Protect Yourself from ATM Skimming
The vast majority of ATM transactions are conducted safely and securely—in a few minutes, you can carry out your business and be on your way. But ATM fraud can and does happen. You can help prevent it by being aware of a scheme called ATM skimming.
ATM Card skimming is an ongoing problem. ATM skimming occurs when a device, or "skimmer", is attached to an ATM or point of sale terminal with the goal of stealing card information. The stolen information is used to create counterfeit credit or debit cards in order to make fraudulent purchases and withdrawals from your account.
ATM skimmers have two components. The first is an electronic device that fits over the card slot. When a card is swiped or pushed into the slot, the data on the card’s magnetic strip is copied. The second component is typically a hidden camera used to capture your PIN.
How to Protect Yourself from ATM Skimmers
Use familiar ATMs: ATMs located in dimly-lit areas or are frequently used late at night could be more susceptible to skimmers. Try to use an ATM at an inside location under video surveillance.
- Examine the ATM: Take a quick look at the ATM before you use it to see if anything looks out of place. Check to see if anything looks loose or damaged. You should also check for scratching around the card slot, adhesive, tape or glue residue.
- Check the card reader and keypad: If anything seems out of place or poorly attached to the ATM, gently tug on it. If it moves or comes away from the ATM, it may be a skimming device.
- Look for hidden cameras: Look for small holes above the ATM screen or keypad that may contain a pinhole camera to capture your PIN.
- Protect your PIN: Shield your PIN with your hand when you type it onto the keypad. In the event you do encounter an ATM skimmer, this is the easiest way to protect yourself.
- Monitor your accounts: Make checking your accounts online part of your routine. If you notice any suspicious transactions, notify us as quickly as possible.