- 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
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.
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
- 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.
the view of others when using a POS terminal.
- Be sure the
transaction is complete and you have received a receipt
- 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
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
How can you protect yourself?
- Keep your PIN safe at all times. Do not give it to anyone.
out for people that try to “help you” at
- 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
- Be aware of any unusual signage
- Check your statements
for any unusual withdrawals or transactions.
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