These habits can keep you and your money safe while you’re using an ATM or Debit card.
1. Protect your PIN (Personal Identification Number)
- Choose a PIN that is unique. Use a number other than your birthday, Social Security number or other obvious number.
- Do not share your PIN or account number with anyone.
- If you do share a card with family members, impress upon them that they must memorize the PIN and NEVER divulge it to anyone.
- Never give your PIN over the phone, especially cell phones.
2. Check out the environment as you approach the ATM.
- Avoid facilities in dark or remote places.
- Avoid free standing ATMs on street corners. It is best to use an ATM machine at a financial institution.
- If bystanders seem to be loitering rather than conducting business, go to another machine or come back later.
- If someone seems to take interest in you or your transaction, report suspicious behavior to the police – but leave the area first.
- When using a drive-through ATM, keep all doors locked and all windows up, except for the driver’s window.
3. Examine the ATM before you use it.
- Never enter your PIN in any terminal that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. See below for ATM Scams.
4. Be prepared to conduct your transaction when you approach the ATM.
- Have your card ready and know what transaction or transactions you want to conduct.
- Shield the screen and keypad with your body as you use the ATM to prevent others from seeing your PIN.
- Remove your cash, receipt and card after every transaction. Never leave receipts behind at the ATM.
- Have any deposits prepared before you approach the ATM. Make sure the ATM envelope has been accepted before leaving.
5. Report lost, stolen, or compromised cards IMMEDIATELY!
- If you believe that your card and/or PIN has been lost, stolen, compromised, or that someone has transferred or may transfer money from your account without your permission, call 256-332-3600.
- Examine your statements promptly to identify unauthorized transactions.