Common sense is your best guide to using an ATM safely. If you suspect something isn’t quite right, trust your instincts. Use an ATM or a bank branch where you feel more comfortable.
If at all possible, use a machine that is located in a bank location. It may be easier for criminals to tamper with a machine that is in a non-bank location, such as a grocery store, deli or shopping mall. To find a bank-owned or -operatedATM near you, visit our Open Data site forBank-Owned ATM Locations in New York State Map.
Choose an ATM that is well-lighted and monitored by a surveillance camera or a security guard.
If you are using an indoor ATM that requires your card to open the door, avoid letting anyone that you do not know come in with you.Once inside the vestibule, make sure the door is completely closed behind you.
Before proceeding with your transaction, look around to guard against surveillance by anyone who may arouse your slightest suspicion.
Minimize your time at the ATM.Have your card ready. If you're making a deposit using an envelope, seal the envelope before you head to the ATM.
Use your free hand to cover the ATM keyboard while you type in your Personal Identification Number (PIN).
Do not re-enter your PIN if the ATM swallows your card - contact the bank immediately.
If you see anything suspicious, immediately cancel your transaction and leave. Confirm with your financial institution as soon as possible that the transaction was indeed canceled.
Make sure to place your money, card and receipt securely in your wallet or on your person before leaving the ATM.
At a drive-up ATM, keep your engine running, lock all your doors, and close all windows except your own.When using an indoor ATM, be sure to lock your car and take your keys with you; don't ever leave your car running.
Always request a receipt for your transaction.Compare your receipts to your monthly statements.
Keep your PIN and your account information secret.Never give information about your ATM card or PIN to strangers or to anyone over the telephone.
If your ATM card is lost or stolen report it to your bank immediately.Report the unauthorized use of an ATM machine or ATM card to your bank and to your local police precinct immediately.
At a drive-up ATM, keep your engine running, lock all your doors, and close all windows except your own. When using an indoor ATM, be sure to lock your car and take your keys with you; don't ever leave your car running. Always request a receipt for your transaction. Compare your receipts to your monthly statements.
Visiting your bank to use the ATM could reduce some of the risks if the machine is not easily accessible to those who aren't customers or is monitored by bank security cameras. If you're using an ATM that doesn't belong to your bank, give it a quick once-over to look for anything that seems out of place.
Always cover the keypad when you enter your PIN, even if you're alone. Fraudsters may use hidden cameras at ATMs. To keep both your card and PIN safe, don't let anyone stand too close to you.
Don't let anyone distract you or leave your card unattended in the card slot. If someone approaches you at an ATM, cancel the transaction and remove your card. Check your card before you leave the ATM to make sure it's yours. Don't accept help from strangers.
Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM. Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount. Put your cash, card and receipt away immediately.
Use a drive-up ATM instead of a walk-up where robberies are most likely to occur. *To avoid being blocked in when using a drive-up machine, do not pull forward until the car ahead of you has left.
Using your bank's own ATMs is the only way to ensure you won't incur extra ATM charges. Most banks have an ATM locator on their website or app. You can also check the back of your debit card or with a bank representative to see if your bank is part of an ATM network, like Global ATM Alliance, MoneyPass or Allpoint.
To avoid this scam, you should adopt vigilant practices whenever you use an ATM. This includes visually inspecting the ATM for any abnormalities, covering the keypad while entering the PIN, and using ATMs in well-lit and secure locations.
Introduction: My name is Dan Stracke, I am a homely, gleaming, glamorous, inquisitive, homely, gorgeous, light person who loves writing and wants to share my knowledge and understanding with you.
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