Debit and ATM Fraud. A few simple rules of prevention.



Debit and credit card skimming attempts to hijack your personal information and your identity by tampering with ATM machines. Fraudsters set up a device that is capable of capturing the debit card magnetic stripe and keypad information from the ATM, then sell this information to criminals who use it to create new cards with your account numbers. If an ATM looks suspicious – for instance, if it has a discolored card reader or an unresponsive keypad – use another machine.

To avoid becoming a victim of debit card fraud, follow these tips from the American Bankers Association:

  • Immediately notify your bank if your card is lost or stolen. Call us at 1-833-337-6075
  • If you have a reason to suspect fraud, check your account balance right away by utilizing online banking, telephone banking, or by printing an interim statement at the ATM.
  •  Use your body to “shield” the ATM keyboard as you enter your PIN.
  •  Keep your receipts to check against your statement.
  • Keep a record of card numbers, expiration dates and 1-800 numbers for banks so you can contact the issuing bank easily in case of theft.
  • Mark through any blank spaces on debit receipts, including the tip line at restaurants, so the total amount cannot be changed.
  • Know your limits. Many issuers limit daily purchases and withdrawals for your protection.
  • Be wary of those trying to help you, especially when an ATM “eats” your card. They may be trying to steal your card number and PIN.
  • Do not give your PIN number to anyone over the phone. Thieves often steal cards and then call the victims for their PIN, claiming to be law enforcement or the issuing bank.
  • Always take your receipts or transaction records with you.
  • Do not leave your debit or ATM card lying around the house or on your desk at work. No one should have access to the card but you.
  • Check your bank statements often. Report unauthorized transactions immediately. Signing up for eStatements can help.

Remember we offer FraudWatch® PLUS debit card fraud prevention at no additional cost as well as Debit on Demand if you need your card replaced right away.