ATMs offer convenience, but they also present opportunities for theft, fraud, and personal harm if precautions aren’t taken. Whether you’re withdrawing cash from your neighborhood bank or an out-of-town kiosk, staying alert and using smart strategies can help keep you safe. Here’s a detailed guide to secure ATM use.
Choose the Right ATM Location
Where you withdraw money can make a big difference in your safety.
- Use ATMs located inside banks or well-lit, busy areas.
- Avoid secluded or poorly lit machines, especially at night.
- Prefer machines with security cameras or that are close to foot traffic.
Be Aware of Your Surroundings
Before you even approach the ATM, take a moment to scan the area.
- Look around for anyone loitering or acting suspiciously.
- If someone is standing too close, walk away and find another ATM.
- Don’t use your phone or get distracted—stay alert.
Check the ATM for Tampering
Criminals can install devices to steal your card info.
- Inspect the card reader—if it looks loose, misaligned, or unusual, don’t use it.
- Check for hidden cameras or overlays on the keypad.
- Avoid using machines with attached skimming devices (small readers placed over the real ones).
Protect Your PIN
Shield your actions to keep your PIN confidential.
- Use your hand or body to cover the keypad while entering your PIN.
- Avoid talking or looking away while typing.
- Never share your PIN—even with people claiming to be bank staff.
Limit the Cash You Withdraw
Only take out what you need.
- Carrying large amounts of cash increases your risk.
- If you must withdraw a large sum, go during bank hours and consider having someone you trust accompany you.
- Store money discreetly—never count cash in public view.
Don’t Accept Help From Strangers
If your card is stuck or the ATM malfunctions:
- Do not accept offers of help from strangers.
- Call your bank immediately using a verified phone number.
- Don’t walk away leaving your card in the machine.
Take Your Card and Receipt Immediately
Don’t forget your belongings at the machine.
- Grab your card, cash, and receipt right away.
- If the ATM does not return your card, contact your bank immediately.
- Avoid throwing away receipts near the ATM—they may contain sensitive information.
Use Drive-Thru ATMs Safely
Even if you’re inside your car, stay cautious.
- Lock your doors and keep windows up until it’s time to use the machine.
- Be aware of your blind spots and surroundings.
- Don’t linger after your transaction is complete.
Be Prepared Before You Approach
Avoid fumbling with cards or searching for your wallet at the machine.
- Have your card ready before getting to the ATM.
- Know the amount you want to withdraw to speed up the process.
- If you feel unsure or unsafe, trust your gut and walk away.
Monitor Your Bank Statements
Even if everything seems normal, it’s important to stay vigilant.
- Check your transaction history regularly.
- Immediately report unauthorized withdrawals or suspicious activity.
- Set up alerts to be notified of all account transactions.
Smart ATM Habits Make a Big Difference
ATMs are a modern convenience, but they come with potential risks. By staying alert, choosing the right machines, and following secure behaviors, you can reduce your exposure to theft and fraud. A few simple habits can help protect both your money and your personal safety.
