Lost or Stolen Debit Card

If you suspect unauthorized use of your card or if your card is lost or stolen, report this immediately by calling the LOST OR STOLEN CARD HOT LINE 1-800-500-1044.

ATM Safety Tips

Here are some important safety tips to remember when using your MasterCard / Debit Card:

  • ATM card skimmers

Thieves have designed what are referred to as “ATM skimmers” to swipe your  card and bank information as you swipe your card. These skimmers are utilized  by thieves all over the world, so it’s a good idea to pay extra attention to that bank machine before you put your card in the slot.

An ATM skimmer is a device that is placed over the slot where you’d insert your  card into an existing bank machine (and, in some cases, other card readers like  the ones at self-serve gas stations).

They’re designed to look exactly like the real machine they’re covering, and  sometimes they’re even more detailed than the actual machine, so that the extra  bits of plastic and metal can disguise more pieces of the skimmer.

  • How ATM skimmers work

When you insert your debit or credit card into a cash machine, there’s a reader  on the inside of the machine that interprets the information on your  card’s magnetic strip, and that, coupled with the PIN you type into the keypad,  gives you access to the money in your bank accounts.

If you put your card into a bank machine that has a skimmer device on it, the  ATM isn’t the only thing reading your card information – the skimmer also has a  reader in it that records the information on your card’s magnetic strip. Without  your PIN, however, even the information on the magnetic strip wouldn’t  be enough for a thief to get at your account – which is why the second element  of an ATM skimmer is a tiny pinhole somewhere over the keypad that hides a  mini-camera. As soon as you insert your card into an ATM with a skimmer  device, the camera is activated and it records your movements – and, therefore, your PIN.

Because ATM skimmers are placed over existing card slots on real and legitimate  cash machines, you’re still able to go through your transaction as if nothing has  happened. Or, in some cases, the screen will tell you there’s been a malfunction –  but it will look like a normal error message from the bank. It’s only later that the   information the skimmer gathered will be used to access your account.

It’s easy to mistake a bank machine that’s been tampered with for a perfectly safe  place to withdraw money.

There are many different kinds of skimmers, too. Some of them are, frankly,  easier to spot than others.

  • How to protect yourself from ATM skimmers

The first thing to make sure of when you’re using an ATM – whether it’s the cash  machine you use often at home or an unfamiliar machine you’re using while  traveling – is that you’re paying closer attention than most people usually do to  the machine itself. Does it look like there’s a piece of metal or plastic around the  card reader that could easily come off if you pulled on it? Is there a pinhole in a  piece of equipment right above the keypad?

Whether or not you’re using a bank machine that’s familiar to you, it’s never a  bad idea to somehow cover your hand as you’re typing your PIN into the  keypad. As mentioned, it’s the combination of the information on your  card’s magnetic strip and the PIN the camera records that gives the thieves  complete access to your bank account, so without your PIN they’ll have a much  bigger hurdle to climb over to get at your money.

Using cash machines in very public areas can be a good way to avoid machines  that are targets for skimmers in the first place, as they offer less opportunity for  thieves to install and later remove the skimmers without being seen. Bank  machines can be found inside grocery or convenience stores, and sometimes  there are bank machines inside the banks to which they’re attached. When in  doubt, these machines are a better bet simply because there’s always someone  “watching” them.

Finally, even when you’re traveling it’s a good idea to check in with your bank  account online every so often if you can. So a day or so after each transaction, log into your account online to find out if anything other than your  transactions are showing up, it may give you enough of a heads-up to stop  any further theft.

And in any situation, if you have one of those “funny feelings” about a bank  machine, don’t put your card in it – find another machine and use it instead.

  • Treat your card as cash.

  • When at a gas pump, verify the security tape over the gas pump cabinets hasn't been tampered with.If the security tape is removed, cut, or the gas pump pump appears to be tampered with, do not use it. 

  • Run debit cards as credit cards so that you don't have to enter your pin.  This can prevent PIN compromises that can occur when using a debit card.

  • Report lost or stolen cards immediately.

  • At a drive up facility, keep your doors locked and all passenger windows closed.

  • Remove your cash, receipt and card after every transaction. If you make a withdrawal, pocket cash immediately.

  • Block others’ view. Always stand between the terminal and any person who is waiting, or cup your hand over the keypad as you enter your PIN.

  • Memorize your PIN. Don’t tell anyone your PIN or account number and never loan anyone your card. Never write your PIN on your card or anything you carry with or near your card.

  • Never give your PIN over the phone or Internet.

  • Do not expose your card’s magnetic stripe to magnetic objects.

  • Check your account transactions regularly by using our Online Banking service or InfoLink. If you suspect unauthorized usage of your debit card, contact us immediately during regular banking hours or call the Debit Card Hot Line anytime at 1-800-500-1044.