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How to Protect Your ATM/Debit Card from ATM Skimming
In today’s fast-paced world, almost everyone is in a hurry to complete daily and weekly tasks, including getting “fast cash” from an ATM to quickly filling up their tanks at the gas station. Using an ATM/Debit Card makes these errands quick and easy.
While an ATM/Debit Card is designed to make our lives more convenient, ATMs have increasingly become a target for criminals. ATM skimming is one of the ways criminals commit fraud with your ATM/Debit Card and steal your information.
According to Bankrate.com, theft from ATM skimming is approaching $1 billion annually. Below is more information about ATM Skimming and tips to help you avoid becoming a victim of ATM skimming.
What Is ATM Skimming?
Criminals attach devices onto ATM machines in order to copy an ATM/Debit Card number, the information encoded on the magnetic strip and even the Personal Identification Number (PIN).
Risk Reduction and Protection
Inspect the ATM Before Use
Before you use an ATM, take a moment to examine the machine. Does anything look out of place or not original? Is there anything taped to the machine? Do some parts look loose or in a different color (for example, the ATM is silver and the card slot is black)? Is there a brochure rack or other promotional materials on the ATM or near the machine that seem out of place? Are there mirrors on the ATM? If you find anything that looks suspicious, don’t use the ATM.
Recognize a Skimming Device
Many skimming devices are stuck onto the machine or near the ATM with two-sided tape or even Velcro. Some skimming devices are inserted into the ATM (in the card slots). Once it is loaded, wireless cameras are often attached to the ATM key pad. This is how criminals capture not only the ATM/Debit Card number, but the PIN as well. Once this information is obtained, criminals can reproduce a fraudulent ATM card and begin withdrawing funds from the account.
Protect your PIN, Your Card and Your Account
Don’t share your PIN with anyone. Be sure to cover the screen and the key pad when you’re using your PIN.If your card is not returned after you completed your transaction or after pressing cancel, immediately contact the financial institution that issued the card and report the incident.Always check your monthly statements to ensure there are no unusual withdrawals
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