How to Avoid ATM Fraud

Here are some practical ways to protect yourself from ATM card skimming fraud:

  • Use your hand to obscure the view of the PIN pad as you enter your PIN. For card skimming to be effective they must be able to record the entering of the PIN with a camera that is attached to the ATM. If you cover the PIN pad as fully as possible, the fraudsters will not have the PIN recorded and available to use with the card information. Make it a habit to do this every time at every ATM and gas pump.
  • Use familiar ATMs. If you use ATM machines you are familiar with it will be easier to identify that something unusual has been attached to the card reader or machine. When in doubt, go to a different machine or find a branch or retailer where you can get cash back.
  • Be aware of any loose or suspicious features on the ATM. Pieces of the ATM should not appear to have been added later or affixed with double-sided tape. The newer “shimming” devices will be physically inside the card reader and are harder to detect but if you notice your card sticking or having to swipe or insert the card multiple times that is a sign the ATM has been tampered with.
  • Avoid using ATMs on weekends if possible. The majority of the skimming devices are being placed on the weekends when the fraudsters know there is less chance someone will be monitoring the ATM and when they will have more traffic at the machine. Get cash during the week or go into a branch or use a cash back option at a retailer if possible.

Please use these tips and share them with your family and friends! Preventing card skimming saves yourself the hassle of having to get a new card if yours is compromised and also the complications that come along with identity theft.

Protecting Your Information

Your identity is one of your most valuable assets. We’re committed to teaching you how to prevent, detect, correct and report fraud and identity theft.

Protect Yourself

Prevention is the most critical element in avoiding fraud.

  • Shred anything that contains your name, address or other sensitive data before discarding – including invoices, receipts, statements, personalized letters, catalogs and pre-approved credit offers. Use a cross-cut shredder for the best results.
  • Protect your Social Security number! Do not carry your Social Security card in your wallet. Avoid carrying cards that display your Social Security number such as health insurance cards, unless needed to receive care.
  • Use only trusted websites for online transactions. Do not provide credit card numbers or personal information on any website if you are not sure the site is authentic. Choose companies with secure transactions and strong privacy and security policies.
  • Check your credit reports as frequently as possible – at least twice a year. Under the FACT Act, U.S. consumers are entitled to one free credit report each year from each of the three major credit bureaus.

Detection Tips

Despite all efforts to prevent identity fraud, it can still occur. The earlier it is detected, however, the more swiftly we can help you take action to stop it. Be alert and take immediate action on the following:

  • Bills that do not arrive as expected
  • Unexpected credit cards or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you didn’t make

Correction Procedures

Correcting the fraudulent activity is the final step.

  • Close any accounts that have been tampered with
  • Contact our Member Service Center at (636) 916-8300 immediately if you suspect fraud
  • Keep detailed records of the incident