If you are like most people, you know how to use an Automated Teller Machine and enjoy the convenience such cash machines offer.
Unfortunately, the ATMs are a common target for tech-savvy thieves, which is why you need to protect your PIN and other personal information while conducting a transaction.
You may also need to protect your dispensed cash and yourself from more aggressive robbers. Always remember, however, that no stack of cash is worth risking bodily injury or worse.
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Here are some tips from MasterCard on how to stay safe and secured when using the ATM
Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.
Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.
Put your cash, card, and receipt away immediately. Count your money later, and always keep your receipt.
If you see anyone or anything suspicious, cancel your transaction and leave immediately.
If anyone follows you after making a transaction, go to a crowded, well-lit area and call the police.
When using an enclosed ATM that requires your card to open the door, avoid letting strangers follow you inside.
When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.
Do not leave your car unlocked or engine running when you get out to use an ATM.
While many ATMs are available 24 hours a day, some may be open only during local business hours. To be on the safe side, plan your withdrawals ahead of time.
Check with your financial institution to determine what the daily withdrawal limit is for your account.
Protecting Your Card
Keep your card in a safe place to avoid damage or theft.
Memorise your PIN. Never write the PIN down on anything in your wallet or on the card.
When selecting a PIN, avoid numbers and letters that relate to your personal information.
For example, don’t use your initials, birthday, telephone or Social Security number. If you have such a number, contact your bank and get a new PIN issued.
Immediately report a lost or stolen card to your financial institution.
To help guard against fraud, keep your ATM receipts until you check them against your monthly statement.
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