- Use ATMs that you are familiar with.
- Be aware of the area. Watch for suspicious-looking individuals.
- Have your card ready in your hand before you approach the ATM.
- If the ATM looks unusual 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 credit union or bank.
- Avoid ATMs 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. 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.
- Be 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.
- 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.
- Follow the instructions on the display screen. e.g. do not key in your PIN until the ATM requests you to do so.
- If 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 statement.
- If you card gets jammed, retained or lost, or if you are interfered with at an ATM, report this immediately to the credit union and/or police using the help line provided or nearest phone.
- 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.
- Daily ATM withdrawal and point of sale limits are set by your credit union. This protects you.
- Memorize 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 you PIN like your date of birth.
- Change your PIN periodically, and, if you think it may have been compromised, change it immediately.
- Regularly check your account balance and monthly statements and report any discrepancies to your credit union immediately.
* 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 checks.