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Avoid ATMs in dark locations, with obstructed views, or in the vicinity of anyone or anything suspicious. If you’re already making a transaction and something suspicious happens, stop the transaction and leave the area.
If you use an ATM in a locked foyer or vestibule, make sure the door closes and locks before you start your transaction. Don’t hold the door open for the person waiting behind you. Each person should have their own card to gain entry.
Be prepared to start your transaction right away. Use caution when counting your money. Put your receipt, card and money away as soon as you’re finished.
If you’re followed after leaving an ATM, go quickly to a well-populated, well-lit area. Report the incident to the police as soon as possible.
Your PIN prevents others from using your card, so don’t share it. Memorize it. Never store your PIN with your card. Don’t use your birthdate or Social Security number. When entering your PIN, stand in front of the ATM keyboard to block anyone’s view.
Keep your doors locked and the engine running. Open your window only when you are ready to make the transaction. If the area looks suspicious, don’t stop at the ATM. If you have already started the transaction, stop it and drive away.
Although your ATM or debit card can be used only with the correct PIN, you should report a lost or stolen card to your financial institution immediately.
Check your receipts against your monthly statement to reduce the chance of transaction fraud. Report any unauthorized transactions or irregularities to your financial institution.
For more tips on safeguarding your accounts, check out Your Guide to Preventing and Managing Overdraft Fees from the Federal Deposit Insurance Corporation.