4 security tips for using ATMs

4 security tips for using ATMs 

Automated teller machines are a quick and convenient way to withdraw money from your account. Unfortunately, their popularity may also attract thieves, so it’s important to observe a few key safety tips when using an ATM. 

One technique that thieves use to defraud ATM accounts is called “skimming.” ATM skimming occurs when a thief installs a hidden electronic device onto an ATM and uses it to steal personal information stored on your debit or credit cards. ATM skimming is a crime that is on the rise. According to reports from the credit score company FICO, ATM skimming jumped 368% between 2021 and 2022 and debit card compromises nearly doubled in 2023. 

So what can you do to help thwart identity theft while using an ATM? 

Check the ATM keypad 

The next time you’re at the ATM, take a closer look at the keypad before you insert your card into the reader. If the keypad looks thicker than usual or appears suspicious, it’s possible it could have been tampered with by criminals seeking to record your personal identification number. If you have concerns about the keypad, move on to another ATM. 

Check the ATM card reader 

Does the card reader seem bulky or designed differently than the rest of the ATM? If the card reader assembly feels loose or is oddly colored, then it’s probably best to steer clear and move on to another ATM. 

Cover the keypad 

When you’re entering your PIN, use your hand to cover the keypad. Some thieves will stand where they can see over your shoulder or use tiny hidden cameras to steal your PIN. 

Keep your PIN to yourself 

Memorize your PIN. It is the key to accessing all of your personal banking information, and if thieves discover it, they can steal money from your accounts. If you keep your PIN written down on a piece of paper in your wallet, you run the risk of someone seeing it when you pull it out, dropping it unintentionally, or worse, losing your wallet with your debit card and PIN together.   

If you feel that an OCCU ATM has been tampered with, please let one of our branch staff know so that a thorough investigation can be conducted. If an ATM at another location appears suspicious, make the facility and law enforcement aware of the potentially compromised device. 

Did you know that all OCCU ATMs are equipped with video teller services? For a quick and safe way to perform most banking transactions, visit a video teller ATM near you. 

For more account security tips, check out our Privacy and Security resources.