Fraud Prevention Security Tips

Fraud Prevention Security Tips

Have you been victim of fraudulent activity on your debit or credit card?

With the number of data security breaches increasing, it's important to ensure credit card thieves can't get your information.   Follow these simple tips to help keep your private information, private.

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Guard Your Cards

Check your debit or credit card when it’s returned after paying for items and make sure it’s your card that’s returned.

Don’t give your card number over the phone unless you initiated the call to a merchant you know and trust.

Don’t respond to emails asking for your account number even if they look to be from your financial institution.  Credit or debit card numbers are never used for “personal ID.”

Check your account frequently.  If you notice suspicious activity, report it immediately. 

 

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Protect Your Identity

Check your free credit report annually from Equifax, Experian, and TransUnion by visiting annualcreditreport.com.  Set alerts with each credit bureau to receive fraud notifications.

Update your account user names, passwords, and/or PINs for all your financial accounts.

Be wary of phishing emails that imitate legitimate institutions.  These emails are designed to capture your personal information.

 

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Check for Tampering at the ATM

Check for some obvious signs of tampering at the top of the ATM, near the speakers, the side of the screen, the card reader itself, and the keyboard.  Look for color or material, graphics that aren't aligned correctly, or anything else that doesn't look right.

If you have multiple machines, compare them to each other.  If one ATM has a flashing card entry to show where you should insert the ATM card and the other ATM has a plain reader slot, something may be wrong.  Since most skimmers are glued on top of the existing reader, they may obscure the flashing indicator.

If the keyboard doesn't feel right—too thick, perhaps—then there may be a
PIN-snatching overlay.

Even if you can't see any visual differences, push on or wiggle everything. ATMs are solidly constructed and generally don't have any jiggling or loose parts.  Tug at protruding parts like the card reader.  See if the keyboard is securely attached and just one piece.

Look for pinholes that might be hiding a camera.  Maybe it's over your shoulder or through a hidden camera.

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