ATM AND DEBIT CARD SAFETY

Using your ATM and Debit Cards Safely

  • TO REPORT A LOST OR STOLEN DEBIT CARD CALL 1-800-472-3272.
  • TREAT YOUR CARD LIKE CASH. Keep it in a safe place out of plain sight. Do not leave cards in the glove compartment of your car and never leave your purse or wallet unattended. Periodically check to make sure you have all your cards.
  • ENSURE THAT YOU SIGN YOUR CARD ON THE SIGNATURE PANEL AS SOON AS YOU RECEIVE IT.
  • WHEN SELECTING A PERSONAL IDENTIFICATION NUMBER (PIN), DO NOT CHOOSE NUMBERS AND LETTERS THAT CAN BE EASILY IDENTIFIED. Avoid using initials, phone numbers or birth dates.
  • KEEP YOUR PIN A SECRET. Never write down or carry your PIN - memorize it or keep the number at home. Never disclose PIN numbers to anyone.
  • NEVER DISCLOSE CARD INFORMATION (INCLUDING NUMBERS) OVER THE PHONE TO ANYONE, UNLESS YOU HAVE INITIATED THE CALL. No one needs to know your PIN, not even your financial institution.
  • ALWAYS VERIFY THE TRANSACTION AMOUNT BEFORE SIGNING A SALES RECEIPT. Always check sales vouchers to verify that the amount on the customer copy of the receipt matches the amount recorded on the merchant copy. Be sure the transaction is complete and you have received a receipt and that your card has been returned before leaving. Always take your charge slips and tear up any carbons. If you received cash back, put it away before leaving the terminal.
  • CHECK SALES VOUCHERS AGAINST YOUR MONTHLY BILLING OR ACCOUNT STATEMENTS TO MAKE SURE YOU CAN IDENTIFY ALL OF YOUR TRANSACTIONS. Verify that your monthly statement reflects the amount you authorized and that there are not any multiple charges. After you have reconciled your billing statements, tear up all receipts and discard them at home. Report any unauthorized transactions or suspicious activity to your issuing bank immediately.
  • MAKE CERTAIN YOUR INTERNET SHOPPING SITES ARE SECURE. Never disclose information about your card in response to an unsolicited email or request.
  • KNOW WHO HAS ACCESS TO YOUR CARDS. If a family member borrows a credit card without your knowledge, you may be responsible for those purchases or cash withdrawals.
  • PROTECT YOUR CARD’S MAGNETIC STRIPE. Do not expose your card’s magnetic stripe to magnetic objects.
  • MAKE A RECORD OF CARD ACCOUNT NUMBERS AND TELEPHONE NUMBERS FOR REPORTING LOST OR STOLEN CARDS. KEEP THIS LIST IN A SAFE PLACE.
  • SHRED PAPERS WITH ANY OF YOUR PERSONAL INFORMATION LISTED ON THEM. Especially shred credit card applications.

Using the ATM Safely

  • MINIMIZE TIME SPENT AT THE ATM BY HAVING YOUR CARD OUT AND READY TO USE. Once your transaction is complete, take your money, card and receipt and immediately walk/drive away from the terminal. Do not let anyone see how much money you withdrew, and never count your money at the ATM.
  • BE MINDFUL OF YOUR SURROUNDINGS. Observe the ATM surroundings before approaching a walk-up/drive-up ATM. If the machine is poorly lit or in a secluded area or if anyone or anything appears to be suspicious, cancel your transaction and leave the area at once.
  • KEEP THE CAR DOORS LOCKED, WINDOWS UP AND ENGINE RUNNING AT ALL TIMES WHEN WAITING IN LINE. Leave enough room between cars to allow for a quick exit should it become necessary. Before lowering the window to use a drive-up ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, cancel your transaction and leave the area at once.
  • MAKE SURE THAT NOBODY NEARBY CAN VIEW YOUR PIN OR TRANSACTION AMOUNT. Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.
  • DO NOT COUNT CASH WHILE STANDING AT AN ATM. Put your cash, card, and receipt away immediately.
  • AFTER COMPLETING AN ATM TRANSACTION, REMEMBER TO TAKE YOUR CARD AND TRANSACTION RECORD. Do not leave your receipt behind. Check it against your monthly statement.
  • DO NOT ACCEPT HELP FROM STRANGERS. If your card becomes stuck inside an ATM machine, be suspicious of anyone offering their help, even if they appear to be a bank security officer.
  • NEVER ALLOW A STRANGER TO ASSIST YOU IN ENTERING YOUR PIN OR CONDUCTING AN ATM TRANSACTION. Contact your bank if you need assistance with your debit card transaction.
  • LOOK FOR POSSIBLE FRAUDULENT DEVICES ATTACHED TO THE ATM. If the ATM looks different or appears to have any alterations or attachments to the card slot or PIN pad, do not use it.
  • IF ANYONE FOLLOWS YOU AFTER YOU HAVE COMPLETED YOUR ATM TRANSACTION, GO IMMEDIATELY TO A CROWDED, WELL-LIT AREA AND CALL THE POLICE.