yourself from skimming at payment terminals & ATMs.
Skimming is an
illegal activity that involves the installation of a device, usually
undetectable by card users, that secretly records bank account data when the
user inserts a debit or credit card into the card reader. Criminals can then
encode the data onto a blank card and use it to loot the customer’s bank
How to spot card skimmers.
There are different kinds of skimmers. It is often an
inconspicuous device that’s smaller than a deck of cards. Sometimes tiny
cameras are used to observe people as they put in their PIN. Other times, a
very thin, basically duplicate keypad will be placed over the keypad.
Skimmers can be
installed on a payment terminal such as a gas pump, ATM or it could even be a
hand-held unit used by a corrupt employee at a restaurant, store or other
Useful tips to avoid card skimmers and guard against fraud:
1. Keep an eye out. – Be aware of your surroundings and people nearby.
2. Check for tampering. – When you approach an ATM or a merchant’s
card reader, check for some obvious signs of tampering at the top of the machine,
near speakers, the side of the screen, the card reader itself, and the
keyboard. Note if things look different, such as a dissimilar color or
material, graphics that aren't aligned correctly. If something doesn’t look
right stop your transaction and inform the merchant and 1st Source.
3. Be ready. Have your card ready for your transaction when you
approach the card reader or ATM.
4. Memorize your PIN. – never write it down or store it with
5. Cover those keys. – when you are typing in your PIN
cover your hand.
6. Wiggle Everything. – Even if you can't see any visual
differences, push at everything. Terminals are solidly constructed and
generally don't have any jiggling or loose parts.
7. Watch out for weekends. – Criminals typically install skimmers
on Saturdays or Sundays, and then remove them before locations reopen on
8. Use the chip. – Whenever possible, don't use your card's magnetic stripe to
perform the transaction. When you use your chip card your personal information
is never transmitted.
9. Use your phone and Mobile Wallet. Consider using Apple Pay, Samsung Pay,
or Android Pay. These services tokenize your card information, so your personal
information is never exposed. If a criminal somehow intercepts the information,
he'll only get a useless virtual credit card number.
10. Pay attention to your cell. Keep your phone handy so 1st Source
can reach you. Keep your phone numbers and email address up-to-date with the
bank. Responding quickly can mean stopping attacks before they can affect you.
something doesn't feel right regarding an ATM or a merchant’s card reader,
don't use it.
There are other safeguards.
- With Fraud Monitor, we analyze your debit and ATM card
transactions 24 hours a day — if a suspicious transaction is found, then one of
our fraud analysts will contact you to confirm the transaction and prevent
- We monitor both local and international fraud trends to
make sure we are aware of the latest scamming developments.