Skimming/Ghosting

COMMON FRAUD SCAMS

In this scam, thieves attach electronic devices called skimmers to ATMs or other payment terminals in order to record the data from the magnetic strip on the back of your card. A tiny camera is often hidden near a skimmer to record your PIN as it is entered. The thieves then use all of the information they have gathered to manufacture counterfeit cards, make purchases and withdraw funds from your accounts. Skimming devices come in many forms and can be hard to detect.

Watch as three men distract the store clerk and place card (reader) skimmer on ATM Point-of-Sale Machine.

 

How to Protect Yourself:

  • Look at the Machine: Inspect the ATM before use. If anything looks loose, fits poorly or otherwise suspicious, do not use it. Pay careful attention to what the card reader and keypad normally look like on the ATMs you use most frequently.
  • Choose Wisely: When possible, avoid using machines that are unfamiliar to you and opt for secure ATM machines under video surveillance or inside of a building. They’re less likely to be tampered with.
  • Cover the keypad as you enter your pin code to thwart hidden cameras.
  • Contact us immediately if an ATM machine appears suspicious, if it does not prompt you to enter your PIN code, or if it does not function properly.

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