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Written by the ABA Education
Foundation
The automated teller machine (ATM) revolution
has made banking more convenient today than ever before. With the
touch of a few buttons, you can withdraw cash, make deposits and
transfer funds virtually anywhere an ATM is located.
The Bank's Role
To ensure customer safety at ATMs,
banks are putting ATMs in areas that are visible by passers-by,
trimming landscape to prevent potential criminals from hiding, and
installing or upgrading lighting that is bright enough for use at
night.
Some banks also have installed cameras,
rear-view mirrors, panic buttons and special signs. And most banks
limit the amount of cash that can be withdrawn on a daily basis.
The Customer's Role
Bank customers should always use
common sense when using an ATM. These tips are a start, but the best
advice is simply not to use an ATM if you feel at all uncomfortable
doing so. ATMs provide convenience, but they haven't replaced the
bank teller. If you prefer, conduct your business in the bank lobby.
Exercise care when
using an ATM, and follow these general rules:
Protecting Your ATM Card
Using an ATM
Special precautions
for using an ATM at night
Protecting Your ATM Card
 Always
protect your ATM card and keep it in a safe place, just like you
would cash, credit cards or checks.
 Do not leave
your ATM card lying around the house or on your desk at work. No one
should have access to the card but you. Immediately notify your bank
if it is lost or stolen.
 Keep your
Personal Identification Number (PIN) a secret. Never write it down
anywhere, especially on your ATM card.
 Never give
any information about your ATM card or PIN over the telephone. For
example, if you receive a call, supposedly from your bank or
possibly the police, wanting to verify your PIN, do not give that
information. Notify the police immediately.
Using an ATM
 Be aware of
your surroundings, particularly at night. If you observe or sense
suspicious persons or circumstances, do not use the machine at that
time.
 Have your
ATM card ready and in your hand as you approach the ATM. Don't wait
to get to the ATM and then take your card out of your wallet or
purse.
 Be careful
that no one can see you enter your PIN at the ATM. Use your body to
"shield" the ATM keyboard as you enter your PIN into the ATM.
 To
keep your account information confidential, always take your
receipts or transaction records with you.
 Do not count
or visually display any money you received from the ATM. Immediately
put your money into your pocket or purse and count it later.
 If you are
using a drive-up ATM, be sure passenger windows are rolled up and
all doors are locked. If you leave your car and walk to the ATM,
lock your car.
Special Precautions for Using an ATM at Night
 Park close
to the ATM in a well-lighted area.
 Take
another person with you, if at all possible.
 If the
lights at the ATM are not working, don't use it.
 If
shrubbery has overgrown or a tree blocks the view, select another
ATM and notify your bank.
ATM Crime
These tips are meant to make you aware that although rare, ATM crime
can happen. Preventing such a crime must be a cooperative effort
between you and your bank. |
