Westchester County

ATM Fraud

Beware ATM Fraud

Exercise caution when making an ATM withdrawal, particularly from a machine that is located in an non-bank environment, such as a grocery store, deli or shopping mall.  Follow these simple steps:

Perform an A.T.M. Inspection
Before swiping your card, consumers should examine A.T.M.’s for tell-tale signs of skimmers. Visible glue marks around the reader or PIN pad is a sign of tampering.

Perform an A.T.M. Area Inspection
Consumers should look around the A.T.M. area to see if anything looks out of the ordinary. For instance, are there brochures near the keypad, possibly hiding a miniature camera? Legitimate security cameras for banks will be clearly visible, while miniature cameras can easily be hidden and very small in size.

Cover Your PIN
When you type in your PIN, use your other hand to shield the keypad to block it from hidden cameras. This will also help protect your information from “shoulder surfers,” thieves who stand off to the side and try to record your PIN.

Know Which A.T.M.’s to Pay Special Attention To
A.T.M.’s in heavily trafficked areas like malls, airports and gas stations can have skimmers attached and may go unnoticed for a long period of time because there usually isn’t anyone nearby monitoring the machines.

Know When to Use Your Credit Card
In situations where your card goes out of your line of sight (like at a restaurant or hotel), use a credit card rather than a debit card. Many times you are afforded protections through your credit card company that are not available with your debit card.

Report anything suspicious immediately.

    Westchester County requires all non-bank ATMs to be registered. It's the law. Look for the seal. If you have problem, this will enable to trace the machine ownership. Try to avoid using machines that are not registered or not part of a bank.