The Illinois Bankers Association (IBA) issued a news release making us aware of several, recent incidences of Automated Teller Machine “skimming” in the state. Skimming involves a device fraudulently attached to an ATM at the point where the card is inserted into the machine. The fraudulent device reads the magnetic strip on the back of the card, capturing account information. Similar scams have surfaced in recent years, and they quickly subsided as consumers become aware of skimming tactics. So we thought now was a good time to re-share this information with you.
If you detect a device on an ATM or if the card insert opening looks suspicious, do not use that ATM. Please call INB at 217-747-5500 or 1-877-771-2316 or your local police department.
Below are some additional ATM safety tips from the IBA.
- Thieves have targeted some stand-alone ATMs or retailers’ point-of-sale machines for “skimming” scams. They rig the “swipe” machine with a device that can capture the magnetic stripe and keypad information.
- Be wary of nearby strangers or “good Samaritans” that offer to help you, particularly when an ATM “eats” your card. They could be trying to obtain your card and PIN. Also be wary of “shoulder surfing” where the person behind you is close enough to read the information you enter into the machine.
- If an ATM looks suspicious – for instance, if it has a discolored card reader or an unresponsive keypad – use another machine.
- Check your online account and bank statements regularly. Make sure all payments are yours.
- Contact your bank immediately if your card is lost, stolen or subject to fraudulent use.
- Memorize your PIN. Never store it with your card.
- Keep your receipts. You’ll need them to check your statement. If they have your account number on them, shred them before throwing them away.
- Know your limits. Many issuers limit ATM withdrawals for your own protection. INB’s daily limits is $500.