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Here at TFCU, we take our members’ safety very seriously. We use multiple protective measures to keep you, your information and your money safe when you use one of our ATMs.

However, it’s important for you to be aware of basic ATM safety so your transactions are never compromised at any ATM location. As with all banking platforms, you are the first and best defense for protecting your personal information and your money. Here are 6 tips to help you keep your ATM transactions completely secure.

1. Keep your PIN private

Your personal identification number should always be kept personal. Don’t share this number with anyone and don’t write it down anywhere or keep it stored in your phone. It’s also a good idea to choose a unique PIN for all your accounts and to change your number once a year to keep it fresh.

2. Check the ATM for a card skimmer

Skimmers are illegal card readers attached to payment terminals such as ATMs. These card readers grab data off a credit or debit card’s magnetic stripe without your knowledge. Criminals sell the stolen data or use it to buy things online. You won’t know your information has been stolen until a transaction occurs.
Sometimes, a skimmer is instead placed over the keypad to pick up the PIN. Look for a skimmer by checking to see if the card slot feels loose, is colored differently than the rest of the machine, or if the keypad is too thick or looks newer than the ATM.
To learn more about Mobile Wallets and how they are a great way to Protect against Card Skimmers click here to watch our Mobile Wallets Podcast Episode!

3. Be aware of your surroundings

As you use the machine, it’s crucial to be aware of your surroundings and to look for anything suspicious, like characters lurking nearby or dark cars parked in the area for far too long. If possible, and especially if you’re using an ATM late at night, bring a friend along.

4. Use your body as a shield

Never let an ATM you are using be in easy view to others. Stand close to the machine to block it from view and cover the keypad with your hand while you input your PIN. This way, no one will be able to steal your information just by watching you complete your transaction.

5. Have your wallet or an envelope ready

If you’re making a withdrawal, put away all cash as soon as you complete your transaction. Counting cash in public may be a risk; Be sure to check that you’ve received the right amount in the safety of your financial institution or once you’ve returned to your vehicle.
If you’ll be remaining in your vehicle to complete your transaction at a drive-thru ATM, keep it as secure as possible.

6. If you suspect foul play, leave immediately

If something or someone looks suspicious, be sure to take your receipt or cancel your transaction, grab your card and leave the area as soon as you can. If you think you’ve been the victim of ATM fraud, report it immediately to your financial institution and local police department.