Before using an ATM, you should take several precautions to ensure your safety and protect your financial information:
- Choose an ATM located in a well-lit, busy, and open area, preferably inside a building or where surveillance cameras are present. Avoid remote or hidden ATMs, especially at night
- Be alert and aware of your surroundings. If you notice any suspicious people or activity, consider using a different ATM or returning later
- Have your ATM or debit card ready before approaching the machine to minimize the time spent at the ATM and avoid fumbling with your wallet or purse in public
- Prepare any deposit slips, checks, or cash deposits in advance, or if you need to use an envelope from the ATM, step away to a safe location to complete the preparation
- Check the ATM for any signs of tampering, such as unusual attachments on the card reader, keypad, or cash dispenser. If anything looks suspicious, do not use the ATM and report it to the bank
- Memorize your PIN and never write it down or share it with anyone. When entering your PIN, shield the keypad with your hand or wallet to prevent others from seeing it
- Stand directly in front of the ATM and between the machine and any person behind you to block their view of your transaction and PIN entry
- If you feel uncomfortable or someone is too close, politely ask them to step back. If they do not, cancel your transaction and leave to a safe place or use another ATM
- After completing your transaction, immediately put your cash, card, and receipt away before leaving the ATM. Do not count your money in public
- If the ATM malfunctions or you encounter problems, do not accept help from strangers. Contact your bank or use another ATM
Following these steps helps reduce risks of theft, fraud, and personal harm when using an ATM.
