Personal Safety

Although instances of electronic funds transfer crime are relatively rare, following these guidelines may ensure your personal safety when using an automated teller machine (ATM) or point-of-sale terminal (POS).

Be Prepared

Have your transactions ready; seal your checks or cash in an envelope and have your ATM card ready to insert into the machine before you arrive. It is always a good idea to endorse checks with the restriction "For Deposit Only."

Block Other's View

Always stand between the terminal and any individuals waiting, or cup your hand over the key pad so that you block their view as you enter your Personal Identification Number (PIN).

Complete The Transaction

Retrieve your cash, receipt and card after every transaction and put them away before leaving. If you make a withdrawal, do not expose or count your money until you are in a safe place.

Keep Your Receipts

The receipt is your proof of an ATM or POS transaction. Save your receipts, log them in your check register and verify the account activity with your monthly statement. Report any unexplained transactions immediately.

Be Cautious After Hours

Park in a well-lighted area and scan the site. If you see anyone or anything that makes you uncomfortable, find another ATM and report the situation to the police. If possible, take a trusted companion with you. Of all considerations, the most important is to be alert!

Be Alert In Your Car

Keep the engine running, doors locked and windows up until you reach the ATM. If someone approaches your vehicle saying they need help, tell them you will call the police for them. Do not allow any unknown person to enter your vehicle when making an ATM transaction.

ATM Fraud

Fraud usually occurs when a card is lost or stolen. To help prevent fraudulent access to your account, remember these guidelines:

Memorize Your PIN

Never disclose your Personal Identification Number (PIN) or loan your card to anyone. Do not write your PIN on your card or anything that you carry with you. If your card is lost or stolen, it cannot be used without your PIN.

Report Lost and Stolen Cards Immediately

Report loss or theft immediately. You can be held liable if you do not report a lost or stolen card.

Never Give Information Over The Phone

If you receive a telephone call from someone requesting your PIN, do not reveal it. No financial institution will ever ask you for your PIN, especially in the event of a lost or stolen card. Discussions about the status of your account are best held in person rather than on the phone.

Never Withdraw Money For A Stranger

Police officers, law enforcement officials and financial institution representatives should never ask you to withdraw funds via an ATM. No one has the right to ask or compel you to withdraw funds via an ATM or POS.

Card Protection

Protecting your card is also an important part of use. The following tips can save you time and trouble:

Keep Your ATM Card In A Safe Place

Store or carry your card as safely as you would cash or a credit card.

Record and File Information

Keep a record of your card's source and relevant telephone numbers for reporting its loss.

Protect The Magnetic Stripe

Avoid exposing the magnetic stripe on the back of your card to the magnetic stripe on your credit cards. Always be sure to protect your card from other magnetic objects. They can render your card useless.