Smart Tips for Protecting Yourself from ATM Fraud and Theft

ATM User Precautions

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM). For your own safety, be careful. The following suggestions may be helpful and are worth considering every time you choose to use an ATM to access cash or for your other banking transaction needs.

  1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM.
  2. Mark each transaction in your account record, but not while at the ATM. Always save your ATM receipts. Don’t leave them at the ATM because they may contain important account information.
  3. Compare your records with the account statements or account histories that you receive.
  4. Don’t lend your ATM card to anyone.
  5. Remember, do not leave your card at the ATM.
  6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don’t tell anyone your PIN. Don’t give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. Don’t write your PIN where it can be discovered. For example, don’t keep a note with your PIN in your wallet or purse.
  7. Prevent others from seeing you enter your PIN by using your hand or body to shield their view.
  8. If you lose your ATM card, or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM, particularly if it is after sunset. At night, be sure that the facility, including the parking area and walkways, is well lit. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem or suspicious activity, go to another ATM.
  10. Don’t accept assistance from anyone you don’t know when using an ATM.
  11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your ATM card and leave. You might consider using another ATM or coming back later.
  12. Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later, when you are in the safety of your own car, home or other secure surrounding.
  13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.


In addition to following these guidelines and protecting yourself during ATM use at a banking facility, retail location or ATM machine, you should also protect yourself from becoming a victim of online card fraud for all of your cards, including ATM, debit and credit cards. Following a few simple guidelines can significantly reduce your chance of becoming a fraud victim.

  1. Never provide your card number in response to an email request unless you have verified the sender’s identity.
  2. Always use anti-virus software and a personal firewall on your own computer and keep your operating system and browser up-to-date.
  3. When purchasing items online, use encryption when available and choose to make your purchases from known, reputable businesses.
  4. Review your financial history frequently and immediately report any suspected fraud.

Additional guidelines to help you stay secure online can be found on our secure trading information and tips page.

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