Overview of ATM skimming
ATM skimming involves the scammer placing a device where you may use a debit or credit card. They place the skimming devices on gas pumps or ATMs to scan your card and steal PINs.
The card-skimming devices often blend in with the machines, so they often go unnoticed. The scammer or a group of scammers will then save the data on fraudulent ATM cards to use later. The scammer may also use a shimmer placed inside the card readers, a camera or a keyboard overlay to get numbers.
How to avoid card-skimming fraud
There are many ways you can avoid being a victim of financial crimes with ATMs. Check the ATM for glue or tape residue, differences in color or size, or devices hanging from the machine. Your card should slide smoothly, so attempt to wiggle it in the slot to check for devices.
If you must use an ATM, cover the keypad when you type, and try to avoid outdoor ATMs in dim areas. ATMs inside a building are less likely to pose a security risk from skimming and shoulder surfers.
When possible, make transactions using your bank’s app or your smartphone to avoid using your card. If you have concerns about a card reader, inform the merchant because your security matters to them.
A financial crime often has devastating consequences for those who have their personal information stolen, but you don’t have to fight alone. If you think you have been a victim of ATM skimming, consider seeking an attorney to help you report it and recoup your losses.