The convenience available with Automated Teller Machines
(ATMs) carries an increased need for security and personal caution.
ATMs can be located just about anywhere, and they are available
24 hours, 7 days a week.
One of today’s biggest concerns is Identity Theft, where
a criminal steals your account information and then runs up charges
and other bills in your name. These criminals often begin their
theft with stolen ATM information.
To protect your identity and to ensure your personal safety, it
makes good sense to exercise caution when using an ATM.
What You Can Do
- Protect your ATM card as if it were cash.
Report lost or stolen cards immediately.
- Safeguard your Personal Identification Number
(PIN). ATM fraud is most often committed by individuals who
know the ATM cardholder.
- Don’t give the number to anyone.
- Don’t write your PIN on your card or keep it in your
wallet.
- Avoid using numbers that are easily identified (birth date,
etc.)
- Never leave your receipt behind - even
with an incomplete transaction. Discarded ATM receipts are a primary
means of identity theft and account fraud. Even at home, receipts
can be a source for identity thieves-they rummage through the
trash to find account numbers and other personal information.
Shred receipts before discarding them.
- For your personal safety, minimize your time
at the machine.
- Have your ATM card ready when you approach the machine.
- Be ready to enter your PIN number
- Review your plans for transactions before going to the
machine so you know what to do as soon as you get to it.
- Count your money later, not at the ATM.
- Give people ahead of you space to conduct
their transactions. When you use the ATM, make sure no one watches
you key in your PIN number. You can use your body to shield the
ATM keypad.
- If you leave your car to use the ATM, be sure
to lock it up.
- At night, make sure there is ample lighting
and the ATM is clearly visible form the street. Tell your credit
union about overgrown bushes, poor lighting or anything else you
feel compromises personal safety and security at the ATM.
What Your Credit Union Is Doing
- Putting ATMs in areas that are clearly visible from the street
and to foot traffic.
- Maintaining landscapes that discourage thieves from hiding
near the machine.
- Maintaining lighting that is bright enough for night use.
- When possible, installing cameras, rear view mirrors, and special
signs.
- Working with manufacturers to improve the security technology.
Advanced security technology can be a first-line deterrent to
Identity Theft.
An ATM is like a branch of the credit union. Using it should be
convenient, enjoyable, safe and secure. Let us know if you have
suggestions to improve your ATM experience, or if you want to learn
more about ATM safety.
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