Precautions while using an ATM
- Memorise your PIN. Do not write it down anywhere,and certainly never on the card itself
- Your card is for your own personal use. Do not share your PIN or card with anyone, not even your friends or family
- “Shoulder surfer” can peep at your PIN as you enter it. So stand close to the ATM machine and use your body and hand to shield the keypad as you enter the PIN
- Do not take help from strangers for using the ATM card or handling your cash
- Press the ‘Cancel’ key before moving away from the ATM. Remember to take your card and transaction slip with you
- If you take transaction slip, shred it immediately after use
- If your ATM card is lost or stolen, report it to your card-issuing bank immediately
- When you deposit a cheque or card into your ATM, check the credit entry in your account after a couple of days. If there is any discrepancy, report it to your bank
- If your card gets stuck in the ATM, or if cash is not dispensed after you having keyed in a transaction,call your bank immediately
- If you have any complaint about your ATM/Debit/Credit card transaction at an ATM, you must take it up with the bank that issued the card to you
Tips to Avoid Skimming
- Protect your PIN by standing close to the ATM and shielding or cover the key pad with your other hand when entering your PIN
- If you see anything unusual, strange, suspicious, something that does not look right with the ATM or if the keypad does not feel securely attached, stop your transaction and inform the bank
- If it appears to have anything stuck onto the card slot or key pad, do not use it. Cancel the transaction and walk away. Never try to remove suspicious devices
- Be cautious if strangers offer to help you at an ATM, even if your card is stuck or you are having difficulties. Do not allow anyone to distract you
- Keep your PIN a secret. Never reveal it to anyone, even to someone who claims to be calling from your bank or a police officer
- Check that other people in the queue are at reasonable distance away from you
- Regularly check your account balance and bank statements, and report any discrepancies to your bank immediately
