ATMs are a fast and easy way to withdraw cash, check account balances, transfer funds and more. If you plan to use ATMs to conduct financial transactions, you must make your safety and electronic banking security a priority.

Personal Safety at ATMs

  1. Always observe your surroundings before conducting an ATM transaction. If you see anyone or anything that appears to be suspicious, leave the area at once.
  2. If an ATM is obstructed from view or poorly lit, go to another ATM.
  3. Minimize the time spent at the ATM by having your card ready to use. If the ATM is in use, give the person the privacy you expect.
  4. Once you have completed your transaction, take your money, card and receipt and immediately move away from the terminal.
  5. If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately. If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lighted area and call the police.

Skimming devices have become an extremely popular fraud tool for perpetrators. A small device is installed on the card reader of the ATM. This device captures your card data as you use the ATM. In addition to the skimmer, either a pinhole camera or an overlay may be installed over the keypad to capture your Personal Identification Number (PIN) as you enter it.

Security at ATMs

  1. ATMs with street access in busy areas are most often targeted with skimming devices. Devices are often left over night or over a weekend when the perpetrators know ATM owners are not monitoring the device.
  2. Consider jiggling the card reader to ensure it is built into the ATM. Skimmers are often applied with double sided tape or similar bonding material and can be moved if jiggled hard enough.
  3. As skimming devices are becoming more difficult to detect, be sure to cover the PIN pad with your other hand so any pinhole cameras cannot capture your PIN as your enter it.
  4. Check the keypad to be sure the numbers are a part of the machine, not part of an overlay that captures your PIN as you enter it.
  5. Check the ATM for unusual adornments, small holes or protruding devices that may be a part of the skimming device.

If you should note any of the above items, do not use the ATM. Always monitor your account for unauthorized activity and consider setting up account alerts in our mobile banking app to ensure you are notified of any unusual activity. Standard wireless carrier message and data rates may apply.

If you find fraudulent debit card activity in your account, contact us immediately at 202-212-6400.