Protect yourself from skimming at payment terminals & ATMs.
How to spot card skimmers.
Identifying Signs of a Skimmer
- Glue marks around the reader
- Tape sticking out from under the reader
- Reader is skewed or hanging off to the side
- Loose piece of plastic or equipment sticking out from reader
Small cameras are often attached to the ATM to get your PIN number after you enter your card. Cameras may be hidden above the PIN pad, above the display screen, or in nearby structures, like a rack or shelf.
- If you see a small pinhole drilled into the ATM, be careful, as it could be a small camera.
- If you see something like a pack of cigarettes, book, deck of cards, or mug sitting on or near the ATM, move it aside to see if it is hiding a camera.
- Legitimate cameras installed by the bank are usually very noticeable. They may be large, and there may be a sign indicating where they are. Card skimmer cameras are usually very small or hidden.
These are usually shaped as a rectangular bar. It will usually be glued or taped onto the ATM itself. This bar may contain a camera and other equipment to get your card info.
- Look for a small pinhole in the bar. If you see one, it likely contains a small camera.
- If it is attached to the light, be especially wary. Normally, there should nothing covering the ATM's light.
- If you're uncertain about a piece of equipment on the ATM, try wiggling it with your hand. If it budges or moves, it is likely a skimmer.
Useful tips to avoid card skimmers and guard against fraud:
- Keep an eye out. – Be aware of your surroundings and people nearby.
- 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.
- Be ready. Have your card ready for your transaction when you approach the card reader or ATM.
- Memorize your PIN. – never write it down or store it with your card.
- Cover those keys. – when you are typing in your PIN cover your hand.
- 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.
- Watch out for weekends. – Criminals typically install skimmers on Saturdays or Sundays, and then remove them before locations reopen on Monday.
- 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.
- 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.
- 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.
- 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 loss.
- We monitor both local and international fraud trends to make sure we are aware of the latest scamming developments.