ATM Security

ATMs are vulnerable to a scam called “skimming.” ATM skimming occurs when a fraudster installs an electronic device that reads information from a card’s magnetic strip when it’s inserted into the tampered ATM. Criminals can then encode the stolen data onto a blank card and use it to loot a member’s account. Skimming is an illegal activity and, unfortunately, is usually undetectable by victims.

Here are the ways criminals operate at ATMs and what to look out for:

Skimmer Devices

The skimmer, which looks very similar to the original card reader in color and texture, fits right over the card reader. The original card reader is usually concave in shape (curving inward), while the skimmer is more convex (curving outward). As members insert their ATM cards, account information on the cards is skimmed, or stolen, and stored on some type of electronic device the criminal can pick up later.

Hidden Cameras

A concealed camera is typically used in conjunction with the skimming device to record members typing their PINs into the ATM keypad. Cameras are usually concealed somewhere on the front of the ATM.

Keypad Overlays

The use of a keypad overlay placed directly on top of the factory-installed keypad is a fairly new technique that takes the place of a concealed camera. Instead of visually recording users punching in their PINs, circuitry inside the phony keypad stores the actual keystrokes.

Stay Protected:

• Inspect the ATM, gas pump, or credit card reader before using it. Be suspicious if you see anything loose, crooked, or damaged, or if you notice scratches or adhesive/tape residue.
• If possible, limit the number of ATMs you use. Using the same machine consistently gives you a better chance of recognizing abnormalities caused by skimming devices.
• When entering your PIN, block the keypad with your other hand to prevent possible hidden cameras from recording your number.
• If possible, use an ATM at an interior location. There is generally less access for criminals to install skimmers on inside units.
• Be careful of ATMs in tourist areas. These units are more likely to be targeted by skimmers.
• If your card isn’t returned after the transaction or after hitting cancel, contact the financial institution that issued the card immediately.