Using an ATM can make life more convenient. With just a few taps, you can withdraw cash, make deposits, check your account balance, and more. However, ATMs can also pose risks if proper precautions are not taken.
This blog post gives you seven tips to help you use ATMs safely. These simple precautions can help minimize the risk of becoming a victim of ATM-related crime or fraud.
Read on to learn how to securely access cash, monitor your accounts, and protect your personal identification number (PIN) and debit card.
7 Tips for Safe ATM Use
Now that you know we're sharing best security practices for using ATMs, let's take a look at seven pro tips:
1. Be wary of any suspicious additions or changes at the ATM. Look for unusual devices on the card slot that might be a skimmer. Look for hidden mini cameras that might capture your PIN. If an ATM looks weird, avoid using it.
2. Make sure your PIN is protected from prying eyes. Cover the keyboard with one hand when entering your PIN. This prevents CCTV or shoulder surfers from seeing the PIN. Remember your PIN instead of carrying a paper trail.
3. Pay attention to your surroundings before and after using the ATM. If someone you don't know is nearby, return later or use a different ATM. Be vigilant when completing a transaction. Put your cash away before you leave instead of counting it outside.
4. Only use well-lit outdoor ATMs at night. Avoid indoors or secluded areas. Check that CCTV cameras cover the ATM itself and surrounding premises. This deters attackers by increasing visibility.
5. Check your bank balance before withdrawing cash. Calculate the amount you need so you don't have to make frequent trips to the ATM. Each transaction requires you to re-enter your card, provide details, and use your keyboard. Reduce exposure to reduce fraud risk.
6. Notify your bank to set ATM withdrawal limits per transaction or 24-hour period. This includes losses due to card data breaches. Receive transaction text messages or email alerts to monitor account activity. Report unauthorized transactions immediately to prevent further abuse.
7. Be quick at the ATM, and don't stay there too long. Having transaction details, such as the check amount, ready in advance will help you complete the transaction faster. If you don't use the machine regularly, step aside so your card isn't protected. This prevents browsing of the map or capturing map data via hidden cameras.
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Stay vigilant and follow basic ATM precautions. Report any suspicious activity or ATM tampering to your bank.
Although there are risks associated with using an ATM, taking the appropriate steps can go a long way toward preventing fraud.
Stay alert and use good judgment. This is key to using an ATM safely, regardless of location or time of day.
ATM Safety Tips FAQ
Q: How do you identify an infected ATM?
Answer. Look for signs such as tampered card entries, damaged control panels, pinhole cameras hidden around the ATM panel, or other devices mounted above the keypad. Any changes to an ATM will raise red flags and cause you to avoid using the ATM.
Q: Can I lose the data on my ATM card without my knowledge?
Answer. Unfortunately, attacks such as skimming can unknowingly capture your PIN by copying your card information via an external slot or hidden camera. Even an unauthorized person viewing your PIN entry can exploit your stolen data. Please use ATMs carefully to prevent this automated or manual data theft.
Q: What should I do if my card gets stuck in an ATM?
Answer. First, don't panic. Banks have a mechanism in place to retrieve cards that are stuck due to ATM errors. Note down the ATM location details and contact your bank's customer service. File a formal complaint; typically, a live representative can collect your card from the machine within a few hours after verifying your identity.
