Criminals will use creative ways to get your personal and financial data. One technique they use is called “skimming.” Thieves use hidden electronics to steal the information stored on your card and record your PIN to access all that hard-earned cash in your account.
Along with installing a phony card reader, some fraudsters will use a keypad overlay. Others use hidden cameras to watch your hands on the keypad when typing in your PIN. It’s important to remember that you are your best line of defense when it comes to skimming. Keep these three things in mind every time you use an ATM.
1. Always pay attention to the face of the ATM. There should be no movable parts or traces of glue.
Look for loose-fitting or misaligned keypads or card readers. Do not be afraid to wiggle an external card reader or to try shifting the keypad. These items should not move. If you go to insert your card into an internal card reader at the ATM but it seems like the slot is too small, cancel the transaction and get the card back. If anything raises a red flag, your safest bet is to find another ATM.
2. Watch for cameras that may be hidden and positioned to capture your PIN.
Cameras can be hidden on brochure racks or in tiny pinholes. Look for any pieces of plastic that do not match or appear randomly placed, as they could give away the camera's hiding place.
3. Cover your hand when entering your PIN at the ATM.
Even if you’re sure things are safe, make a habit of doing this. This way, if there’s a camera nearby you haven’t noticed, making sure the numbers you’re entering aren’t visible is your last line of defense.
If you have any concerns at all about the ATM you’re about to use, don’t use it! Use our ATM locator to find another one rather than risk having your card number and PIN fall into the wrong hands.
Should this worst-case scenario play out, you need to be the first to know and not the last. We encourage you to sign up for account alerts in digital banking. The service is free and can give you the precious time you need to contact us if you suspect fraud on your account.
If you’re a PSECU member and suspect ATM fraud, contact us right away. Call 800.237.7328, extension 3872.
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