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Nine tips to help prevent crime at ATMs

There are more than 400,000 ATMs in the United States and that number is growing. Banks work in each community to provide a service while keeping customers’ money safe at those locations. But individuals have an opportunity to help with security as well.






If you see something, say something ” is a national campaign created by the U.S. Department of Homeland Security that raises public awareness regarding crime indicators and the importance of reporting suspicious activity. Individuals can use resources like this and the information below to become more aware of how they can play a part in ATM crime prevention and reduce personal risk.

Catch and Report

Understanding what to look for and knowing how to report is crucial in helping stop ATM skimming. What does an ATM skimmer look like? Here you will see the PIN capture camera in place at the top of the screen where it should be flat and the magnetic strip data skimmer in place on the card reader. If you notice or see something like this on an ATM, report it to local law enforcement immediately.

Knowing how to identify automatic teller machines that have been tampered with can help with ATM crime prevention.The American Banking Association  also recommends that customers follow these eight ATM crime prevention and safety tips:

  • First and foremost, use your hand to shield the ATM keyboard as you enter your PIN. A skimming device must capture your PIN by video for fraudsters to use captured card data.
  • Keep your PIN number a secret. Never write it down or share it with anyone – not even family members.
  • Be aware of your surroundings, particularly at night. Make sure the ATM is free of sight obstructions. If you observe suspicious persons or circumstances, do not use the machine.
  • Bring someone with you when using an ATM at night. If you can’t, use an ATM that is located in a public area like a convenience or grocery store.
  • If you suspect the card reader or the security seal on it has been tampered, find another ATM to help avoid a potentially fraudulent reader.
  • Have your ATM card ready and in your hand as you approach the ATM.
  • Always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse, and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car

Remember, if see something suspicious, report it immediately. For more information on ATM crime prevention and other scams impacting consumers, visit our Scams to Watch page on UMB.com/Security.

graphic line breakBased on this piece, we think you might also be interested in reading the following blog posts:

* Tips for avoiding an online dating scam
* Preparing today can help for tomorrow’s cyber attacks
* The evil airline phishing attack

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.

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When you click links marked with the “‡” symbol, you will leave UMB’s Web site and go to Web sites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other Web sites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.