ATM Safety

Choosing an ATM

  • When possible, use an ATM with which you are familiar, or look for a well-lit, well-placed ATM where you feel comfortable.
  • Scan the vicinity of the ATM before approaching. Avoid using the ATM altogether if there are any suspicious-looking individuals around or if it looks isolated or unsafe.
  • Avoid opening your purse or wallet while in line for an ATM. Have your card in hand before you approach the ATM.
  • Notice if anything looks unusual or suspicious about the ATM indicating it might have been altered. If the ATM appears to have any attachments to the card slot or key pad, do not use it. Check for unusual instructions on the display screen, for suspicious blank screens or for signs fixed to the ATM indicating that screen directions have changed. If you suspect that the ATM has been interfered with, proceed to another ATM and inform the financial institution.
  • Help us make ATMs safer by reporting any unusual occurrences or discrepancies as soon as possible.

Using an ATM

  • Put away your cell phone before approaching the ATM so you can pay attention to your surroundings and transaction.
  • At drive-up ATMs, keep your car doors locked and windows rolled up before and after making your transaction.  Keep your car running while operating the ATM.
  • Be especially cautious when strangers offer to help you at an ATM, even if you are experiencing difficulty with the transaction.
  • Stand or lean in close to the ATM and shield the keypad with your hand when entering your PIN.
  • Don’t look away or become distracted after requesting cash and take your cash as soon as it is dispensed. As a security feature, some ATMs will take back dispensed cash after a specified time period.
  • Secure your card and cash in your wallet or purse before leaving the ATM. Be sure to take your receipt and any other paperwork that may have your identity or account number information.

Managing Your ATM Use

  • Commit your PIN to memory. Do not write it on your card or keep it in the same location with your card. Do not use obvious and guessable numbers for your PIN like your date of birth.
  • Never share your PIN with anyone, even a family member, or someone identifying themselves as a representative of your financial institution or the police.
  • Immediately report a lost or stolen card to the financial institution who issued it.