Automated Teller Machine (ATM) has been important to our lives in the recent time. It has provided convenience for us. However, it can also be expose us to risk if necessary cautions are not taken.
- Always pay close attention to the ATM and your surroundings. Do not select an ATM at the corner of a building—corners create a blind spot. Use an ATM located near the center of a building. Do your automated banking in a public, well-lighted location that is free of shrubbery and decorative partitions or dividers.
- Do not allow people to look over your shoulder as you enter your PIN. Memorize your PIN; never write it on the back of your card. Do not re-enter your PIN if the ATM eats your card — contact a bank official.
- Closely monitor your bank statements, as well as your balances, and immediately report any problems to your bank.
- Be sure to look at the ATM. If it looks like someone has tampered with the equipment, do not use it. (This could mean that a criminal has attached a “skimmer” to the ATM to steal your financial information). If a suspicious person offers to help you use the ATM, refuse and leave.
- Put your money and ATM card away before you leave the ATM. Always avoid showing your cash. Always verify that the amount you withdrew or deposited matches the amount printed on your receipt. Shred or destroy your ATM receipts before you throw them away.
- Never write down your personal identification number (PIN), especially on the back of your card. Memorize it. Do not write down your account number and PIN and carry it with you. If your wallet or purse is stolen, someone else could have access to your money. Never tell anyone your PIN.
- When selecting a PIN, avoid picking a number that is easy for others to guess — for example, your name, telephone number, date of birth, or any simple combination of these.
- When typing in your PIN at the ATM or when making a point-of-sale purchase, cover the number pad so no one near you can see your PIN. Change your current PIN from time to time to make it more difficult for fraudsters to guess.