“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Steve J. Bernas, president & CEO of the BBB serving Chicago and northern Illinois. “If you’re going to use an ATM, you could become a victim, and it’s important to monitor your accounts closely so you can quickly detect any fraudulent activity on your card and minimize your losses.”
Â The following are tips to fight identity thieves at the ATM:
Protect Your PIN – When entering your PIN, cover the keypad with your other hand to prevent any cameras from catching your digits. False keypads placed over the real keypad are also a way scammers get PIN numbers so if the keypad looks different, move on.
Give It A Wiggle – Skimming devices are often false panels attached to the ATM-such as where you put your card into the machine. If parts of the ATM look damaged or different, give it a wiggle. Also look for new or suspiciously placed cameras and unusual signage. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.
Choose Your ATMs Wisely – Avoid using ATMs in poorly lit or low trafficked areas. Experts often recommend choosing a bank ATM over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers, but they also place phony ATMS in public places.
Watch Your Statements – The most vigilant person can still fall victim to ATM skimmers, and it’s important to always keep a close eye on your accounts-particularly the itemized breakdown of charges and debits-so that you can quickly report any suspicious activity on your account.
Report Fraud Immediately – Report any fraudulent activity to your bank as soon as you discover it. Consumer protections for debit cards vary but depend largely on when you report the fraudulent activity. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.
For more advice on fighting identity thieves and preventing fraud, visit www.bbb.org