ATM Safety: Tips to Protect Your Card From Fraud
ATM fraud is rising across Texas and nationwide, from card skimmers to card cloning and PIN theft. Criminals are using advanced technology to steal card numbers and gain access to your accounts. At The People’s Federal Credit Union, we understand how important secure ATM usage is for our members. We are committed to keeping you safe with practical guidance, advanced fraud protection, and tools to help you respond quickly if your card is compromised.
As your trusted Texas credit union in Amarillo, TX, we offer both ATM cards, which are used with savings accounts, and ATM/Debit cards, which allow broader access including checking accounts. No matter which card you use, it’s important to stay informed and vigilant about ATM scams, and protect your card from fraud every time you visit one of our automated teller machines.
ATM Safety Tips for Every User
Here’s an easy-to-follow safety checklist for safe ATM usage and card security.
- Choose your PIN carefully
When choosing a PIN make sure to use a unique combination and avoid familiar numbers and letters that include your personal information. - Memorize your PIN (Personal Identification Number)
You should never write your PIN down on your card or keep it in your wallet, purse, or on your person as this makes it easy for thieves to access your account. - Keep your PIN a secret
Never share your PIN with anyone else, and do not allow anyone else to enter your PIN for you at the ATM. - Be prepared for ATM visits
Make sure you have a supply of deposit envelopes at home or in your car, and that you have any necessary transaction paperwork ready. It will minimize the amount of time spent at the ATM and the possibility of a criminal taking a chance to steal from you.
Protecting Yourself and Your Information at the ATM
- Take safety precautions
Take someone with you. Using the buddy system can help keep you safe by having someone keep a lookout for any suspicious behavior while you use an ATM. Use only well-lit ATMs in secure areas, especially if using one at night. - Have your card ready
When approaching the ATM, have your card ready in hand to avoid being distracted by rummaging through your purse or wallet for your card. - Inspect the ATM
Be on the lookout for any signs of tampering on the ATM keypad and card reader. Do not use the ATM if the card reader slot or keypad looks different from the financial institution’s color scheme. Criminals can attach devices called card skimmers to the payment terminal of an ATM and steal information from your card when you insert it. - Protect your ATM card
In the event your ATM card is lost or stolen, report the incident to us immediately so we can cancel or freeze it. This will help you avoid losing any money should thieves be able to access your account. - Have any checks, envelopes, or paperwork ready
Have your transaction paperwork ready before you go to the ATM. It will minimize the amount of time spent at the ATM and the possibility of a criminal taking a chance to steal from you.
During the Transaction
- Be vigilant
Stay aware of your surroundings when approaching an ATM. If you see any suspicious activity, especially people in parked vehicles lurking or lingering in the vicinity of the ATM, proceed with caution. - Always cover your PIN
Shield the screen and keypad when entering your PIN. This is a second layer of PIN protection. - Consider drive-up ATM safety
While at a drive-thru ATM, stay in gear with your vehicle secured, windows up, and enough space left to safely steer around other cars if needed. - Cancel the transaction if anything feels off
If you notice hidden cameras, see strangers acting suspiciously, or suspect that there may be an ATM skimmer, trust your instinct and back out. - Always prioritize your personal safety
Should you find yourself in a situation where a criminal is demanding cash or valuables from you, always comply. Your life is more valuable than money.
After Your Withdrawal
- Put your cash away
After withdrawing cash from the ATM, don’t count out your cash in the open. Instead, wait until you are safely in your car or home to count your money. - Keep your receipt
Some transaction receipts contain your personal account information like your name, surname, or address. It could also contain the last four digits of your ATM card number or account number. Taking it with you prevents others from getting hold of your information. - Watch for any followers
When you complete your transaction make sure you are not followed to your car. If you notice anyone following you, drive straight to your nearest police station, sheriff’s office, or fire station. - Keep track of your transactions
Pay close attention to your bank statements, check your account balances regularly, and notify your bank immediately of any problems or anomalies you notice.
Keep these necessary safety precautions in mind next time you visit an ATM to prevent the most common crimes, increase your personal security, and prevent yourself from becoming an ATM crime victim.
Why TPFCU Prioritizes Your Safety
At our Amarillo, TX credit union, theft protection and fraud prevention are important parts of our everyday mission. We protect your funds at every point, including monitoring activity at point-of-sale devices and ensuring reliable ATM security.
We help safeguard your ATM usage with security features like:
- Advanced fraud detection systems to flag unusual ATM withdrawals and transactions
- Zero liability protection for fraudulent charges made with your ATM card or credit card when members monitor their accounts and report unauthorized activity promptly.
- Ongoing fraud awareness education to help you spot scams before they happen
- Branch locations across Amarillo, Texas, that follow strict security protocols and offer well-lit, secure ATMs
Frequently Asked Questions About ATM Safety
Contact TPFCU immediately. We’ll lock your card, monitor for fraudulent charges, and issue a replacement.
Report any tampering, ATM skimmers, or strange activity to the police and notify TPFCU so we can investigate and alert other members.
Yes! You can freeze your card through our online banking or mobile app. This helps prevent unauthorized ATM transactions and card fraud.
Your best defense against ATM fraud is staying alert. As a TPFCU member, you can regularly review your account activity through our secure online banking platform. If you notice any suspicious transactions or unauthorized ATM withdrawals, contact us right away.
Contact us today to become a TPFCU member or discuss how you can prevent fraud and theft. Let’s work together to keep ATM usage safe—for you, your finances, and your future.
