Potential indicators of a skimming device may include sticky residue or evidence of an adhesive to affix the device, scratches, loose or extra attachments on the card slot, or noticeable resistance when inserting a card. Don't use an ATM that looks suspicious or offers options that you’re unfamiliar with.
- Remain aware of your surroundings during the ATM visit. Be vigilant of anyone trying to help you with ATM transactions, or anyone sitting in a parked car nearby. Be especially careful when using ATMs in crowded places (like high tourist areas) as you are less likely to see someone watching or videotaping activity at the ATM in a large crowd.
- If you are using an indoor ATM that requires your card to open the door, don’t let anyone in that is not with you. Once inside, make sure the door is closed before proceeding with the transaction.
- Cover the ATM keyboard while you type in your PIN. Don't allow anyone to look over your shoulder as you enter your PIN.
- Make sure to quickly put away your money, card and receipt before leaving the ATM. Don't display or count cash at the machine or in public.
- At a drive-up ATM, keep the car running, lock all doors and close all windows except your own. When using an indoor ATM, be sure to park close to the machine in a well-lit area, lock the car and take your keys with you – don't leave the car running.
- Always request a receipt for your ATM transaction. Compare your receipts to your monthly bank statements. Closely monitor your statements, as well as your balances, and immediately report any discrepancies to your bank.
- If your ATM card is lost or stolen, report it to your bank immediately. Report any unauthorized use of an ATM machine or ATM card to your bank immediately. Request a replacement card if you believe your card has been stolen, lost, misplaced or otherwise compromised.