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ATM's And Credit Card

“Shoulder Surfers” are not limited to checkout stands and lines. Near ATMs, some sophisticated thieves will watch the victim use the card (sometimes using high powered binoculars, or even hidden cameras) and learn the victim’s personal identification number and even the card number. Later, they'll steal the card or make their own and use ATMs to withdraw your money from your account. Watch for one or more persons loitering around an ATM.

* Criminals usually pick ATMs without security cameras. Whenever possible, find ATMs that have cameras. Try to limit your after normal business hour ATM visits.
* Be aware of your surroundings and use common sense, particularly at night. If you observe or sense suspicious persons or circumstances, don't use the ATM at that time.
* Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM to take your card out of your packet, wallet or purse.
* Be careful that no one can see you enter your PIN at the ATM. Use your body, or cup your other hand over the keypad, to “shield” it as your enter you PIN into the ATM. Do this whenever you have to use your PIN at ATMs, gas pumps, and inside stores. Particularly at outdoor locations, remember that not all should surfers need to be right behind you to spy.
* Treat your ATM card like cash. Memorize your PIN and keep it a secret. When selecting your PIN, don't use any number/word that appears in your wallet (birth date, phone number, address, etc.) Never tell your code to anyone, or allow anyone to enter your code. No one needs to know your PIN, not even the bank. Don't give out any information about your ATM card over the telephone.

If your ATM card is lost or stolen, or your secret PIN compromised, report it immediately to your bank (using their 24-hour customer service number, if possible)

Never write your PIN on the back of your card; you could lose it, and some ATM scams involve a scanner “distracting” the victim and grabbing the card before running away.

* To help keep your account information confidential, always take your receipts or transaction records with you. You don't want a potential criminal to know how much you withdrew, or how much money you have in your account.
* Keep cash, checks, or money bags out of sight until you are ready for your transaction; it’s also best not to count or visually display money you receive from the ATM while at the machine. Immediately put your money in your pocket or wallet/purse; count it later at home, in your car or another secure place.
* If you are using a drive-up ATM, keep your engine running and be sure your passenger windows are rolled up and all doors are locked. Before you roll down your window to use the ATM, observe the entire surrounding area; if anyone or anything appears to be suspicious, drive away at once. When possible, leave enough room between cars when you're in line at the ATM to give you space for a quick exit, if necessary.
* If you are using a Walk up ATM, park close to the ATM, in a very well lit area. If there are other people at the walk-up ATM you want to use, remain in your car with the doors locked and windows up until they leave, or got to another ATM.

Before leaving the safety of your car, look around for any suspicious persons or circumstances. Be prepared; have your ATM card ready, and fill out all forms before you approach an ATM. Lock your car, and don't leave it running or the keys in the ignition as you walk up to the ATM.

Look around before entering a secured ATM area, and never hold the door for someone else. When you've finished your transaction, put way your card, money and receipt before leaving, and don't linger at the ATM. When returning to your car from your transaction, have your car keys ready and stay alert.

* If anyone follows you after making your ATM transaction, go immediately to a crowded, well-lit area and call the police.
* Last but not least, watch for unauthorized ATM withdrawals on your monthly statement, and keep an eye on your balance during the month; promptly report any problems to your bank. Check your receipts against your monthly statements to guard against ATM fraud. Shred or tear up your ATM receipts when you no longer need them.

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