The World’s Top Twenty Tips for
Choosing an ATM
Where possible, use ATMs
with which you are most familiar. Alternatively, choose well-lit,
well-placed ATMs where you feel comfortable.
Scan the whole ATM area
before you approach it. Avoid using the ATM altogether if there are any
suspicious-looking individuals around or if it looks too isolated or unsafe.
Avoid opening your purse,
bag or wallet while in the queue for the ATM. Have your card ready in your
hand before you approach the ATM.
Notice if anything looks
unusual or suspicious about the ATM indicating it might have been altered.
If the ATM appears to have any attachments to the card slot or key pad, do
not use it. Check for unusual instructions on the display screen and for
suspicious blank screens. If you suspect that the ATM has been interfered
with, proceed to another ATM and inform the bank.
which have messages or
signs fixed to them indicating that the screen directions have been changed,
especially if the message is posted over the card reader.
Banks and other ATM owners
will not put up messages directing you to specific ATMs, nor would they
direct you to use an ATM which has been altered.
Using an ATM
Be especially cautious when
strangers offer to help you at an ATM, even if your card is stuck or you are
experiencing difficulty with the transaction. You should not allow anyone
to distract you while you are at the ATM.
Check that other
individuals in the queue keep an acceptable distance from you. Be on the
look-out for individuals who might be watching you enter your PIN.
Stand close to the ATM and
shield the keypad with your hand when keying in your PIN
( you may wish to use the
knuckle of your middle finger to key in the PIN).
Follow the instructions on
the display screen, e.g. do not key in your PIN until the ATM requests you
to do so.
you feel the ATM is not
working normally, press the Cancel key and withdraw your card and then
proceed to another ATM, reporting the matter to your financial institution.
Never force your card into
the card slot.
Keep your printed
transaction record so that you can compare your ATM receipts to your monthly
If your card gets jammed,
retained or lost, or if you are interfered with at an ATM, report this
immediately to the bank and/or police using the help line provided or
Do not be in a hurry during
the transaction, and carefully secure your card & cash in your wallet,
handbag or pocket before leaving the ATM.
Managing Your ATM Use
Memorise your PIN
(if you must write it down,
do so in a disguised manner and never carry it with your card).
NEVER disclose your PIN to
anyone, whether to family member, bank staff or police.
Do not use obvious and
guessable numbers for your PIN like your date of birth.
Change your PIN
periodically, and, if you think it may have been compromised, change it
Set your daily ATM
withdrawal limit at your branch at levels you consider reasonable.
Regularly check your
account balance and bank statements and report any discrepancies to your
Urban Myth about reversing your PIN number to signal distress is just that....a
MYTH...it does not work!
Please note that you should show the same precautionary care when using your
card(s) at a POS (point of sale) pinpad terminal in a retail environment or at a
restaurant or when conducting transactions online, telephonically or when
writing cheques (checks) – speak to your bank branch about security when using
these other service delivery channels