Automated Teller Machines (ATMs) have made banking incredibly convenient, allowing people to access cash, check balances, and perform financial transactions 24/7. However, with convenience comes risk, as ATMs are often targeted by criminals using sophisticated tactics. Understanding how to use ATMs safely can protect your money and personal information. Let’s dive into what you need to know.

What are they?: Skimming devices are small gadgets criminals attach to ATMs to steal your card information. These devices may look like a part of the ATM but are designed to record your card details when you insert your card.

How to spot them: Before inserting your card, check the card slot. If it looks loose, bulky, or out of place, don’t use the ATM. Wiggle the slot gently to see if any part moves or feels strange. Also, inspect the keypad for overlays or rubber pads that may hide data-capturing devices.

When entering your PIN, always cover the keypad with your other hand to prevent hidden cameras from capturing your entry. Criminals sometimes place tiny cameras above or around the ATM to film people typing in their PINs.

Even if there doesn’t appear to be anyone around, take precautions. Technology has advanced, and criminals can hide recording devices in places you wouldn’t expect.

Use ATMs in well-lit, public places: Criminals are less likely to tamper with ATMs in busy areas because there are more witnesses. Indoor ATMs, like those in bank lobbies or inside malls, are generally safer than those in isolated outdoor locations.

Avoid sketchy locations: If an ATM feels unsafe or out of place, trust your instincts. ATMs located in dark alleys or near poorly lit buildings are riskier.

Be alert and aware of your surroundings. If you notice anyone lurking nearby or behaving suspiciously, wait to use the ATM or move to another location. Don’t hesitate to cancel your transaction if you feel uncomfortable.

Avoid using ATMs where groups of strangers are gathered. Thieves may work in pairs or groups, with one distracting you while another steals your money or card.

Don’t get distracted: Thieves often try to engage you in conversation or create a diversion while you’re using an ATM. Stay focused, and don’t allow anyone to distract you.

Take your receipt: Always take your receipt or opt for an e-receipt if the ATM offers one. Leaving behind a paper receipt may reveal account details that could be used to compromise your account.

Criminals sometimes use devices that trap your card inside the ATM. When you walk away thinking your card is lost, they retrieve it and gain access to your account.

If your card gets stuck, don’t immediately leave the ATM. Call your bank immediately using the number on the ATM (or your banking app) and report the issue. Stay put until you have spoken with a bank representative or until you are in a safe place.

Only withdraw the amount you need. Carrying large sums of money makes you a potential target for theft. If possible, plan your withdrawals and avoid frequent late-night trips to the ATM.

Keep an eye on your account for unauthorized transactions. If you notice any discrepancies, report them to your bank immediately. Many banks offer alert services that notify you when large withdrawals or suspicious activities occur.

Report skimming or tampering: If you suspect an ATM has been tampered with, report it to the bank and avoid using that ATM.

Stay calm: If you are approached by someone trying to rob you at an ATM, remember that your safety is more important than your money. Try to stay calm, comply with their demands, and then contact law enforcement as soon as it is safe to do so.

Cardless scams: Some ATMs allow cardless transactions through mobile banking apps. Criminals are exploiting this feature by tricking victims into revealing their banking credentials.

Fake ATMs: Yes, scammers have gone so far as to install fake ATMs that capture your data. These ATMs usually don’t give cash and are placed in locations where they appear legitimate.

ATMs have revolutionized how we manage our finances, but staying vigilant is essential to protect yourself from evolving threats. Always prioritize your safety, and when in doubt, choose a safer banking method. Technology may be advancing, but so are the methods used by cybercriminals. Stay informed, and remember: your security starts with you.