Security Center:
  Online Banking Best Practices
ATM Safety
  Online Banking System Requirements
  Corporate Account Take Over (CATO)
  Privacy Notice
  Debit Card Safety   Protect Yourself!
  Eight Tips to Protect Your Identity   Seven Tips for Protecting Yourself Online
  Five Ways to Protect your Small Business
from Account Fraud
  Twelve Tips to Secure Your Mobile Device

Identity Theft

  Windows XP Sunset Information
  Multifactor Authentication    

ATM Safety:

ATM Safety

  • Observe the ATM surroundings before approaching a walk-up ATM. If anyone or anything appears to be suspicious, cancel your transaction and leave the area at once.
  • If an ATM is obstructed from view or poorly lit, go to another ATM. It is a good idea to take along a companion when using an ATM, especially at night.
  • Minimize time spent at the ATM by having your card out and ready to use. Do not let anyone see how much money you withdrew, and never count your money at the ATM.
  • Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble or if your card is stuck.
  • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.
  • Look for possible fraudulent devices attached to the ATM. If the ATM looks different or appears to have any alterations or attachments to the card slot or PIN pad, do not use it. (SEE ATM Skimming Section Below)

Drive-Up ATM Safety

  • Keep the doors locked, windows up and engine running at all times when waiting in line.
  • Leave enough room between cars to allow for a quick exit should it become necessary.
  • Before lowering the window to use a drive-up ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, cancel your transaction and drive away at once.
  • Minimize time spent at the ATM by having your card out and ready to use. Once your transaction is complete, take your money, card and receipt and immediately drive away from the terminal.
  • If anyone follows you after you have completed your ATM transaction, go immediately to a crowded, well-lit area and call the police.

PIN ATM/Debit Safety

  • Never allow the cashier or anyone else to enter your PIN for you, even if they are assisting you with the transaction.
  • Block the view of others when using a POS terminal.
  • Be sure the transaction is complete and you have received a receipt before leaving.
  • If you received cash back, put it away before leaving the terminal.
  • When using an outdoor POS terminal such as at a gas station, observe your surroundings before making a transaction. If anything looks suspicious, leave the area at once.

It is a good idea to take someone with you when using an outdoor POS terminal at night.

If anyone follows you after you have completed your POS transaction, go immediately to a crowded, well-lit area and call the police.



What is ATM Skimming?
ATM Skimming is a fraudulent activity that is caused by a device that is placed on an actual ATM by criminals. Criminals may use the same materials and colors as the original ATM to create a container that is placed on the face of the ATM machine. The skimmer is usually placed on the machine with a Velcro strip. It is shaped to fit on the ATM but inside is an actual small laptop computer used to scan your personal information. It then prompts our customers with a touch-screen instead of a keypad. The ATM has a card reader in the device as well.

There are two types of ATM skimming devices, one that interfaces with the ATM operation and one that does not interface with the ATM operation.

The skimmers that interface the ATM’s operation are easier to detect because even though our customer inserts their card, it’s not the ATM that is actually being used. Our customer would swipe their card and would be prompted with a normal message. For example, “Welcome to Marblehead Bank.” Our customer would then enter their PIN to withdraw money. Then our customer would see a screen that would say something like, “Thank you for using Marblehead Bank. There has been a malfunction.” Our customer would then take their card without realizing that the criminals have captured all of the information from their card account.

In other skimming cases, the criminals do not interfere with the operation of the ATM. The skimmer is placed over the card reader, but does not stop our customer from getting their cash. Our customer believes that they had a normal withdrawal, while the criminal gets all the information form their account.

How does ATM Skimming affect your accounts?
A skimmer device reads all the information on a consumer’s bankcard. The thief also captures our customer’s PIN number with a small camera that is mounted in the skimmer itself or in the area of the ATM machine. These devices send the stolen ATM data to remote locations, including overseas, where there are factories waiting to manufacture fraudulent debit and credit cards. The fraudulent cards have all your bank’s information with someone else’s name on the card.

How can you protect yourself?

  • Keep your PIN safe at all times. Do not give it to anyone.
  • Watch out for people that try to “help you” at an ATM
  • Look at the ATM before using it. Be aware of anything that looks out of the ordinary, such as odd-looking equipment or wires attached to the device. You may want to tug on the device if you feel curious to make sure that it is not place on temporarily.
  • If your card is not immediately returned to you after a transaction, contact your financial institution immediately.
  • Be aware of any unusual signage
  • Check your statements for any unusual withdrawals or transactions.


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