Our partners at the Advantage Network have prepared some helpful tips for all cardholders. Keep yourself and your finances safe by reviewing the tips below.
- Do a quick scan. Before using any machine, take a look to make sure it hasn’t been tampered with. If the card reader seems loose, crooked or damaged, if the graphics aren’t aligned, or if part of the machine is a different color, don’t use. If there is another machine nearby (such as two ATM machines next to each other) compare them to see if there are obvious differences. For example, if one machine has a flashing slot to insert your card and the other doesn’t, that may be an indication that there is something wrong.
- Be wary of non-bank ATMs. FICO reports that 60% of skimming occurs at privately-owned ATMs. These are typically cash-dispensing machines and tend to be located in convenience stores, bars, restaurants, grocery stores, or check cashing establishments.
- Check the keypad. If the numbers are hard to press or feel too thick, it might have a false keypad installed and you should move on to the next machine.
- Block your PIN. When entering your PIN, cover the keypad with your other hand in case
Stay in public view. Always try to use machines that are in public view with security monitoring – these machines are less likely to be tampered with. For additional protection, use a machine inside the store or an ATM inside your financial institution.
Check your account regularly. Technology is advancing and so are skimming devices so the best thing you can do is monitor your account. Rather than wait for your monthly statement, check your account regularly using online and mobile banking. This way, if anything were to happen, you can catch it immediately and report it to your bank. Sioux Empire FCU members can check their accounts by using It’sMe247 Online Banking or downloading our mobile app.
Above all, trust your instincts. If you suspect foul play, or if you’re in doubt about the authenticity of a machine, use a different machine or payment method.
Are you interested in a Sioux Empire FCU Checking Account with EMV-Chip Enabled Debit Card? Check it out!