ATM Security

ATM Skimming

How to check for skimmers

The most frequently used methods of skimming are used on the card reader insert area. Before using an ATM, be observant of the following parts of the ATM:

• PIN keypad
• Card insert slot

Once a skimmer is placed on this card reader, you can see that it looks slightly different, with the card reader appearing raised or bulkier.

When visiting an ATM, check these parts for:

• Tape and/or sticky glue residue on any part of the ATM
• Bulkiness on the card insert area or the PIN keypad
• Anything hanging from the ATM
• Wiggle the card slot or keypad for loose-fitting attachments

Check for additional attachments like pinhole cameras shining down on the keypad. This type of camera device is something that can take place at any ATM terminal or point of sale counter where you insert your card. The camera records your entry of a PIN as you type it in. The device will be painted the same color as the ATM or input terminal.

What if I find a skimmer on an ATM?

If you suspect the ATM you’re using may have a skimming device or if you see something that doesn’t quite seem right, notify the branch so they can take appropriate action. If you notice anything while the branch is closed, contact the police so they can investigate the suspicious activity.

What if I’ve been skimmed?

Make sure you review your transaction history frequently—we suggest at least once a week. If your card has been compromised, catching it early is the best way to minimize losses or inconveniences.

We want to reassure our members that they have zero liability if their cards were to be compromised. Report this fraudulent activity within 60 days of the transaction, and we will replace your card and dispute any charges that are fraudulent.

If you have any questions or concerns, call us at (800) 342-1184.