ATM and Debit Card Safety Tips

Simply being aware of your surroundings is often an effective way of protecting yourself. ATM and Debit Card crime does happen. Preventing such crime is a cooperative effort between you and NETCU! Here are some helpful tips to protect you from harm and/or loss. See the topics below for more information.

Electronic Safety Tips

Protect your Card Number and PIN
Protect your ATM and debit cards as if they were cash. Report lost or stolen cards immediately. Don’t write your PIN on your card or give the number out to anyone, including friends and family, and do not reveal it to anyone over the phone. Avoid using numbers that are easily identified (birth date, phone number, etc.) with your personal identity.
Conduct your transactions privately
Use common courtesy at the ATM. Give people ahead of you space to conduct their transactions. When you use the ATM conduct your business quickly and efficiently, make sure no one watches you key in your PIN number. Use your body and free hand to shield the ATM keypad during the transaction. This simple step prevents a camera or remote reader from recording your personal information including card numbers.
Be watchful of “Skimmers”
Do not swipe your card in machines that claim to clean, re-magnetize or renew your card. If the machine looks like it has been tampered with, don’t use it. This machine could be a “skimmer” which is used to copy identifying information from the magnetic strip on your card.
Take the receipt!
Never leave the receipt behind, even after an incomplete transaction. Discarded ATM receipts can lead to identity theft and account hijacking.
Check your Debit Card account frequently
If you find any irregularities in your statement, contact your credit union immediately to report the incident. Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss.

Personal Safety Tips

Lock your car
If you leave your car and walk to the ATM, turn off your ignition and lock your car. If you use a drive-up ATM, be sure to roll up passenger windows and lock your car doors.
Observe Lighting and Landscape
Use extra caution when using an ATM at night. If the lights at the ATM are not working, don’t use it. Avoid overgrown shrubbery or too many trees blocking view.
Take a friend at night
If you use the ATM at night, consider taking a friend along.
Count your cash later
Once you’ve completed your ATM transaction, put your money away immediately and leave the ATM premises. It’s best to count your money later.