Protect yourself and your identifying information when using automatic teller machines (ATM)

ATMs have made banking quick and convenient over the past 25 years. Now that many ATMs are accessible via speech devices, blind and visually impaired persons can enjoy the convenience that the sighted public has taken for granted. However, the convenience of ATMS comes with a price which is a risk to your security and privacy.

By following the recommendations listed below you can minimize these risks:

1. Be very careful with your ATM card and PIN. Never give your PIN to anyone, even if they say they work for your bank. Never give out your account number over the phone unless you have initiated the call. When using an ATM block the screen and keypad with your hand or your body to be sure that no one can obtain your PIN.
2. BE careful how you choose which ATM to use, particularly at night. You are usually safer at a familiar ATM. Most robberies at ATMs occur between the hours of 7 pm and 4 am. Try to use ATMS that are in busy areas with good lighting. Also, avoid ATMs located behind bushes, buildings or those tucked away in corners where robbers may lurk.
3. Be aware of your surroundings and follow your instincts. If something doesn’t feel right, keep on walking and do your banking at another time or another ATM if possible. If you’re in the middle of a transaction and a suspicious individual appears, hit the cancel button and leave the area immediately. Stay alert.
4. Plan your transaction in advance. Have your card ready as you approach the ATM. You are more of a target if you are fumbling through your wallet or purse when standing in front of the door or ATM. IF you’re using an ATM located in a locked room, be sure to close the door firmly behind you as you enter. When you complete your banking, put away your cash, card and receipt and walk away from the ATM promptly. Do not linger there counting your money.
5. If you’re using a drive-up ATM, take a look around before parking for loiterers or suspicious behavior. Park as close to the ATM as possible. Keep your engine running, doors locked and passenger windows up.
6. Check your bank statements regularly and report anything suspicious immediately. Your bank will appreciate learning about any type of fraud or identity theft as soon as possible. Also, if you use an ATM and find that the lock on the door is broken or the lights are out, report this to your bank.

The proliferation of accessible ATMs has made banking as convenient for the blind as it is for the sighted. This convenience comes with an increased security risk. By following the tips listed above, you can minimize your chances of being a victim of robbery or identity theft. For more information on ATM security, check out the following links.

• http://banking.about.com/od/securityandsafety/bb/atmsecurity.htm
• http://www.diebold.com/playingitsafe/
• http://www.crimedoctor.com/atm.htm