10 Ways to Stay Safe When Using an ATM
Using an ATM is a quick, convenient and easy way to access your cash in a rush, but it can also be a compromising one if you’re not careful. Stay safe when choosing and using an ATM with these simple and easy suggestions:
- Take note of the surrounding area before making a transaction. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
- Secure your car when using a drive-up location. Make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
- Search for skimming devices. See if the card reader appears to be damaged or modified. If so, don’t use it. Thieves sometimes use a tactic called skimming where they alter the ATM machine to get a copy of your credit card information.
- Be aware of people and your surroundings. Protect your privacy when you use an ATM, be sure you shield the ATM keypad with your hand or body while entering your PIN.
- Put away your card and cash immediately following the transaction. After completing your transaction, secure your card and cash immediately before exiting the ATM area. Count your cash later, in the safety of your locked car or home.
- Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don’t leave them at the ATM or night deposit facility because they may contain important account information. Compare your records with the account statements you receive.
- Protect the secrecy of your Personal Identification Number (PIN). Don’t tell anyone your PIN. Don’t give anyone information regarding your Debit card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, or has a suspicious device attached, or is operating in a suspicious manner. Don’t write your PIN on your card or lend your Debit/ATM card to anyone.
- Alert your credit union immediately if your debit card is lost or stolen. You should consult the disclosure you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen. Lost/Stolen VISA Debit Card contact 1-800-528-2273.
- Don’t accept assistance from anyone you don’t know. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
- Please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. We want the ATM and night deposit facility to be safe and convenient for you. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.