Withdrawing money from an ATM is a routine task for many, but it’s important to stay vigilant to protect yourself from potential risks. From ensuring your personal safety to safeguarding your financial information, here are several key things to look out for when you’re at an ATM.
1. Choose a Safe Location
Daytime Use
- Prefer daylight hours: Use ATMs during the day when visibility is better and there’s more foot traffic.
- Busy locations: ATMs located in well-populated areas or inside bank branches are generally safer.
Nighttime Use
- Well-lit areas: If you must use an ATM at night, choose one in a well-lit area.
- Avoid isolated ATMs: Steer clear of ATMs in secluded spots, such as alleyways or poorly lit corners.
2. Inspect the ATM for Skimming Devices
- Card reader: Look for any unusual attachments or devices on the card reader. These might be skimming devices used to capture card information.
- Keypad: Check if the keypad feels loose or thicker than usual. A fraudulent keypad overlay can be used to record your PIN.
- Cameras: Be cautious of hidden cameras that might be installed to capture your PIN entry. Look around for any suspicious objects placed near the ATM.
3. Be Aware of Your Surroundings
- Stay alert: Keep an eye on the area around you. If you notice someone loitering or behaving suspiciously, it’s best to leave and find another ATM.
- Do not engage with strangers: If approached by someone offering help, politely decline and proceed with caution.
4. Protect Your PIN
- Cover the keypad: Use your hand or body to shield the keypad while entering your PIN.
- Memorize your PIN: Avoid writing down your PIN or keeping it in your wallet.
5. Use Technology to Your Advantage
- Contactless ATMs: Where available, use contactless ATMs that allow you to withdraw money using your smartphone or contactless card.
- Bank apps: Use your bank’s mobile app to locate the nearest ATMs and ensure they are legitimate.\
Also Check
6. Check Your Account Regularly
- Monitor transactions: Regularly check your bank statements and transaction history for any unauthorized activities.
- Set up alerts: Many banks offer alerts for transactions over a certain amount. Set these up to receive immediate notifications of withdrawals.
7. Emergency Procedures
- Know your bank’s emergency number: In case your card is swallowed by the ATM or you suspect fraud, contact your bank immediately.
- Stay calm: If you feel threatened, calmly leave the area and contact the authorities if necessary.
8. Avoid ATM Frauds
- Shoulder surfing: Be wary of people standing too close, as they might be trying to observe your PIN.
- Cash trapping: Check if there are any unusual attachments to the cash dispenser, which could trap your cash.
9. ATM Usage Tips
- Withdraw smaller amounts: To minimize risk, withdraw smaller amounts of cash.
- Be quick and discreet: Complete your transaction quickly and discreetly. Put your cash and card away immediately.
Conclusion
Using ATMs can be safe and convenient if you take the right precautions. By staying alert, inspecting the machine, protecting your PIN, and monitoring your accounts, you can significantly reduce the risk of fraud and ensure your personal safety. Always trust your instincts—if something feels off, it’s better to find another ATM or conduct your transaction inside the bank.
