If your card has been compromised, catching it early is the best way to minimize losses or inconveniences. We want to reassure our members that they have zero liability if their card were to be compromised. Report this fraudulent activity within 60 days of the transaction, and we will replace your card and dispute any charges that are fraudulent. Note that Northwest Community Credit Union is not responsible for the product, service, security, or overall website content available at the linked site.
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This content is powered by HomeInsurance. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions such as approval for coverage, premiums, commissions and fees and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. ATM skimming is a type of payment card fraud.
It is a way of stealing PINs and other information off credit cards and debit cards by rigging machines with hidden recording devices.
Bank ATMs and payment terminals at gas pumps and other merchants are the targets of this scam. Even chip-enabled payment cards, which are more secure than magnetic stripe cards, are vulnerable to theft. By placing a super-thin shim between the chip and the chip reader inside the ATM, thieves can capture your PIN and other card information. You hear quite a lot about ATM skimming these days, especially at gas pumps. To avoid becoming a victim of ATM skimming and possibly having your bank account cleaned out, follow these tips:.
Besides using safer payment methods, there are some physical, common-sense ways to avoid being an ATM skimming victim:. While some criminals skulk around banks and stores to attach skimmers to physical payment terminals, other criminals steal your credit and debit card data without getting out of their pajamas. Criminals often install skimmers on the weekends, when banks are closed. Your chances of finding a skimmer are lower on weekdays.
Monitor your bank account several times a week. If you find suspicious activity on your account, your bank may be able to return the money to you as long as you report it right away. Check your bank account times a week to make sure there is no one else accessing your money. Usually your bank will text you if they notice suspicious activity. Use another ATM if you are in doubt. There is no foolproof way to tell if there is a skimmer attached to your ATM. If you have the slightest doubt, use a different ATM.
Always trust your gut. Include your email address to get a message when this question is answered. By using this service, some information may be shared with YouTube. Related wikiHows How to. How to. More References 6. About This Article. Co-authored by:. Co-authors: 6. Updated: September 16, Categories: Banks and Financial Institutions.
Deutsch: Einen Geldautomaten Skimmer entdecken. Thanks to all authors for creating a page that has been read 46, times. Did this article help you? Yes No. Cookies make wikiHow better. By continuing to use our site, you agree to our cookie policy. By signing up you are agreeing to receive emails according to our privacy policy. Follow Us. Thieves build these gadgets themselves and then install them on ATMs.
There are many different kinds—some looking obvious and can be easily removed, but some are more difficult to spot. Some skimmers save the data on the device itself, meaning the thief needs to retrieve the device to download the stolen data. Others contain a system that sends the data over a GSM network. When withdrawing money, always pay close attention to any objects attached to the machine and its surroundings. A slight discoloration of a card reader could be a tip-off, as could a keypad that looks newer than the rest of the device.
There are two ways thieves can use your card information. Alternatively, they might sell your data on the black market. ATM skimming can happen anywhere, from traveling in rural India to working in downtown Chicago. Skimming frequently happens in public areas or on ATMs outside banks in convenience stores or malls for example.
ATMs in crowded spaces are insecure since no one regularly watches them. That makes tampering easier.
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