What is ATM Skimming

ATM skimming is a type of fraud that occurs when a terminal has been compromised by a skimming device or skimmer. A skimmer is a device that contains a card reader that can be disguised to look like part of the card terminal or ATM. Fraudsters place a small device “skimmer” on or in a card reader that collects card numbers and PIN codes, which are then replicated into counterfeit cards. ATM skimming fraud is on the rise, and we want our members to be aware what to look for at ATMs, gas pumps, and anywhere a debit or credit card is used.

How to Spot ATM Skimming

Help protect your financial information by being on the lookout for the following:

■ Skimming Overlay Devices: These devices are placed over a card slot. When a card is inserted into the slot, the device records the card’s magnetic stripe data.

■ Deep Insert/Shimming Technology: Thieves install a thin, card-size device with a microchip into the card slot. This device, which isn’t visible from the outside of the ATM or gas pump, steals information that allows the thief to clone your card. Sometimes fraudsters must file the card slot to insert these, so there may be debris or the card slot may appear altered.

■ Keypad Overlays: These devices are placed over a keypad and can capture PINs as they’re entered.

■ Tiny Cameras: Cameras can be used in conjunction with skimming devices. The camera is placed in a location on the ATM or gas pump in order to record the user entering his or her PIN. Many skimming devices transmit information back to fraudsters using Bluetooth technology. However, some crooks could also be watching you enter your PIN with binoculars or by looking over your shoulder.

How to Prevent ATM Skimming

■ Scrutinize the ATM: Look for signs that the ATM might have been altered – parts that look crooked, a loose card reader, loose or spongy ATM keys, etc. If there is another ATM nearby, compare the two to see if there are obvious differences.

■ Be choosy: Visit high-traffic and high profile ATMs and gas pumps. Avoid gas pumps that are out of sight of the clerk and ATMs in areas with little traffic.

■ Cover the PIN pad: This prevents cameras and nearby thieves from seeing your PIN.

■ Pay inside: There is less chance a fraudster placed a card skimmer on the payment terminal in front of the clerk inside the gas station or convenience store.

■ Be vigilant: Be observant of your surroundings. Stand directly in front of the ATM while using it and watch for anyone standing too close. Also, check your accounts regularly and set up fraud alerts to be notified of any potential fraud right away.

If you suspect ATM skimming at one of our ATMs or if you’ve been the victim of ATM skimming, contact us right away.