• Attaching card-reading devices to ATM card slots, which scan and store magnetic strips of cards inserted into the banking machines.
• Installing hidden cameras near swipe machines to film keypads and record PINs as they’re entered.
Your Better Business Bureau offers the following ways to fight ATM skimmers:
• Protect your PIN. When entering your PIN, cover the keypad with your other hand to prevent cameras from capturing the digits. Scammers also use false keypads placed over real ones to get PIN numbers. If the keypad looks different, move on.
• Wiggle it. Skimming devices are often false panels attached to ATMs where cards are inserted. If parts of the ATM look damaged or different, give it a wiggle. Also, look for new or suspiciously placed cameras and unusual signage.
• Be selective. Avoid using ATMs in poorly-lit or low-trafficked areas. Experts recommend choosing bank ATMs over standalone ATMs in public places. Not only do identity thieves attach devices to legitimate ATMs to steal numbers, they’ll also place phony ATMs in public places.
• Review statements. Always keep a close eye on your accounts — particularly the itemized breakdown of charges and debits — so you can quickly report suspicious activity.
• Report fraud immediately. Report fraudulent activity to your bank as soon as it’s discovered. Consumer protections for debit cards vary, but depend largely on when fraudulent activity is reported. If you wait too long to report the fraud, your bank account could be cleaned out and your bank might not reimburse you.
Contact your BBB for more information on how to protect yourself from scams. Visit www.bbb.org or call (937) 222-5825 or (800) 776-5301.
John North is president and CEO of the Dayton Better Business Bureau.
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