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ATM And Debit Card Safety Best Practices


ATM And Debit Card Safety Best Practices

Simple, everyday practices when using a debit card and going to the ATM can protect you from fraudulent activity.

ATM Safety Tips

When using an ATM, be aware of your surroundings. If you notice anything suspicious at the ATM, cancel your transaction, pocket your card, and leave the ATM. If you are at a drive-up ATM, make sure all car doors are locked and all windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.

If someone offers assistance while you are using the ATM that you do not know and is not an employee, do not accept the offer. Go directly to an employee if help with the ATM is needed.

Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is not functioning correctly. Devices such as skimmers can be attached to ATM machines and collect your card information without your knowledge. Don't display your cash once dispensed; put it in a safe place along with your receipt and card as soon as the transaction is finished.

Always save your receipts to compare them with your monthly statement or digital banking transactions. Receipts make it easier to show if an ATM or business did not charge the correct amount.

Report any problems with the ATM to the operator of the facility. Notify the operator and the local law enforcement officials of any suspicious activity as soon as possible. Letting the operator know of any issues can help protect yourself and others from debit card fraud.

Debit & Credit Card Safety Tips

Always keep your debit and/or credit cards in a safe place. Avoid walking away from your purse or wallet for any amount of time while in a public space.

Contact your financial institution immediately if your debit or credit card is lost or stolen, and block your card using digital banking to prevent your card from being used. If you receive a new card and still have possession of your old card, destroy your old card when your new card is activated.

Memorize your PIN and do not write it on the back of your card or keep it in your wallet or purse. Do not share your debit card or PIN number with anyone. If you forget your PIN, you can always reset the PIN at the credit union.

For more information on how to keep your banking information safe visit our Fraud and Scams blog section.