Protect Yourself From ATM Skimmers
Skimming is a method that crooks use to obtain data from the magnetic stripe on the back of an ATM/debit or credit card to access all your hard-earned money. We have all heard about the threat of skimming devices at gas station terminals and self-checkout stations, but few may realize that crooks are able to place skimming devices on ATMs. This Tuesday Tips email will provide you with information to help you identify a skimming device at an ATM and protect your financial information.
How ATM Skimmers Work
Hidden Camera: When a skimmer is present at an ATM there is usually a concealed camera that is used in conjunction with the skimming device in order to capture your PIN number that you enter on the key pad. Many times these cameras are somewhere in front of the ATM; for example, above the screen in a phony ATM part or somewhere nearby, such as a light fixture. (See number 1 on the image).
Skimmer: The actual skimming device may look very similar to the original card reader in terms of color and texture. The skimmer on an infected ATM will fit right over the actual card reader. Original card readers are typically concave in shape, meaning they curve inward, while skimmers are more convex, meaning they curve outward. Make sure to examine the card reader before using any ATM. If you notice an odd shape, or wiggle the reader and it seems loose, do not use the ATM and notify the organization to which the ATM belongs. (See number 2 on the image).
Keypad Overlay: Recently crooks have been placing fake keyboard overlays onto ATM keypads in the place of concealed cameras. Instead of visually recording PIN numbers, the fake keypad overlay records users punching in their PINs and stores these pin numbers within. (See number 3 on the image).
How to ID An ATM Skimmer
- Examine around the ATM for places where a crook could hide a tiny camera. If something looks suspicious, do not take your chances. Notify the company who owns the ATM immediately.
- Examine the keypad closely to check for a fake overlay on top of it. For instance, does the keypad look thicker than usual?
- Look over the ATM as a whole to check for parts that don’t match the ATM’s overall style or colors. If you notice something that looks out of pattern, notify someone immediately.
- Try to jiggle the card reader. If it moves, you should notify the company that owns the ATM, and do not move forward with the transaction.
- Cover your hand when you enter your PIN. This will prevent a camera from picking up your key strokes.
- Trust your gut. If something feels off or wrong, use your best judgement and do not move forward with the transaction.
- Avoid Gift Card Scams This Holiday Season
- Make Your Auto Loan Process Seamless: Here’s What You Need to Refinance!
- If It Connects, Protect It: Maximize Security on Devices
- How to Stay Safe Trick-Or-Treating This Year
- How to Stay Safe on Social Media
- 5 Tips on How You Can Be #CyberAware
- 7 Tips For Donating to a Charity
- 8 Tips for Creating Account Passwords
- 5 Tips to Prepare for a Hurricane
- 6 Tips for Back to School
- Should You Buy A New Or Old Home?
- Will Refinancing Your Auto Loan Hurt Your Credit Score?
- How To Do Valentine’s Day On A Budget
- Top 5 Ways To Save For A Car
- 10 Ways To Improve Your Finances In 2019
- 4 Best Ways To Budget For A Baby
- How To Overcome Impulse Purchases
- What Items Should You Inspect When Buying A House?
- How To Save Money On Holiday Shopping In 2019
- Four Ways A Personal Loan Can Help You Through A Difficult Time
- November 2019
- October 2019
- September 2019
- August 2019
- February 2019
- January 2019
- December 2018
- November 2018
- October 2018
- September 2018
- August 2018
- July 2018
- June 2018
- May 2018
- April 2018
- March 2018
- February 2018
- January 2018
- December 2017
- October 2017
- September 2017
- August 2017
- July 2017
- June 2017
- May 2017
- April 2017
- March 2017
- February 2017
- January 2017
- December 2016
- November 2016
- September 2016
- August 2016
- July 2016
- June 2016
- May 2016
- April 2016
- March 2016
- February 2016
- January 2016
- December 2015
- November 2015
- October 2015
- September 2015
- August 2015
- July 2015